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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.
British Columbia businesses register through BC Registries. Small Business BC provides advisory services at low cost - genuinely useful and rarely known.
Generally $10,000 or more in average monthly sales and a year or more in business. BC's economy skews to small operators in services, hospitality, and trades, and the lenders on this page fund from small daily-remittance advances up to seven-figure term facilities.
BC's high-cost credit regime governs consumer credit. Commercial lending is regulated federally, where loans of $10,000 or less sit under the 35% APR cap, $10,000 to $500,000 may go to 48% APR, and larger loans are uncapped. If you are borrowing personally to fund the business, the consumer rules apply instead.
