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Top Online Loan Providers in Canada (Updated 2025 List)

Finding the right online loan provider can feel overwhelming, especially with so many options available in 2025. Online lenders offer speed, convenience, and often fewer eligibility hurdles than traditional banks, making them an attractive option for many Canadians.    But not all providers are created equal; interest rates, loan limits, and customer service can vary […]

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Amy Orr

Personal Finance

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August 31, 2025

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Top Online Loan Providers in Canada (Updated 2025 List)

Finding the right online loan provider can feel overwhelming, especially with so many options available in 2025. Online lenders offer speed, convenience, and often fewer eligibility hurdles than traditional banks, making them an attractive option for many Canadians.    But not all providers are created equal; interest rates, loan limits, and customer service can vary […]

Amy Orr

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Personal Loans vs Credit Cards: What’s Better in a Financial Pinch?

When unexpected expenses hit, knowing how to access funds responsibly is crucial for Canadians. Personal loans and credit cards are two common options, but each works differently and carries its own advantages and risks. Choosing the right one can help you cover urgent costs without creating long-term financial stress. Personal loans provide a lump sum […]

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Payday Loan Alternatives You Should Know About in 2025

Payday loans might feel like a quick fix when cash is tight, but for many Canadian entrepreneurs, they can create more financial stress than relief. High fees and short repayment windows often make them risky for small business owners trying to stay ahead. The good news is that in 2025, you have better, safer alternatives […]

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Your 2025 Guide to Loans in Canada: What Are Your Options?

Understanding your loan options can feel overwhelming, especially as a small business owner in Canada. With so many options, personal loans, business loans, lines of credit, government programs, and online lenders, it’s important to understand what’s available and how each one works. Choosing the right type of financing can help your business grow, manage cash […]

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When Should You Use a Personal Loan in Canada?

Running a small business in Canada means your personal and business finances sometimes overlap. Maybe you need quick cash for an unexpected expense, to consolidate debt, or to cover a big purchase. That’s where personal loans can come in; they’re flexible, easier to access than some business loans, and can help bridge financial gaps. But […]

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How to Qualify for a Business Loan in Canada (Step-by-Step)

Getting approved for a Canadian business loan can feel overwhelming at first, but with the right preparation, it becomes much more manageable. Lenders want to see that your business is reliable, financially stable, and capable of repayment. The encouraging news is that qualifying doesn’t require perfect credit; it’s more about presenting your financial story in […]

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Top Business Loans for Canadian Entrepreneurs in 2025

If you’re a Canadian entrepreneur, finding the right financing can be a game-changer for your business. The right business loan gives you the flexibility to grow without unnecessary stress, and with so many options out there, it’s easy to feel overwhelmed. In this article, we’ll walk you through the top business loans available to Canadian […]

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How Payday Loans Work in Canada: Pros, Cons & Safer Alternatives

Running a small business in Canada isn’t easy; you’re juggling cash flow, expenses, and sometimes unexpected bills. When money gets tight, payday loans can look like a quick fix. They’re easy to get, but they come with high costs that can put even more strain on your business. So let’s take a look at how […]

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Everything You Need To Know About Funding for Businesses in Canada

A Clear Guide to Business Financing Options Across Canada Starting or growing a business in Canada takes more than a great idea; you’ll need a fair bit of money, too. Canada provides a wide range of financing opportunities for entrepreneurs at every stage. But with so many programs and lenders to sort through, it can […]

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Guaranteed Payday Loans No Matter What in Canada

Fast Cash When Banks Say “No” — What Canadians Need to Know About “Guaranteed” Payday Loans If you’ve been turned down by banks or traditional lenders, the idea of a “guaranteed payday loan no matter what” can sound like a lifeline, especially when you’re facing an emergency and need cash fast. These types of loans […]

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Secured Loan: What It Is, How It Works, & How To Get One

Everything You Need to Know About Using Collateral to Secure a Loan and Improve Your Chances of Approval When you need a loan, your credit score can be a major roadblock. That’s where secured loans come in handy. Secured loans vary from unsecured loans, which rely heavily on your credit history. A secured personal loan […]

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Best Bad Credit Loans Instant Approval Canada

Quick & Reliable Options for Canadians Needing Fast Cash, Even with Poor Credit Let’s face it, life can throw curveballs when we least expect them. Whether it’s an unexpected car repair, a medical bill, or just making ends meet, financial stress hits hard, especially if your credit score isn’t perfect. If you’re dealing with bad […]

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What Is A Draft In A Bank

Understanding Bank Drafts: A Secure Way to Transfer Funds A draft in a bank is a type of payment instrument, kind of like a check, but a bit more secure. It’s also called a bank draft or demand draft. Basically, it’s a written order from one bank telling another bank to pay a specific amount […]

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How Much Line of Credit Can I Get?

A Simple Guide to How It Works, When to Use It, and What to Watch Out For Wondering how much line of credit you can get? Well, you’re definitely not the only one. But how much you qualify for isn’t the same for everyone; it depends on a mix of things like your income, credit […]

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Everything You Need To Know About A Line Of Credit

How It Works, When to Use It, and What to Watch Out For When it comes to borrowing money, a line of credit can be one of the most flexible options out there, but it’s also one of the most misunderstood. But what exactly is it? How is it different from a loan or a […]

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Loans For International Students Canada

Exploring Your Financing Options as an International Student in Canada Studying in Canada as an international student is an exciting opportunity, but let’s face it, it can also be expensive. Between tuition fees, housing, textbooks, and day-to-day living costs, it’s no surprise that many students find themselves looking for financial help. That’s where student loans […]

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Fast Loan Options In Canada

Exploring Fast Loan Options Across Canada Sometimes life throws you a curveball, such as a surprise bill, urgent car repair, or unexpected business expense, and you need cash fast. That’s where instant loan options come in handy. Fast loans are very accessible in Canada, but not all fast loans are created equal. Some come with […]

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The Average Credit Score By Age

How Your Credit Score Changes Over Time: A Look at Averages by Age Group Credit scores tend to change as people move through different life stages, and your age can play a big role in how your score evolves. On average, younger adults tend to have lower scores simply because they haven’t had as much […]

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Is 700 A Good Credit Score?

