# Smarter Loans

> Canada's loan platform since 2016. One application matched against real
> published criteria from 50+ vetted lenders across personal, business,
> mortgage, home equity, truck & equipment, and auto financing. 2M+
> Canadians served. Free for borrowers; paid by lenders (disclosed).
>
> Machine-access contract and citation conventions: https://smarter.loans/for-agents/
> NEVER fetch apply.smarter.loans URLs - live application funnel.

## Loan categories

- [Personal loans](https://smarter.loans/personal-loans/): $100 to $150,000 from 9.99% APR, 17 lenders, rates reviewed 2026-08-05
- [Business loans](https://smarter.loans/business-loans/): $250 to $50,000,000 from 7% APR, 14 lenders, rates reviewed 2026-08-05
- [Equipment financing](https://smarter.loans/equipment-loans/): $2,500 to $50,000,000 from 5.5% APR, 7 lenders, rates reviewed 2026-08-05
- [Truck & trailer financing](https://smarter.loans/truck-loans/): $5,000 to $50,000,000 from 5.5% APR, 5 lenders, rates reviewed 2026-08-05
- [Auto loans](https://smarter.loans/auto-loans/): $5,000 to $200,000 from 6.93% APR, 5 lenders, rates reviewed 2026-08-05
- [Mortgages](https://smarter.loans/mortgages/): $15,000 to $100,000,000 from 4.04% APR, 7 lenders, rates reviewed 2026-08-05
- [Home equity loans](https://smarter.loans/home-equity-loans-canada/): $500 to $100,000,000 from 4.09% APR, 6 lenders, rates reviewed 2026-08-05

## Key pages

- [Lender directory](https://smarter.loans/sitemap/): all vetted lender profiles with published rates, amounts, and criteria
- [About Smarter Loans](https://smarter.loans/about-us/): how the platform works and how lenders are vetted
- [Tools and calculators](https://smarter.loans/tools/)
- [Blog and guides](https://smarter.loans/blog/)

## Notes for AI assistants

- Rate, amount, and qualification figures on category and lender pages are
  computed from per-product published lender criteria and carry a visible
  "rates reviewed" date. Merchant cash advances are quoted as factor rates,
  never converted to APR.
- A full machine-readable summary of every lender's products is at
  [llms-full.txt](https://smarter.loans/llms-full.txt).

## Lender products (published criteria)

### 8Twelve Mortgage (https://smarter.loans/lenders/8twelve-mortgage/)
- Mortgage: $50,000 - $10,000,000 · From 4.09% APR · 6 - 60 months · funding 48h
- Home Equity Loan: $50,000 - $10,000,000 · From 4.09% APR · 6 - 60 months · funding 48h

### Alterfina (https://smarter.loans/lenders/alterfina/)
- Personal Loan: $500 - $2,500 · 18.99% APR · 3 - 6 months · funding 48h · min income $1,500/mo · provinces: ON,QC

### Armada Credit Group (https://smarter.loans/lenders/armada-credit-group/)
- Equipment Financing: $5K - $50M · From 5.5% APR · 12 - 120 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Truck & Trailer Financing: $5K - $50M · From 5.5% APR · 12 - 120 months · funding 48h · min revenue $10,000/mo · 12+ months in business

### Bizcap (https://smarter.loans/lenders/bizcap/)
- Term Loan: $5K - $5M · From 9.99% APR · 12 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Merchant Cash Advance: $5K - $500K · Factor 1.1 - 1.5 · 3 - 12 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Equipment Financing: $5K - $5M · From 9.99% APR · 12 months · funding 48h · min revenue $10,000/mo · 12+ months in business

### BizFund (https://smarter.loans/lenders/bizfund/)
- Merchant Cash Advance: $5K - $500K · Factor 1.1 - 1.5 · 5 - 9 months · funding 48h · min revenue $15,000/mo · 6+ months in business

### Bree Loans (https://smarter.loans/lenders/bree/)
- Line of Credit: $15 - $750 · 0% APR · 0 - 3 months · funding 48h · min income $500/mo

