Smarter Loans Staff

The Smarter Loans Staff is made up of writers, researchers, journalists, business leaders and industry experts who carefully research, analyze and produce Canada's highest quality content when it comes to money matters, on behalf of Smarter Loans. While we cannot possibly name every person involved in the process, we collectively credit them as Smarter Loans Writing Staff. Our work has been featured in the Toronto Star, National Post and many other publications. Today, Smarter Loans is recognized in Canada as the go-to destination for financial education, and was named the "GPS of Fintech Lending" by the Toronto Star in 2019.

Articles by Smarter Loans Staff

Government Business Loans - Smarter Loans

How to Get a Business Loan from the Government

Government business loans help boost local economies in Canada. One of many programs available is the Canada Small Business Financing Program (CSBFP).

home equity line of credit_opt

What is a Home Equity Line of Credit?

Home ownership comes with a list of benefits which includes access to a home equity line of credit (also known as a HELOC).

Private Loans Canada - Smarter Loans

The World of Private Loans

Private loans come in all shapes and sizes and can be used for many purposes. They are termed private because the proceeds do not come from a government entity (common with student loans), or banks and credit unions (as do many business loans).

unsecured business loans - Smarter Loans

What is an Unsecured Business Loan?

Few banks offer unsecured business loans, especially to start-up companies or those with bad credit. However, there are ways to get unsecured loans from other sources as well, eliminating the need to put personal or business property at risk.

Working Capital Loans Canada - Smarter Loans

Staying Afloat with Working Capital Loans

Working capital loans are used to finance the daily operation of a business. They are not designed to buy long-term assets or to make investments. As such, the proceeds from a working capital loan can be the “bread and butter” of the business that keeps it functioning while the business experiences growth.

Personal Loan Types - Smarter Loans

Types of Personal Loans

here are many types of personal loans available today which enable borrowers to choose from a wide variety of funding options. Choices include small loans from friends and family to larger loans to finance ventures such as education or starting a new business. Flexibility in lending, in addition to more financial products, makes it easy to find funds with payment terms to fit any budget.

Boat Loans - Smarter Loans

How do Boat Loans Work?

Boat loans provide the funds needed to purchase a new or used boat for water activities like fishing, water skiing, sailing, and sometimes, living.

Home Renovation Loans - Smarter Loans

Loans for Home Renovations

Home renovation loans are ideal for the homeowner who has lived in a neighborhood they love in their perfect home for several years, but wants to improve or expand the house even more.

What is a Title Loan - Smarter Loans

What is a Title Loan?

Title loans let individuals get cash in exchange for the lender holding title to the vehicle until it is repaid. And the cost for these loans is many times over the cost of the average installment loan.

Vehicle Loans - Smarter Loans

Vehicle Loan Guide

Vehicle loans are a type of secured credit, meaning the vehicle is collateral to secure payment. Nevertheless, vehicle loans are extremely common in Canada.