Understanding What a 700 Credit Score Means for Your Financial Health and Borrowing Power “Is 700 a good credit score?” Well, your credit score plays a big role in everything from getting approved for a personal loan to locking in a lower interest rate. So, where does a 700 score land you? The short answer: […]

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What Is A Good Credit Score? (Equifax)

Understanding What the Numbers Really Mean, and How They Impact Your Financial Opportunities Ever wonder what counts as a “good” credit score, especially when it comes to Equifax credit scores? Well, Equifax, one of the major credit bureaus, uses a scoring system that typically ranges from 300 to 850. But where you land on that […]

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Equifax Credit Scores & What They Mean

Understanding Your Equifax Credit Score and How It Affects Your Financial Health If you’ve ever applied for a personal loan, credit card, or even tried renting an apartment, you’ve probably heard about credit scores, and one name that often comes up is Equifax. But what exactly is an Equifax credit score, and why does it […]

Amy Orr

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The Best Banks For Mortgages In Canada

A Look at Canada’s Top Banks Offering Competitive Mortgage Rates and Reliable Home Financing Finding the right mortgage lender is one of the biggest steps in the home-buying journey, and in Canada, you’ve got plenty of solid options. The country’s top banks offer a mix of competitive rates, flexible terms, and helpful tools that can […]

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Typical Vehicle Loan Interest Rates In Canada

What Canadian Car Buyers Can Expect to Pay in Interest And How to Get the Best Rate Thinking about buying a car and wondering what kind of interest rate you might get on a loan in Canada? You’re definitely not alone. It’s important to understand that your car loan interest rates can help you make […]

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What Is An IBV loan In Canada?

How Inventory-Based Financing Helps Canadian Businesses Access Capital Without Sacrificing Equity If you’ve been exploring business financing options lately, you’ve likely come across the term “IBV loan” and wondered, “What exactly is that?” Don’t worry, you’re not alone. IBV stands for Inventory-Based Financing, and it’s a type of loan that’s designed for small businesses and […]

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How To Apply For A Loan Online

How To Get The Funds You Need Without Leaving Home Applying for a loan online has never been easier, but it can still feel a bit overwhelming if you’re not sure where to start. We live in a technology-driven world where applying for loans online may be easier than in person. The best part of […]

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What Is Your Bank Code?

Understanding the Numbers That Identify Your Financial Institution Have you ever been asked for your bank code and found yourself unsure what that actually means? Don’t worry, you’re not alone. Bank codes can seem like just another string of confusing numbers, but they play an important role in terms of how money moves between accounts […]

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How To Update Your SIN Online

A Step-by-Step Guide to Updating Your Social Insurance Number Without Leaving Home If you’ve recently changed your name, your citizenship status, or noticed an error on your Social Insurance Number (SIN) record, you might be wondering how to get it all sorted, without having to stand in a long lineup at Service Canada. The good […]

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What Is The Meaning Of A Digital Bank?

Exploring How Technology Is Redefining the Way We Bank Every Day Have you ever wondered what makes a bank “digital”? It’s a term that gets thrown around a lot, but what does it actually mean for you as a customer? In a world where we can order dinner, hail a ride, and stream movies with […]

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Three Of The Best Online Banks In Canada

The Top Digital Banks That Offer No-Fee Accounts, Easy Mobile Access, And Serious Savings Banking in Canada has come a long way, and online banks are leading the charge. With no physical branches to maintain, digital-first institutions pass the savings on to you, meaning lower fees, better interest rates, and a smoother banking experience overall. […]

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Best Chequing Accounts In Canada

Compare the top chequing accounts in Canada to find the perfect fit for your everyday banking needs If you want to manage your chequing account much more effectively, having the right chequing account can make all the difference. But with so many banks and credit unions offering similar services, it can be hard to know […]

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Best Credit Builder Loans In Canada

Rebuild and Strengthen Your Credit with These Top Canadian Credit Builder Loan Options If your credit score needs a boost, credit builder loans can be a great way to turn things around, and luckily, Canada has some solid options to choose from. These loans are designed specifically to help you build or rebuild credit, even […]

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The Best Loan Companies In Canada

Discover the Top-Rated Lender Canadians Trust for Fast, Flexible, and Reliable Loans It is imperative to choose the right loan company when looking to borrow money. The right company can make all the difference, no matter what you need the funds for. With that being said, lenders like Fairstone, and Spring Financial are leading the […]

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Four Of The Easiest Banks To Get A Loan in Canada

Looking for a hassle-free loan? These Canadian banks offer some of the easiest approval processes—no stress, no hoops to jump through. If you’ve ever applied for a loan, you know the process can feel overwhelming. Between credit checks, paperwork, and waiting for an answer, it’s easy to feel stuck, especially if your credit isn’t perfect. […]

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Three Of The Best Online Loan Options In Canada

Compare top-rated online lenders in Canada to find the best loan for your needs. Looking for a quick, reliable way to borrow money online in Canada? You’re in the right place. Online loans are a flexible and fast solution, no matter what you need the funds for. But with so many lenders out there, how […]

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What is Dominion Lending Centres? A Deep Dive into Canada’s Mortgage Giant

Looking for a mortgage in Canada can feel like navigating a snowy back road with no GPS and a car that only kind of starts. The choices between big banks, credit unions, and private lenders are endless but unclear. That’s where mortgage brokers come in, helping you cut through the noise and find a path […]

Amy Orr

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Money Lenders in Canada: Choosing the Best One for Your Needs

You’re finally ready to start a home renovation, consolidate your debts, or launch the side hustle of your dreams. Still, your bank account says otherwise. Whether a planned expense or a financial curveball, we’ve all been there, and that’s where money lenders in Canada can step in.  This twist is that not all money lenders […]

Amy Orr

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List of Canadian Banks: A Handy Guide for Borrowers and Savers

Whether opening your first checking account, shopping for a mortgage, or looking to grow your savings, choosing the right financial institution in Canada is an essential step toward reaching your money goals. But with dozens of options, ranging from the Big Six banks to local credit unions and digital disruptors, where do you start?  This […]

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AISH Payment Dates For 2025

Your Month-by-Month Guide to Alberta’s Assured Income for the Severely Handicapped (AISH) Payments If you or someone you know relies on Alberta’s Assured Income for the Severely Handicapped (AISH) program, staying on top of payment dates is a great way to budget your monthly expenses. AISH provides financial and health-related assistance to eligible Albertans with […]

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Is British Columbia’s Minimum Wage Changing In 2025? Here’s What You Need To Know

Is A Minimum Wage Hike Expected In 2025? British Columbia’s minimum wage has been increasing steadily over the past few years, and many workers and business owners are wondering if another change is coming in 2025. With the cost of living continuing to rise, minimum wage adjustments are important in terms of fair pay for […]

