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The 35 percent federal cap applies to commercial loans of $10,000 or less. Between $10,000 and $500,000 an exemption applies where the rate does not exceed 48 percent APR, and above $500,000 there is no rate cap. That is why business financing prices above consumer lending, in every province.
Alberta businesses register through an authorised service provider rather than directly with the province, which surprises first-time registrants.
Typically $10,000 or more in average monthly sales and at least one year in business, though several lenders on this page fund earlier-stage businesses at lower amounts. Alberta's resource cycle produces uneven revenue, so lenders serving the province tend to weigh recent bank statements more heavily than a flat annual figure.
Federally, not provincially. Commercial loans of $10,000 or less fall under the 35% APR criminal rate; between $10,000 and $500,000 the exemption allows up to 48% APR; above $500,000 there is no cap. Alberta adds no separate provincial ceiling on commercial lending.