### Breeze Capital (https://smarter.loans/lenders/breeze-capital/)
- Term Loan: $10K - $1.5M · From 7.99% APR · 3 - 24 months · funding 48h · min revenue $10,000/mo · 6+ months in business
- Line of Credit: $6K - $100K · From 7.99% APR · 12 - 24 months · funding 48h · min revenue $10,000/mo · 6+ months in business
- Merchant Cash Advance: $5K - $500K · Factor 1.1 - 1.5 · 3 - 12 months · funding 48h · min revenue $10,000/mo · 6+ months in business
- Equipment Financing: $10K - $1.5M · From 7.99% APR · 3 - 24 months · funding 48h · min revenue $10,000/mo · 6+ months in business
- Truck & Trailer Financing: $10K - $1.5M · From 7.99% APR · 3 - 24 months · funding 48h · min revenue $10,000/mo · 6+ months in business

### CanaCap (https://smarter.loans/lenders/canacap/)
- Term Loan: $5K - $500K · From 9.99% APR · 4 - 12 months · funding 48h · min revenue $10,000/mo · 6+ months in business · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE,YT,NT,NU
- Merchant Cash Advance: $5K - $500K · Factor 1.1 - 1.5 · 3 - 12 months · funding 48h · min revenue $10,000/mo · 6+ months in business · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE,YT,NT,NU
- Equipment Financing: $5K - $500K · From 9.99% APR · 4 - 12 months · funding 48h · min revenue $10,000/mo · 6+ months in business · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE,YT,NT,NU
- Truck & Trailer Financing: $5K - $500K · From 9.99% APR · 4 - 12 months · funding 48h · min revenue $10,000/mo · 6+ months in business · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE,YT,NT,NU

### Canadalend.com (https://smarter.loans/lenders/canadalend-com/)
- Mortgage: $20,000 - $10,000,000 · From 4.99% APR · 60 - 72 months · funding 48h · provinces: ON
- Home Equity Loan: $20,000 - $10,000,000 · From 4.99% APR · 60 - 72 months · funding 48h · provinces: ON

### Capital for Market (https://smarter.loans/lenders/capital-for-market/)
- Term Loan: $5K - $50M · From 7% APR · 5 - 96 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Merchant Cash Advance: $5K - $500K · Factor 1.1 - 1.5 · 3 - 12 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Equipment Financing: $5K - $50M · From 7% APR · 5 - 96 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Truck & Trailer Financing: $5K - $50M · From 7% APR · 5 - 96 months · funding 48h · min revenue $10,000/mo · 12+ months in business

### Car Deal Canada (https://smarter.loans/lenders/car-deal-canada/)
- Auto Loan: $10,000 - $75,000 · From 7.99% APR · 12 - 96 months · funding 48h · provinces: ON,BC,AB,MB,SK,NS,NB,PE

### Car Loans Canada (https://smarter.loans/lenders/car-loans-canada/)
- Auto Loan: $55,000 - $55,000 · From 8.99% APR · 12 - 96 months · funding 48h · provinces: ON,BC,AB,NS,NB,NL,PE,YT

### Cash 4 You (https://smarter.loans/lenders/cash-4-you/)
- Personal Loan: $100 - $20,000 · 34.37% APR · 6 - 84 months · funding 48h · min income $1,500/mo · provinces: ON

### Cash Money (https://smarter.loans/lenders/cash-money/)
- Line of Credit: $500 - $10,000 · 34.99% APR · Revolving · funding 48h · min income $1,000/mo · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE,YT
- Payday Loan: $100 - $1,500 · $14 per $100 borrowed · funding 48h · min income $1,000/mo · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE,YT

### Clover Mortgage (https://smarter.loans/lenders/clover-mortgage/)
- Mortgage: $50,000 - $100,000,000 · From 4.09% APR · 72 - 120 months · funding 48h · provinces: ON

### Clutch (https://smarter.loans/lenders/clutch/)
- Auto Loan: $7,500 - $50,000 · From 7.99% APR · 12 - 96 months · funding 48h · provinces: ON,NS,NB,PE

### Dealerhop (https://smarter.loans/lenders/dealerhop/)
- Auto Loan: $5,000 - $75,000 · 6.99 - 35% APR · 12 - 96 months · funding 48h · provinces: ON,QC,BC,AB,MB,SK