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The Current Minimum Wage In Manitoba (2025)

Everything You Need To Know About Manitoba’s Minimum Wage We are currently in a time of high inflation, which has proven that minimum wage is certainly not liveable. The good news? Manitoba is looking to increase the minimum wage to help combat the consequences of inflation much like other provinces. As of March 2025,  Manitoba’s […]

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Alberta’s Minimum Wage In 2025

So far in 2025, Alberta’s minimum wage remains at $15.00 per hour, a rate in place since 2018. For students under 18, a lower wage of $13.00 per hour applies for the first 28 hours per week during the school term, with regular rates applying beyond that limit. While some provinces adjust their minimum wage […]

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ODSP Payment Dates For 2025

It’s important to keep track of payment dates throughout the year, especially if you’re on ODSP, which stands for the Ontario Disability Support Program. Essentially, ODSP is financial assistance for those who cannot work because of their disability. This way, you can stay on top of your expenses without falling behind.  In 2025, ODSP payments […]

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What Is Take-Home Pay? Understanding Your Real Income Before Taking Out a Loan

When you’re thinking about taking out a loan, it’s easy to focus on the big numbers, like how much you’re approved for, what the monthly payments will be, and how long it’ll take to pay it back. But before you commit to anything, there’s one number you need to get really clear on: your take-home pay. […]

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What Is a Credit Memo from CIBC? Understanding Unexpected Account Credits

If you’ve ever checked your CIBC bank account or credit card statement and noticed a transaction labeled “Credit Memo,” you might have wondered what it means. Understanding financial terms can be difficult, so let’s dig into the details. What is a credit memo from CIBC? The short answer is that a credit memo is a refund, adjustment, or correction […]

Amy Orr

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What Is Canada RIT? Understanding Your Refund and How It Affects Your Finances

If you’ve ever checked your bank account and noticed a deposit labeled Canada RIT, you might have wondered what it is. The short answer? Canada RIT (Refund Income Tax) is a direct deposit from the Canada Revenue Agency (CRA), and it means you’re getting a tax refund.  However, there’s more to it than just free money showing […]

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What Is a SIN Number in Canada? Why It Matters for Your Finances and Loans

If you live or work in Canada, your Social Insurance Number (SIN) is one of the most important pieces of identification you have. It’s more than just a random set of digits; it’s the key to accessing government benefits, paying taxes, and even applying for loans. But what exactly is a SIN, and why does it matter […]

Amy Orr

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How to Cancel a CIBC Credit Card: A Step-by-Step Guide

Whether you’re switching to a better rewards program, reducing your credit cards, or just closing an account you no longer need, canceling a CIBC credit card is a straightforward process. However, there are a few things you should know before you do it.  Canceling a credit card the right way can help protect your credit score and […]

Amy Orr

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Understanding Carbon Tax Rebate Dates for 2025: A Comprehensive Guide

Introduction to Carbon Tax Rebate As climate change continues to be one of the most pressing issues confronting our planet, various countries have implemented strategies to mitigate its effects. In Canada, the government has adopted the carbon tax system as a primary measure to reduce greenhouse gas emissions. Central to this system is the climate […]

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How to Secure a $3,000 Loan in Canada: Your Complete Guide

Navigating the Path to a $3,000 Loan in Canada Whether you need a quick financial boost for an emergency, home repairs, or unexpected expenses, securing a $3,000 loan in Canada can be a straightforward process when you know where to look. Understanding your options, from traditional banks to alternative lenders, can make the process smoother […]

Amy Orr

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Why Is My E-Transfer Taking So Long? Understanding Delays and How to Fix Them

The Frustration of Delayed E-Transfers In today’s digital age, e-transfers have become a go-to method for quick and seamless money transactions. However, there are instances when your transfer seems to take an eternity. If you’ve ever asked yourself, “Why is my e-transfer taking so long?” you are not alone. While e-transfers are typically processed within […]

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The Impact of Afterpay: Understanding Its Effect on Your Credit Score

In recent years, buy now, pay later services like Afterpay have gained immense popularity. These services allow consumers to split their purchases into manageable installment payments. However, potential users often find themselves asking an important question: Does Afterpay affect credit score? This blog post aims to shed light on this query, alongside important considerations that […]

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Ontario Works Payment Dates For 2025

A Guide To Ontario Works And Payment Dates For The Year 2025 If you are one of the thousands of Ontarians relying on Ontario Works to support yourself, staying updated on payment dates is crucial for planning your monthly expenses. Ontario Works provides essential assistance for individuals and families who are struggling with financial challenges, […]

Amy Orr

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The Average Credit Score Across Canada

How Credit Scores Vary Across Provinces and What They Mean Credit scores are an essential part of personal finance, and can influence everything from loan approvals to your interest rates. In Canada, your credit score is 3 digits, which helps lenders see your financial health and responsibility. But what does the average credit score look […]

Amy Orr

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How Many Dimes Are In A Roll?

A Brief Guide To How Many Dimes You Can Get Into A Single Roll If you’ve ever wondered about the specifics of rolling dimes, you’re not alone. Dimes are the smallest of all the Canadian coins and they’re worth $0.10. Counting them is very simple, especially when they are rolled. For dimes, each roll contains […]

Amy Orr

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Canada PRO Deposit Dates For 2025

Your Complete Guide to Canada PRO Deposit Dates for 2025 If you’re here, you may be wondering what Canada PRO payments are. Well, they are payments issued for programs such as the Ontario Trillium Benefit (OTB) and the Alberta Child and Family Benefit (ACFB). These deposits are there to provide essential financial support to help […]

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How To Receive Student Loan Forgiveness In Canada

Everything You Need To Know About Student Loan Forgiveness In Canada Student loan forgiveness is a fantastic tool that is meant to relieve the struggles of students and provide a chance to reset their financial future. A lot of Canada’s loan forgiveness programs are targeted at specific professions, such as healthcare workers, teachers, and those […]

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The Key Differences Between Bank Drafts Vs Certified Cheques

Understanding the Key Differences Between Bank Drafts and Certified Cheques Believe it or not, there is a difference between bank drafts and certified cheques. They’re both popular options, often used for large transactions or when a guarantee of funds is required. While they serve similar purposes, the two have some key differences. If you need […]

Amy Orr

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How Many Nickels Are In A Roll?

