Business financing in Newfoundland and Labrador
The same four products, the same one-day decision, and one thing that is particular to Newfoundland and Labrador: where your incorporation papers came from.
- Amounts
- $5,000 – $2,000,000
- Decision
- One business day
- Credit check
- No hard pull
Your paperwork, specifically
We ask every business for proof it is registered. In Newfoundland and Labrador that means your certificate and articles of incorporation, issued by the Registry of Companies.
Federally incorporated instead? Corporations Canada documents work anywhere in the country, Newfoundland and Labrador included. Send what you have — if it is the wrong one we will tell you which is the right one.
You will also need your CRA business number confirmation, which is federal and looks the same wherever you trade.
Exactly which documents, and what they look like →The rest of the file
- 1Make an accountBusiness email, name, phone, password. Two minutes.
- 2Answer eleven short questionsWhere you trade, what you turn over, how much you need. It saves as you type.
- 3Send six months of bank statementsPDFs from your bank. This is the part underwriters read.
- 4Add your paperwork and verify your IDIncorporation documents, the owners, and a photo of your licence.
- 5Send itMost decisions come back within one business day.
What we can get a Newfoundland and Labrador business
All four, on the same terms as anywhere else in Canada. We are a brokerage: one application reaches the lenders most likely to fund it.
Term loans
A fixed amount, a fixed schedule, and nothing pledged against it. The straightest answer when you know the number and the timeline.
$5,000 – $2,000,000
Revenue-based line of credit
Draw what you need, pay for what you draw, and the limit moves with what you turn over. For months that are uneven rather than short.
Up to $500,000
Asset-based lending
Your receivables, inventory or equipment doing some work while you still hold them. Usually the cheapest money on this page.
$50,000 – $2,000,000
Equipment financing
The oven, the van, the line. Financed against the thing itself, so the payment sits against what the thing earns.
$10,000 – $1,000,000
What is not different
Everything else. The amounts, the products, the one-business-day decision, the six months of statements, the ID check. We have no office in Newfoundland and Labrador and we are not going to pretend otherwise — the file is read by the same people wherever it comes from.
We fund incorporated businesses in Canada and the United States. Nothing here is an offer of credit.