Support Center & Frequently Asked Questions

Frequently Asked Questions
All Your Answers in One Place

Discover how our brokers support you, negotiate rates with 50+ institutions, and safeguard your personal information.

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Module 1

Eligibility & Brokerage Model

Find out who can apply and how our brokers assist you across Canada.

Our services are available to any adult Canadian resident (18+ in most provinces) with legal status (Canadian citizen, permanent resident, valid work permit). We assist permanent employees, self-employed individuals, incorporated professionals, retirees, and SME entrepreneurs.

We cover all credit needs: Auto loans (new, used, refinancing), High-interest debt consolidation, Commercial & SME financing (working capital, machinery), Mortgages (residential purchase, renewal, refinancing), and Unsecured personal loans.

Yes, absolutely. Unlike major banks that often demand 2 years of strict T1/TP1 notices of assessment, our network includes alternative and B-lenders specializing in bank-statement programs (cash-flow lending).

Your bank can only offer you a single product at retail rates. As independent brokers, we simultaneously consult 50+ institutions (major banks, credit unions, monoline lenders, private funds) to negotiate competitive wholesale rates, and our services are transparent with zero hidden fees for you.

We serve borrowers across Quebec, Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador.

Yes. While a high score unlocks premier A-lender rates, our network includes rebuilding lenders (B-tier and private) who evaluate net worth, current income, and overall stability rather than credit score alone.

Module 2

Required Application Documents

Review turnaround, required documents, and secure electronic signature.

To expedite processing: 1) Valid government-issued photo ID (driver's licence, Canadian passport), 2) Recent proof of address (utility bill or bank statement), 3) Void cheque or direct deposit slip from your Canadian bank. For employees, the latest pay stub may be requested.

Upon receiving your online application, our brokers conduct an analysis and deliver a preliminary decision within 24 to 48 business hours.

Signing takes place 100% electronically and securely from your smartphone or computer. You receive an encrypted link with two-factor authentication to review and sign your offer with peace of mind.

Upon contract signature and document verification, funds are transferred via direct deposit into your Canadian bank account (Transit, Institution, Account) typically within 24 to 48 hours.

Module 3

Rates & Repayment Terms

Rate conditions, brokerage transparency, and early repayments.

Our research, analysis, and advisory services come with zero hidden fees for the borrower. Our brokerage fees are paid directly by the selected financial institution in accordance with Canadian regulatory standards.

We offer fixed-rate options (guaranteeing stable payments throughout the term) and variable-rate options suited to specific real estate or commercial ventures. Your broker will explain the merits of each loan structure.

Yes. Most of our personal, auto, and consolidation loans are repayable early with zero penalty. For mortgage loans, annual prepayment privileges of 15% to 20% of original principal are included.

The first automated withdrawal occurs approximately 30 days after funds are released, or according to your chosen schedule (monthly, semi-monthly, or bi-weekly). You may also request a payment deferral option.

Module 4

Security & Information Protection

Compliance with Canadian PIPEDA legislation and end-to-end data encryption.

We utilize 256-bit bank-grade SSL encryption protocols. All your information is processed in strict compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA / LPRPDE).

Absolutely not. Your information is exclusively used to evaluate your application and submit your file to matching partner financial institutions. Your data is never sold to third-party advertisers.

Our initial online simulation and pre-qualification has zero negative impact on your credit bureau. A formal credit inquiry is conducted only with your explicit consent upon final submission to the chosen lender.

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