A Brief Guide To How Many Nickels You Can Get Into A Single Roll Have you ever wondered how many nickels are in a roll? It might seem like such a small detail, but it’s surprisingly handy to know; especially if you’re organizing loose change, prepping for a trip to the bank, or managing your […]

Amy Orr

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A Credit Score Break Down: What Your Credit Score Really Means

A Break Down Of Your Credit Score And What It Means In Canada Your credit score range in Canada is critical to your financial life, yet many people don’t fully understand what it represents. Essentially, a credit score is a three-digit number, typically ranging from 300 to 900, that reflects your creditworthiness. Lenders, landlords, and […]

Amy Orr

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How Many Quarters Are In A Roll?

A Simple Guide To Rolling Your Quarters If you’ve ever wondered how many quarters are in a roll, you’re not alone. When counting quarters, sorting them into rolls is essential for quicker counting and easy storage.  In Canada, a roll of quarters contains 40 coins, usually totaling $10 in value.  Rolls are a convenient way […]

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How Many Working Days Are There In Canada Per Year?

  A Guide To Canada’s Working Days, Per Province Canada is a country with a diverse range of holidays and the amount of working days in a year is directly reflected by the province you live in. There are a total of 365 days each year but most Canadians only work around 250 of them on […]

Amy Orr

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How to Get an Installment Loan with Bad Credit

Discover the accessibility of installment loans for individuals with bad credit. AimFinance provides quick access to funds, often within one business day. As an alternative for those ineligible for personal loans, installment loans offer manageable payments and swift approvals.

Amy Orr

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Considering Breaking Your Mortgage? Keep These Things in Mind

Breaking a mortgage involves altering the terms of your mortgage contract or not fulfilling the entire term. Common reasons for doing so include falling interest rates, changing financial circumstances, or the need to sell your home. Mortgages can be open or closed, with open mortgages allowing penalty-free contract changes but usually having higher rates. Closed mortgages involve fees for breaking the contract, and it's essential to evaluate potential savings from lower interest rates against associated costs, which differ based on whether you stick with your current lender or switch to a new one.

Amy Orr

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Fixed or Variable? What to Consider as Your Mortgage Comes Up for Renewal

When deciding between fixed or variable mortgages upon renewal, Canadians facing this decision should consider two key factors: the outlook for interest rates and their own risk tolerance. Historically, variable rates were favorable during low-rate periods, but with current economic uncertainties, locking in a fixed rate could provide stability and predictability in monthly payments. However, the path of short-term interest rates suggests that variable rates may see a decline in the coming months, making them an attractive choice for those who can tolerate some uncertainty. Ultimately, the decision should be based on individual financial circumstances and the willingness to embrace potential rate fluctuations.

Amy Orr

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When are interest rates going down? And how did Canada get here?

The article explores the consequences of rising interest rates in Canada, leading to concerns among homeowners and businesses facing higher borrowing costs. Political leaders have criticized the Bank of Canada's rate hikes, attributing increased inflation to these actions. Bank of Canada Governor Tiff Macklem expressed concerns about inflation progress. Interest rates influence economic behavior and are tied to the Consumer Price Index (CPI). Economists predict rates to stay at five percent until at least Q3 2024, with further increases in 2025.

Chris Herhalt

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Armada Credit Group on equipment financing: borrow early to stay flexible

Businesses considering taking on additional debt due to increasing interest rates might be interested in equipment financing options. Instead of paying a substantial upfront sum, businesses can turn to lenders like Armada Credit Group to acquire equipment such as production lines, trucks, or heavy machinery. This approach can lead to quick productivity gains. Armada Credit Group, led by CEO Danny Lebovics, provides fixed-rate term financing for equipment, typically spanning 48 to 72 months for repayment.

Chris Herhalt

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Why private mortgages are becoming so popular in Canada

As it becomes more difficult to secure a mortgage traditionally through a bank, Canadians are turning to the private mortgage option. Increasing more people are using private mortgage brokers to finance homes for various reasons. The high interest rates are putting pressure on homeowners and some people simply aren’t able to get a mortgage at their bank. Private mortgages in dollar value are at $22.4 billion in Ontario alone.

Loraine Couturier

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How to eliminate your mortgage payments with a reverse mortgage in Canada

Amidst the rising interest rates in Canada, homeowners, especially those with large loans like mortgages, are facing financial concerns. The unexpected hikes have resulted in higher monthly payments, posing challenges to stay in their homes. However, there are solutions to ease the burden during this economic climate. For eligible homeowners, a reverse mortgage offers a viable option, allowing them to eliminate mortgage payments and securely remain in their homes.

Loraine Couturier

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What should I know before taking a personal loan?

Personal loans can be an effective financial tool to manage your expenses when you are short on cash. They are unsecured loans that can be used for a variety of purposes, such as paying off credit card debt, consolidating high-interest loans, or funding a major purchase.

Alexandre Desoutter

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Student Loan Forgiveness in Canada

This article informs Canadians about relief and forgiveness options for student loans. It discusses the challenges of paying back loans due to high interest rates and financial constraints, and highlights the Repayment Assistance Plan as a possible solution. It also mentions that loan forgiveness is available and reassures students about other options available.

Loraine Couturier

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How to Optimize Your Listing on Smarter Loans: A Guide for Lenders

If you're a lender, you know how tough it can be to stand out in a crowded market. That's why it's crucial to optimize your listing on Smarter Loans, the leading loan comparison platform. By strategically creating a robust profile and incorporating video and media, you can differentiate yourself from the competition and attract more customers. Our article offers valuable tips and strategies to help you optimize your listing and reduce costs, so you can stay ahead in the game.

Vlad Sherbatov

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What Is Line 10100 (Or 101) On Your Tax Return?

A fundamental section of your tax return to complete accurately is Line 10100 (formerly specified as 101), which deals with your employment income. Let's take a look at the details to help you navigate your way around the form.

Loraine Couturier

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Best Business Bank Accounts in Canada

When you use a business bank account, it can help the business you run build its own credit profile, which can be useful down the road. So how easy is it to open a business account? We’ll go through the process and help you understand how much the fees are for every given business bank account.

Loraine Couturier

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Top 7 Paid Surveys Sites in Canada

We’ll let you know about the top 7 paid survey sites for Canadians. These have been vetted as legitimate, well-established paid survey sites. They all have different incentives that can include cash, gift cards, a point system, sweepstakes, and free products.

