We've missed sleep over payroll. We've sat across from a bank officer who's never signed the front of a paycheck and been told to come back in six weeks.
So we built something different: a financing partner that moves at the speed your business actually runs at, treats you like a person instead of a file number, and tells you the truth about what you need — even when that's not the most profitable answer for us.
Above is an example of a working capital advance product and how we track payments and how you can manage your loan balance in our platform
Owner of BKookies Cafe
Aretek
Shift Collab
When payroll's due Friday, you don't have time for a loan committee. Most applications are reviewed and funded in one to two business days.
Banks ask for six to eight weeks and a binder of documents. We ask only for what we actually need, review it fast, and we give you a straight answer, right away
Our recommendation engine or a Huumans Capital Specialist recommends exactly what you need, even if it means turning away business. We do the right thing
Bill Murphy, CEO of Huumans
We have a marketplace of over 150+ service providers and advisors to help you fund, run and grow your small business
We launched our national campaign called "My Canada My Story" where we celebrated the humans behind small business. One day, we aim to celebrate yours by enabling you to build financial freedom.
Five business owners, in their own words.
If you get a loan through us, you also get immediate access to 150+ marketplace advisors and service providers that can help you run, fund, and grow your business
Most approved applicants receive funding within 24–48 hours of completing their application.
Our recommendation engine evaluates your business's financial profile and matches you against a range of financing options, including Huumans' own products and vetted third-party lenders. We surface the offer(s) most likely to fit your needs and terms.
Our Working Capital Advance product is a lump sum advance funded in 24–48 hours. You choose your repayment term — 3, 6, 9, or 12 months — and payments are automatically debited on that schedule. Shorter terms carry a lower total cost than longer ones.
Similar to the Working Capital Advance, but flexible: you're approved for a credit limit (say, $20K), and you draw only what you need (say, $5K). Each draw then repays on its own fixed schedule, you're not paying on the full limit, only on what you've actually drawn.
It means you choose a set repayment schedule up front, 3, 6, 9, or 12 months, and know your exact payment amount and end date from day one, with no surprises.
Payments are automatic. Once you're funded, Huumans debits your linked bank account on your chosen schedule and you don't need to submit payments manually. You can also make an early payment anytime from your dashboard.
Our lending options are built for businesses that don't qualify for or don't have time to wait on traditional bank financing. We look at real business performance instead: bank transaction history and cash flow, verified revenue, time in business, and your industry. That lets us approve businesses that a traditional credit-score model would overlook.
Because we take on more risk and skip the paperwork and wait times banks require, our pricing is higher than a bank loan. If your business can qualify for bank financing, that will typically be the cheaper option; Huumans exists for the businesses that can't or don't want to wait.
Yes, profitability isn't a requirement. We look at cash flow, revenue history, and time in business rather than net income. But be honest with yourself before you take this on: If your business is already struggling, adding high cost debt on top of that can make the underlying problem worse, not better. It buys you time, but it doesn't fix whatever is causing the cash flow gap.
Before you apply, ask yourself: is this financing a bridge to a specific, plannable outcome (a contract that's about to pay out, a seasonal gap you know will close), or is it a way to avoid dealing with a structural problem in the business?
Yes. Reach our team at hello@huumans.com, or call us toll-free at [XXX-XXX-XXXX] for questions about your application, existing financing, or general product questions.
Log in to the Huumans app anytime to see your current balance, next payment date, and full payment history in real time.