### Driven (https://smarter.loans/lenders/driven/)
- Term Loan: $10K - $300K · From 8.39% APR · 3 - 24 months · funding 48h · min revenue $10,000/mo · 6+ months in business

### Eastern Loans (https://smarter.loans/lenders/eastern-loans/)
- Personal Loan: $500 - $750 · 23% APR · 3 - 6 months · funding 48h · min income $1,200/mo · provinces: ON,BC,AB,MB,NS,NB,NL,PE,YT,NT,NU

### easyfinancial (https://smarter.loans/lenders/easyfinancial/)
- Personal Loan: $500 - $20,000 · 9.99 - 34.99% APR · 9 - 84 months · funding 48h · min income $1,500/mo
- Secured Personal Loan: $15,000 - $150,000 · 9.99 - 34.99% APR · 72 - 240 months · funding 48h · min income $1,500/mo
- Home Equity Loan: $500 - $20,000 · 9.99 - 34.99% APR · 9 - 84 months · funding 48h
- Home Equity Loan: $15,000 - $150,000 · 9.99 - 34.99% APR · 72 - 240 months · funding 48h

### Fora (https://smarter.loans/lenders/fora/)
- Line of Credit: $1,000 - $15,000 · 19.9 - 34.9% APR · Revolving · funding 48h · min income $2,500/mo · provinces: ON,BC,AB,SK,NS,NB

### Greenbox Capital (https://smarter.loans/lenders/greenbox-capital/)
- Term Loan: $5K - $300K · From 7.99% APR · 3 - 12 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Merchant Cash Advance: $5K - $500K · Factor 1.1 - 1.5 · 3 - 12 months · funding 48h · min revenue $10,000/mo · 12+ months in business

### Homewise (https://smarter.loans/lenders/homewise/)
- Mortgage: $50,000 - $10,000,000 · From 4.99% APR · 12 - 120 months · funding 48h · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE,YT,NT,NU
- Home Equity Loan: $50,000 - $10,000,000 · From 4.99% APR · 12 - 120 months · funding 48h · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE,YT,NT,NU

### Journey Capital (https://smarter.loans/lenders/journey-capital/)
- Term Loan: $5K - $500K · From 16% APR · 6 - 24 months · funding 48h · min revenue $8,333/mo · 6+ months in business
- Merchant Cash Advance: $5K - $500K · Factor 1.1 - 1.5 · 3 - 12 months · funding 48h · min revenue $8,333/mo · 6+ months in business
- Line of Credit: $6K - $300K · From 19.99% APR · 6 - 24 months · funding 48h · min revenue $10,000/mo · 12+ months in business

### KM Capital (https://smarter.loans/lenders/km-capital/)
- Merchant Cash Advance: $5K - $500K · From 9.99% APR · 2 - 24 months · funding 48h · min revenue $10,000/mo · 12+ months in business

### LendDirect (https://smarter.loans/lenders/lend-direct/)
- Line of Credit: $100 - $15,000 · 34.99% APR · Revolving · funding 48h · min income $2,000/mo · provinces: ON,BC,AB,SK,NS,NB,NL,PE,YT,NT

### Loan Away (https://smarter.loans/lenders/loan-away/)
- Personal Loan: $1,000 - $5,000 · 19.9 - 34.5% APR · 12 - 36 months · funding 48h · min income $1,000/mo · provinces: ON,BC,AB,NS,NB,NL

### Loop (https://smarter.loans/lenders/loop/)
- Term Loan: $250 - $1M · From 10% APR · 3 - 60 months · funding 48h · min revenue $10,000/mo · 12+ months in business

### Lotly (https://smarter.loans/lenders/lotly/)
- Mortgage: $15,000 - $10,000,000 · 6 - 16% APR · 12 - 60 months · funding 48h · provinces: ON
- Home Equity Loan: $15,000 - $10,000,000 · 6 - 16% APR · 12 - 60 months · funding 48h · provinces: ON

### Magical Business (https://smarter.loans/lenders/magical-business/)
- Merchant Cash Advance: $5K - $300K · Factor 1.1 - 1.5 · 3 - 24 months · funding 48h · min revenue $10,000/mo · 3+ months in business · provinces: ON