Loraine Couturier

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Top 12 SUVs in Canada for 2023

As one of the most popular vehicle types out there, there are numerous options for all lifestyles. We’ve created this list so you have an idea about what SUV’s stand out in their class.

Loraine Couturier

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How to Spot and Avoid E-Transfer Scams

One of the main ways you can be scammed is through e-Transfers. Unfortunately, there are many ways that you can be scammed if you’re not cautious. We’ll let you know what to look out for and how to prevent scams from happening to you.

Loraine Couturier

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The 30 Cheapest Places to Live in Canada for 2023

If you’re currently living in one of the areas in Canada that are inflated, you may want to consider looking for a new place. There are plenty of affordable towns and cities in Canada to get in on owning a home. There are some mortgages you may not currently be able to access because you don’t qualify. If you have the freedom to move, you may want to consider it. There are a lot of Canadians that are working remotely now. If you don’t need to live in one of the expensive cities like Vancouver or Toronto, it's a great opportunity to explore this incredible country.

Loraine Couturier

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The 10 best real estate apps for Canadians looking for a house in 2023

The technology of real estate has made great progress, making it easier than ever to house hunt while navigating complex home equity loans applications. Here’s our list of the 10 best real estate apps available to Canadians.

Loraine Couturier

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The Dividend Tax Rate in Canada: What You Need to Know Now

If you live in Canada and are an investor, you can benefit from the dividend tax rate. Why is this exactly? A dividend stock in Canada will share the tax burden with the company you’re investing in. If the company performs well financially because of the money you invested, you get to keep the stock and any future dividend returns. Not only that but you pay less tax on dividend income.

Loraine Couturier

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Best Bank for Students in Canada

When you’re going through college, you want to save every penny you can. Having a bank account that doesn’t have huge costs attached to it is one of the perks of being a student. The bank knows that someday, you’ll be potentially looking for loans because you’re making good money. So low-cost bank accounts for students are to their benefit. Here are competitive offers that might make your life easier while you’re focused on your studies.

Loraine Couturier

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What is Merchant Cash Stacking & Why Should You Avoid It?

It may be tempting, but merchant cash advance stacking can put your small business at risk. In this post, we’ll explore what MCA stacking is, why MCA stacking is dangerous, albeit tempting, and alternative funding options to stacking merchant cash advances. Let’s get started.

Greenbox Capital

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How Law Firms Can Use Merchant Cash Advances to Fuel Growth

There are no restrictions on how merchant cash advance funding can be used, so law firms can use MCAs however they see fit. In this post, we’ll explore 7 ways law firms can use merchant cash advance funding to fuel their growth.

Greenbox Capital

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Prime Rates Canada and Their History

It’s expected that the Bank of Canada’s target overnight rate will reach at least 2.00% by the end of 2022. As a result, Canadian bank prime rates will likely be at least 4.20% by the end of the year. Looking back at the decades before now, there have certainly been some higher interest rates based on economic problems. History shows us that things are ever changing and what we’re experiencing now with Prime rates isn’t permanent. Learn more!

Loraine Couturier

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Comparing Short-term Business Loans vs. Long-term Loans

Today, we’ll talk about short-term loans vs long-term loans to help you choose the best option for your small business. Let’s get started.

Greenbox Capital

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How much can I borrow with a 750 credit score?

Determine what kind of loan you can get approved for with a 750 credit score and use our loan calculator to find out a possible monthly repayment amount.

Vlad Sherbatov

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US Investment Property Financing for Canadians

Better still, so far as the US government is concerned, there are no restrictions for Canadian citizens wanting to purchase real estate in America. With that in mind, here’s what you should know about buying and financing an investment property in the US.

Leanne Armstrong

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How to build credit for your kids in Canada

During college years, this is the best time to get your kids started on the process of building credit. Once they graduate, credit generally makes getting started easier. Even if they get a good job, it’s going to be at least one year before banks and landlords take them seriously as a responsible adult. There are some things you can do to help them start the process.

Loraine Couturier

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Private Mortgage Loans: What They Are and How They Work

Getting approved for a conventional mortgage isn't always easy—especially if you have poor credit or lack confirmable income. Fortunately, private mortgage loans can fill the gap when you don’t meet the criteria of conventional lenders.

Leanne Armstrong

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Is There a Minimum Credit Score for Renting an Apartment in Canada in 2022?

Most landlords and rental companies check the credit scores of potential tenants as part of their application process. But is there a minimum credit score requirement for renting an apartment in Canada? Here’s what you need to know about credit scores and renting in 2022.

Amy Orr

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What is a Good Credit Score in Canada?

A good credit score can go a long way in Canada when it comes to getting approved for a credit card, line of credit, or loan. So if you’re planning to borrow funds or apply for any type of credit, you should know what a good credit score looks like.

Leanne Armstrong

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Can I Sell My House When I Have a Home Equity Loan?

If you have a home equity loan or line of credit like many Canadian homeowners, you may be wondering whether you can still sell your house. The short answer to that question is: yes, you can. The bigger question is: should you?

Leanne Armstrong

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How to Use a Home Equity Loan for an Investment Property

There are varying reasons that a homeowner will choose to take out a home equity loan. It may be to purchase another property or it could be used for improvements. Another loan type is a HELOC, which is a line of credit secured by your home. You can withdraw funds whenever you need them so it offers a bit more freedom than a home. We’ll give you more insight on how to use your home equity loan to buy an investment property.

Loraine Couturier

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Foreign Exchange Fees in Canada

If you are ready to learn more about these exchange fees, then read on to find out even more. You can benefit from knowing these fees, but also be able to stay away from anywhere that the fees might be higher than you’d like to play.

Amy Orr

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Factor Rate vs. Interest Rate: Understanding Small Business Loan Rates and Fees

There are two common types of rate structures used in small business lending: interest rates and factor rates. If you’re seeking funding for your business, it’s integral that you understand the cost of your loan or advance before you sign a contract—after all, you have to know what you’re agreeing to in order to make the right choice for yourself and your business.

Alfredo Rosing

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Canada Savings Bonds Explained

Savings bonds are a popular choice to go with for those who want to gift someone with a financial gain that grows with time. For decades this used to be one of the easiest ways to grow some of your cash and cash out later when it matures. However, since 2017; savings bonds have really died down. Find out even more about these Canada Savings Bonds, what they are, why they are now gone, and how you might be able to cash yours in if you’re still holding onto them.

Amy Orr

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A Mortgage Gift Letter: When Do You Need One?

