A team of 50 Canadians helping Canadians since 2015
Captain Cash was founded with a single purpose: to give Canadians a fair, fast alternative when traditional banks say no. We have been doing it for over a decade — and we are just getting started.
Built for Canadians the banks turned away
Captain Cash was incorporated in British Columbia in January 2015. The idea was straightforward — millions of Canadians have steady jobs and pay their bills on time, but a thin or imperfect credit file is enough for a traditional bank to turn them down. We believed that was wrong.
We built a lending model based on income and banking activity, not credit scores. From day one, that meant reviewing pay history, account stability, and debt load — factors that actually reflect whether someone can repay a loan, rather than a three-digit number from a reporting agency.
Over the following decade, we relocated our headquarters to Halifax, Nova Scotia, grew our team to 50 people, and expanded our lending licence to nine provinces and territories. We joined the Canadian Lenders Association — a commitment to industry standards, responsible lending, and consumer protection that we take seriously.
Today Captain Cash is a division of Opal Financial. The ownership has evolved, but the mission has not: provide fair, fast, transparent lending to Canadians who need a short-term bridge — and treat every customer with the respect they deserve.
Key milestones
Four principles we never compromise on
These are not marketing statements. They are commitments that shape every decision we make — from product design to how we handle a missed payment.
Transparency
Every fee, every rate, every repayment amount — shown before you sign. No hidden costs.
Speed
Complete your application in minutes. Get a fast response. Funds may be deposited the same day if approved before 2:30 PM ET. Because your time matters, faster funding options may be available.
Fairness
We assess income and banking history — not a credit score. A difficult financial past should not permanently close the door on someone who is in a stable situation today.
Responsibility
We actively discourage borrowing as a long-term habit. We refer customers to credit counselling when it is the right choice. Our goal is to help — not to trap anyone in a cycle of debt.
A decade of responsible lending
The numbers behind ten years of serving Canadians — honestly and transparently.
We are lenders — not debt traps
Short-term loans carry higher interest rates than traditional bank products. We acknowledge that directly. A $500 loan repays approximately $750 — an APR of 23%. That cost is real, and it is justified only when the need is genuine and the repayment is manageable.
We do not want customers to borrow repeatedly for everyday expenses. We do not design our products to encourage dependency. If a customer contacts us because they are struggling, our team's first priority is to find the most workable solution — which sometimes means suggesting free credit counselling rather than another loan.
We believe a lender's reputation is built over years, not marketing campaigns. Our reputation is built on 50,000+ customers who were treated fairly, received their money on time, and knew exactly what they were signing.
Our lending standards
Licensed across Canada
Captain Cash is provincially licensed and regulated in every province and territory where we lend.
Halifax, NS B3J 2T9
1-888-226-1026
[email protected]
Mon–Fri · 8:00 AM–5:00 PM ET