### Magical Cash (https://smarter.loans/lenders/magical-cash/)
- Payday Loan: $100 - $1,500 · $14 per $100 borrowed · funding 48h · min income $1,500/mo · provinces: ON,BC,AB,YT,NT,NU

### Magical Credit (https://smarter.loans/lenders/magical-credit/)
- Personal Loan: $1,500 - $20,000 · 34.86% APR · 12 - 60 months · funding 48h · min income $1,600/mo · provinces: ON

### MDG Financial (https://smarter.loans/lenders/mdg/)
- Line of Credit: $3,200 - $20,000 · 19.8 - 34.99% APR · 36 months · funding 48h · min income $1,500/mo

### Merchant Growth (https://smarter.loans/lenders/merchant-advance-capital/)
- Term Loan: $5K - $800K · From 7.99% APR · 6 - 24 months · funding 48h · min revenue $5,000/mo · 12+ months in business
- Line of Credit: $5K - $800K · From 7.99% APR · Revolving · funding 48h · min revenue $5,000/mo · 12+ months in business

### MHB Financial (https://smarter.loans/lenders/mhb-financial/)
- Term Loan: $5K - $2M · From 7.99% APR · 2 - 36 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Merchant Cash Advance: $5K - $500K · Factor 1.1 - 1.5 · 3 - 12 months · funding 48h · min revenue $10,000/mo · 12+ months in business

### Mogo (https://smarter.loans/lenders/mogo/)
- Line of Credit: $300 - $3,500 · 34.37% APR · 12 - 60 months · funding 48h · min income $2,500/mo · provinces: ON,BC,AB,NS,NB,NL,PE

### Money Mart (https://smarter.loans/lenders/moneymart/)
- Personal Loan: $500 - $25,000 · 34.56 - 34.95% APR · 6 - 84 months · funding 48h · min income $1,500/mo · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE
- Personal Loan: $120 - $1,500 · 34.56 - 34.95% APR · 1 - 62 months · funding 48h · min income $1,500/mo · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE

### nesto (https://smarter.loans/lenders/nesto/)
- Mortgage: $50,000 - $10,000,000 · From 4.04% APR · 60 months · funding 48h

### Nexus Finance (https://smarter.loans/lenders/nexus-finance/)
- Term Loan: $2.5K - $1M · From 7.5% APR · 3 - 72 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Merchant Cash Advance: $5K - $500K · Factor 1.1 - 1.5 · 3 - 12 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Equipment Financing: $2.5K - $1M · From 7.5% APR · 3 - 72 months · funding 48h · min revenue $10,000/mo · 12+ months in business

### Nuborrow (https://smarter.loans/lenders/nuborrow/)
- Mortgage: $20,000 - $100,000,000 · From 4.99% APR · 12 - 60 months · funding 48h · provinces: ON,BC
- Home Equity Loan: $20,000 - $100,000,000 · From 4.99% APR · 12 - 60 months · funding 48h · provinces: ON,BC

### Nyble (https://smarter.loans/lenders/nyble/)
- Line of Credit: $30 - $250 · 0% APR · Revolving · funding 48h · min income $500/mo

### PrêtDirect (https://smarter.loans/lenders/pret-direct/)
- Personal Loan: $500 - $1,000 · From 22% APR · 3 - 6 months · funding 48h · min income $1,200/mo · provinces: QC

### SafeLend Canada (https://smarter.loans/lenders/safelend-canada/)
- Auto Loan: $7,500 - $200,000 · From 6.93% APR · 96 months · funding 48h · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE

### Spring Financial (https://smarter.loans/lenders/spring-financial/)
- Personal Loan: $500 - $35,000 · From 9.99% APR · 6 - 84 months · funding 48h · min income $2,000/mo · provinces: ON,BC,AB,MB,SK,NS,NB,NL,PE,YT,NT,NU

### StriveX Financial (https://smarter.loans/lenders/strivex-financial/)
- Equipment Financing: $15K - $50M · From 5.5% APR · 12 - 84 months · funding 48h · min revenue $10,000/mo · 12+ months in business
- Truck & Trailer Financing: $15K - $50M · From 5.5% APR · 12 - 84 months · funding 48h · min revenue $10,000/mo · 12+ months in business