One way to keep the financing low in Canada is to use a mortgage gift letter to buy a home. To make full use of the letter, you need to follow some basic rules to proceed with financing.

Amy Orr

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Onlia Saves Ontarians Time and Money With Self-service Insurance Options

One insurance provider is following the self-service trend, providing Ontario residents with an opportunity to save on home and car insurance by cutting out the broker and doing it themselves. Founded in Toronto in 2018, Onlia provides a more affordable and more flexible insurance option for Canadians who want to avoid the added hassle and expense of dealing with a broker.

Jared Lindzon

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The Best Medical Practice Funding Options for Doctors, Dentists, and Medical Professionals

Doctors and medical practices are typically considered to be ideal candidates for funding because of their high earning potential, high net worth, and stable income. There are a number of loan and funding options available to medical practices in Canada, including long- and short-term funding, as well as secure and unsecured business loans for doctors. Here are 6 of the most popular.

Alfredo Rosing

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Canada’s Most Popular Digital Bank Accounts Are Here

Most Canadians have at least 1 bank account which they use to save money or to achieve other purposes. You don’t find so many people holding cash anymore. Huge transactions are made via a debit or credit card. Although banking is essential, many Canadians don’t enjoy keeping their money in traditional banks because of the fees involved. So, to help you make better choices with banking and increase your returns, we’ll be looking at Canada’s most popular digital bank accounts for keeping your money safe and increasing your earnings. Click on any of the banks to explore their full profile and start banking.

Jake Victor

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How Canada’s Newest SMB Lender Uses Tech to Streamline Funding

One of Canada’s newest small business lenders is using the latest technologies to offer clients a more seamless financing experience, designed to meet the challenges of an uncertain economy.

Jared Lindzon

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Gary Schwartz, President of the CLA, Is On a Mission to Bring “Open Banking” to Canada

Canada’s lending ecosystem is often viewed through a fragmented lens, where FinTech companies, financial institutions, and “alternative lenders” each play a unique and distinct role. Gary Schwartz, the president of the Canadian Lenders Association (CLA), however, doesn’t quite see it that way.

Jared Lindzon

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Wealthsimple – Investment Solutions for Everyone

Wealthsimple provides customers with intelligent, easy ways to invest, without charging high fees or requiring account minimums like most investment management companies do. Cutting edge technologies and diversified portfolios facilitate the best possible returns on investment. Everything about Wealthsimple is clear and straightforward; a core value of the business is gaining trust through transparency.

Amy Orr

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Zensurance – Insurance for your small business

Every business owner should have business insurance. Zensurance is an online insurance brokerage determined to help small business owners find the right insurance for them, including general liability insurance, errors and omissions insurance and commercial property insurance.

Amy Orr

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MoneyGram – Global Money Transfer Services

If you need to transfer money quickly, MoneyGram may just be the right choice for you. As a global leader in international person-to-person and digital money transfers, MoneyGram is trusted by millions of people all over the world. Their reputable service is available in two hundred countries around the globe.

Amy Orr

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Money Mart Review

Requiring a loan is a commonplace occurrence among most Canadians at some point in our lives. Money Mart, which was founded in Canada in 1982 offers a wide variety of different services to help their customers meet their short-term financial obligations. They are a reputable company with over 700 locations that can be found all across North America and are registered with the Better Business Bureau.

Amy Orr

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Merchant Growth Review

Merchant Growth is a rapidly growing Canadian financing company that caters specifically to small businesses across the country. They provide loans and financing to a wide variety of different industries, from manufacturing to e-commerce and everything in between. With multiple different financing plans to suit each individual business need, Merchant Growth can help your business with renovations, staffing, inventory, technology and anything else that you need to help your business thrive.

Amy Orr

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How to transfer money overseas from Canada

The process of transferring funds from an individual in one country to another is known as a remittance and this can be accomplished in many different ways. Online transfers are a fast and popular method as are money transfers.

Amanda Leach

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Ownr Makes it Easy to Register Your Business

Ownr

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Foxquilt disrupting an anachronistic legacy insurance industry

Founded in 2016 by Karim Jamal and Mark Morissette, both hailing from industry titans like Aviva and Real Matters (which debuted in one of the TSX’s largest tech IPOs), Foxquilt to date has been focused on delivering personalized, efficient solutions for businesses in their search to obtain the right (and economical) insurance coverage from leading carriers and access group purchasing power.

Mashoka Maimona

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How Canacap Approves 90% of Canadian Merchants for Financing

“Our mission is to offer alternative financing in the merchant cash advance space,” explains co-founder Adam Benaroch. “Our underwriting guidelines are not based on credit

Jared Lindzon

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Getting a Car Loan in Canada: A Step by Step Guide

Most Canadians don’t have the financial ability to find a car they love and buy it outright. Instead, they have two options, lease a car or get a car loan. If you choose to get a loan, there are many important steps that need to be followed, in sequential order. Getting a car loan isn’t a difficult process, but you must do it correctly so you don’t end up neck-deep in debt.

Car Loans Canada

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Homewise is a Free Online Mortgage Service That Saves You Time and Money

It's almost too good to be true, but that's what we love about our business; we get to help people realize their home buying dreams, and do it in a way that saves them a lot of time, money, and confusion.

Jared Lindzon

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2M7’s Philosophy: To Fund Every Deal Possible

Compared to Canada’s traditional and often conservative lenders with high credit standards like the major banks, 2M7 has a more open philosophy and liberal funding approach, proudly approving 97% of all applications submitted through its website.

Mashoka Maimona

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Merchant Growth Prepares to Launch New Products in Anticipation of the End of the Crisis

As the world eagerly anticipates an end to the Covid crisis, Merchant Growth is preparing to offer new and more dynamic loan products to small business customers across its Canadian marketplace.

Jared Lindzon

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Eastern Loans Gives Canadians Quick and Easy Access to Instalment Loans 7-days a Week

Today, Eastern Loans offers personal loans of between $500 and $1,000 to Canadians based anywhere other than Quebec and Saskatchewan, with competitive rates that differ between provinces.

Jared Lindzon

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The Best Payroll Software for Small Businesses in Canada

All of the solutions in this article will offer cloud-based payroll systems with automatic tax filing features. The best payroll software for small businesses is comprehensive but uncomplicated. Let’s dive into some of the best payroll software for small businesses and examine the situations where each one might be the best fit.

