Business financing built for Canada.
A US lender's form asks for your EIN and your state. Ours asks for your CRA business number and your province — and already knows what your province calls the document it wants.
The paperwork is provincial. Most software isn't.
There is no such thing as “your incorporation certificate” in Canada. There is an Ontario one, a BC one, a Nova Scotia one, and they are issued by different registries under different names. The single most common reason a file comes back for more is somebody sending the wrong one, and that is a knowledge problem rather than a document problem.
Alberta is the one that catches people out: filings go through private registry agents rather than the province directly, so the papers come back carrying an agent's stamp. That is normal, and we read it as normal.
What each registry calls it
- Ontario
- articles of incorporation issued under the Ontario Business Corporations Act
- British Columbia
- your certificate and articles of incorporation
- Alberta
- your certificate of incorporation and articles
- Manitoba
- your certificate and articles of incorporation
What we ask a Canadian business for
Not an EIN. Not a state of incorporation. Not a voided US cheque. The file is the one a business here actually has.
- Your CRA business number
- The nine digits and the program account. It is federal, so it looks the same wherever you trade.
- Your provincial incorporation papers
- Whatever your registry issues, under whichever name it issues it. Send what you have and we will tell you if it is the wrong one.
- Six months of Canadian bank statements
- PDFs from your bank, every account the business uses. This is the part underwriters actually read.
- The trade registration your province issues
- A CVOR in Ontario and the equivalent National Safety Code registration elsewhere. WSIB clearance, or your province's board. A provincial childcare licence with its capacity on the face of it.
Amounts are in Canadian dollars: $5,000 – $2,000,000, depending on the product.
We know what your trade has to hold
Most of what a Canadian business is asked to produce is issued by a province, not by Ottawa — which is why a generic form never asks for it, and why a file without it comes back.
What we are not
Pages like this usually end in a row of registrations and memberships. Ours does not, because we hold none of them, and a brokerage claiming otherwise is the fastest way to lose the argument it was making.
- We are not a bank.We do not take deposits and there is nothing here to insure.
- We are not the lender of record.We arrange financing through third-party lenders. They decide, they price it, and they write the agreement you sign.
- We do not lend to consumers.Incorporated businesses only. If the business is you personally, this is not the right place.
- We do not publish what we have funded.No client counts, no averages, no case studies. When there are customers willing to be named, you will meet them here.
Canadian owned and operated.
The file is read here, by a person, from your statements. Most decisions come back within one business day of us having everything.
Questions
We fund incorporated businesses in Canada and the United States. This page is about the Canadian half, because it is the half most software gets wrong.
Still deciding? Talk to a specialist — no application required.
See what you qualify for.
About ten minutes, most of it finding your statements. Applying never touches your credit score.