Ryan Bozeman

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The Best Vehicle Fleet Management Software

In this article, we’ll break down some of the best vehicle fleet management systems that are available today. We’ll dive into the features provided by each and cover some of the downsides that users of the software reference in their reviews to give you a complete picture.

Ryan Bozeman

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Top 9 Sedan Brands in Canada 2020

Choosing the perfect sedan can be tricky, with so many different options on the market right now.

Holly Welles

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Top 14 SUV Brands in Canada 2020

For those looking for a new daily driver or off-road companion, here is a list of the top 14 SUV brands in Canada for the 2020 model year. What sets these vehicles apart from the rest?

Holly Welles

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Top 8 Pickup Truck Brands in Canada 2020

Whether someone is looking for a truck with towing and hauling capacity, off-road capabilities or simply something to drive to the grocery store, there are plenty of options on the market today. 

Holly Welles

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The 7-Step Starters Guide on How to Invest in Stocks

Marissa Anwar

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Canadian Bank Institution Numbers

Across the globe, banks have specific and unique designations – names, numbers, monikers that precisely identify the institution and its place within the financial industry. This is the case in Canada where bank institution numbers work to distinguish banks from one another. Here is a listing of institution numbers (in easy-to-find alphabetical order) for the ten largest Canadian banks.

Marissa Anwar

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The Best iPad POS System for Small Businesses

In this article, we’ll break down the best iPad POS systems for small businesses. We’ll analyze what each option does right, what each does wrong, and make recommendations regarding what types of businesses might find each most useful.

Ryan Bozeman

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Buying a Home With Bad Credit: Tales of Success

If a home loan is not approved on the first try, it pays to apply with another creditor that will be open to saying yes. There are countless lenders that offer mortgages specifically for buyers with bruised credit or other financial situations. All borrowers should know their credit score in advance so they have an idea of their chances for approval.

Sheila Kay

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2020 Canada Tax Filing Deadline

The date to circle on your calendar is April 30th, 2020. For most Canadians, that’s the deadline to file your taxes for the 2019 fiscal year. In this post, we’ll be breaking down all the basics you need to know like what the deadlines are for personal, self-employment and corporate tax filings, what the penalties are for not filing your taxes on time and more!

Amy Orr

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Greenbox Capital® offers speedy small business loans with a personal touch

“I very much respect Canadian businesses, and we love doing business with them,” explains founder and chief executive officer Jordan Fein. “Our footprint is only going to grow in Canada, and we're going to continue building that trust in a much bigger way.”

Jared Lindzon

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Bartering; the future of small business lending, and giving, according to BarterPay.

“We've taken it from a one-to-one bartering concept to a one-to-many, and we do all the work,” says Porter. “It's solving this problem for businesses, turning what we call ‘business waste’ into value.

Jared Lindzon

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The 9 Best Budgeting Apps for 2025

Whether it’s goal setting for 2025 or budgeting wisely with a new decade, the undertaking can be incredibly daunting. Luckily, help is available at your fingertips. With an abundance of apps at your disposal, we’ve completed the hard work by narrowing down to the best nine apps currently available. These apps not only simplify the budgeting process, but immensely aid those who need a knowledgeable, guiding hand.

Marissa Anwar

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Addition of BMO Exec to CLA Board Further Proof “Alternative” Label is Out-dated

The line between traditional and so-called “alternative” lending got blurrier today as the Canadian Lenders Association announces the addition of Lyla Kanji—the Head of Loan Syndication and Specialty Finance, Canadian Commercial Banking at BMO Financial Group—to its board.

Jared Lindzon

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GoDay Offers Speedy Online Payday Loans For Canadians In a Hurry

The Toronto-based payday lender, which has been offering Canadians speedy loans since 2012, has built a reputation for providing safe and reliable loans in a hurry.

Jared Lindzon

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Wealthsimple: How I am using this robo advisor to invest for long-term

If you’re just starting with your investments, Wealthsimple guides you through the entire process. Similarly, if you are an experienced investor, Wealthsimple gives you multiple diversification options, along with the ability to set custom portfolios. If you need to contact support or require specific services, just reach out to their financial planners at the tap of a button.

Jenna West

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Top 6 Farm & Agriculture Equipment Brands in Canada 2025

We’ve listed out the top six Canadian farming and agriculture equipment brands for the upcoming year so you know who to keep an eye on and what you can expect from each in 2024.

Holly Welles

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Top 6 Semi-Truck Brands in Canada 2025

The trucking industry has come a long way in the last few decades, with new technology and other advancements. Let's take a look at the top six commercial truck manufacturers in Canada and North America, as well as some of the changes we can expect to see in 2024.

Holly Welles

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Canadian Mortgage Stress Test FAQs

On January 1, 2018 the Canadian government applied new guidelines to the Mortgage Stress Test (MST). Basic requirements were already in place for borrowers who put less than a 20% down payment on their home mortgage loan. With the new test guidelines, all conventional mortgage loan borrowers became subject to the new revisions regardless of the down payment amount. The changes included a number of other stringent rules for federally governed lenders to approve mortgages.

Sheila Kay

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Ways to Avoid CMHC Insurance Fees

For a large of number of Canadian homeowners, a portion of their monthly mortgage payment goes toward a mandatory CMHC (Canada Mortgage and Housing Corporation) fee. It is automatically added to the payment to cover mortgage default insurance. The result is an increase in the amount due every month. But there are creative ways to lower or avoid CMHC insurance for those who are required to have it in place.

Jenna West

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How do you Buy a Home as a Newcomer to Canada?

If Canada is a place you want to call home over the long-term, buying a home here makes a lot of sense. Here are the three most important factors lenders consider when considering whether to lend to someone who’s new to Canada to buy a home.

Sean Cooper

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The Pros and Cons of Putting Down 20% on a House

Should you put 20% down on your down payment? At the end of the day, there are pros and cons to everything, and Liz Enriquez, who bought her first house at age 24, shares the tips she used toward homeownership in order for you to make the most informed decision for yourself.

Liz Enriquez

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Canada Child Benefit Loan Applications

CCB assistance is received in the form of a monthly tax-free payment to parents of minor children. Because the benefit is paid on a regular basis (monthly), it is considered qualified income which can be used in an application for a personal loan. In fact, due to popular demand, there is an abundance of loan products exclusively geared to child tax benefit recipients.

Sheila Kay

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How To Receive A Government Loan For A Small Business?

Over the past 10 years, the Government of Canada has made it possible for over 63,000 borrowers to receive a sum amount of $9.5 billion in asset-based financing. So, there’s no really wondering why the economy in Canada is currently powered by SME’s.   If you’re running a small business, there are a few reasons […]

Khadija Bilal

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Getting a Truck Loan with Bad Credit

Almost everyone has to take out a loan from time to time to cover the costs of large purchases like homes and vehicles. Truck loans are particularly popular, with thousands of Canadians looking to buy trucks each year.   Most people simply don’t have the cash saved up to buy a truck outright, so they […]

Khadija Bilal

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How ConsumerCapital Offers Services Well Beyond Its Years

ConsumerCapital may be relatively new in the Canadian alternative lending ecosystem, but the company is already focused on establishing long-lasting relationships with its customers.

Jared Lindzon

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How to Buy a Home Guide

Buying a home is a fun and exciting time. For most Canadians it’s the single biggest financial transaction of their lifetime. As such, it’s important to do your homework and come prepared. In this guide, we’ll help you do just that by walking you through the steps of buying a home in Canada.

Sean Cooper

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Econolease has solutions to fit every food service business in Canada

After 14 years supporting restaurants and food service providers in Canada, and with a wide range of products to choose from, Econolease’s sales staff is able to determine what lease, loan or rental product best fits each customer’s unique situation.

Jared Lindzon

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The State of Alternative Lending in Canada 2018 Study

Canadians are warming up to alternative lenders, but remain skeptical. When they’re in need of a loan, a majority of Canadians now look to online lenders as a viable alternative to traditional financial institutions, according to the State of Alternative Lending in Canada 2018 study conducted by online comparison service Smarter Loans.

Amy Orr

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Lending Mate Helps Canadians Get a Loan With a Little Help From their Friends

Rather than considering the credit rating of the borrower, Lending Mate provides guarantor loans, which only requires the borrower to have a qualified friend or relative vouch for their ability to pay it back.

Jared Lindzon

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Qualifying for a Mortgage in Canada and the U.S.

Buying a home is a major expense; for most consumers it is the largest financial investment they will make in a lifetime. People that paid for their homes with cash make up the minority of homeowners. Simply put, having ready money to purchase a home is an ideal situation but is out of reach for most people. The path to owning a home more commonly involves qualifying for a mortgage.

Amy Orr

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Inside the World of Merchant Cash Advances

After being denied six business loans, Rhonda realized that because her business was new, most banks would not offer her enough financing to start her new venture. However, she had heard about an alternative to traditional lending known as a merchant cash advance, or MCA. Encouraged, she took off in the direction of getting funding via an MCA. And she is not alone; millions of start-ups and established businesses take advantage of the benefits of this type of financing. But before they do, they must understand the ins and outs of merchant cash advances.

Amy Orr

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How iCapital Helps Canadian Small Businesses Leverage An Often Forgotten Asset: Future Debit and Credit Card Sales

For nearly a decade, Toronto-based iCapital has been providing capital to Canadian small business owners of all shapes and sizes from coast to coast. Unlike traditional loan products, however, their merchant cash advance has absolutely no deadlines, no late fees, and is only paid out when small business owners are making money themselves.

Jared Lindzon

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Bigger is Better: How Peel Financial Uses Its Dominating Size to Fight For Its Customers

Being the country’s oldest and largest equipment finance broker has its advantages. Founded over 15-years ago, Brampton, Ontario-based Peel Financial has the largest group of credit analysts in the country, offering a wide range of equipment financing options primarily to the trucking and transportation industry.

Jared Lindzon

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SkyCap Financial Wants to Help Clients Get Back to Borrowing from the Bank

While some short-term lenders seek to keep their customers on a cycle of payday loans with high interest rates, the Kingston-Ontario based alternative lender strives to get its customers back to borrowing at lower rates from the banks. “The goal for us is to help that client to not have to borrow with us,” said SkyCap Financial president Jeremy Wilson. “We want the client to get back to being able to borrow with a bank.”

Jared Lindzon

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Financing Equipment vs Leasing Equipment

A broad spectrum of customers either finance or lease equipment for business or personal use. And the list of the variety of equipment available is seemingly endless. The determining factors of whether to lease or finance equipment include a) who is the customer b) what the equipment is needed for and c) how long or how often it will be used.

Amy Orr

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How the Canadian Lenders Association is Elevating the Industry From ‘Alternative’ to ‘Innovative’

  Little over a year ago, there was no leading voice in the “alternative” lending space in Canada; no industry association to advocate on its behalf or network to help establish and spread best practices.   Fortunately, those resources are now available to the industry through the Canadian Lenders Association (CLA), an industry association dedicated […]

Jared Lindzon

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Cashco Financial Offers Canadians a Better Alternative to Payday Loans

Cashco now offers customers installment or “flex” loans from $500 to $7,000 for a term of up to 60 months to help them make ends meet without having to turn to a payday loan provider.

Jared Lindzon

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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.

Amy Orr

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Magical Credit’s New Product Helps High Risk Borrowers Build Back Their Credit

Magical Credit, the short term lender known for helping its customers get out of the payday loan cycle through manageable low monthly payments, has added a new product to its offering for those farthest in the deep-end.

Jared Lindzon

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Borrowell is Commited to Helping Canadians Improve Their Credit Health

Borrowell is a fintech startup based in Toronto that uses technology to make financial services fast, fair and friendly. Along with offering Canadians access to their credit scores for free, Borrowell believes Canadians deserve more choice and more transparency when it comes to their personal finances.

Joseph Czikk

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Home Loans for Veterans

Veteran home loans come with distinct advantages for men and women who serve, or have served, in the military. These loans are also available for reservists, active duty service members, and National Guard members.

Amy Orr

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Business Credit Cards

Get the Best Use Out of Business Credit Cards Most business owners have run into sudden unexpected expenses and could use business credit cards to tide them over. Equipment malfunctions, an abrupt rise orders to be filled, or any number of crises can send daily operations into a tailspin. Fortunately, business credit cards and other […]

Amy Orr

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Peer to Peer Lending in Canada

Peer to peer (or P2P) lending in Canada is the financial fit for borrowers in need of cash for any number of reasons. Read all about P2P lending at Smarter Loans.

Amy Orr

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easyfinancial offers borrowers more than cash – it offers a “second chance”

In a country that owns the bragging rights to having the highest household debt of any G7 nation – and with a glaring need for loan options, personal lender easyfinancial steps in to help those Canadians who have been turned away by big banks.

Mashoka Maimona

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