01
Check your eligibility
Five minutes and eight questions for a clear answer — no credit pull, no obligation.
For Canadian small business owners
Springboard Lending originates Canada Small Business Financing Program (CSBFP) loans for dentists and small business owners. Federally guaranteed. Decided by real credit officers at our partner credit unions. Delivered with software that respects your time.
Eligibility estimate
Pre-checkEstimated CSBFP capacity
$0
Likely eligible — dental practice acquisition, Calgary AB
Term loan capacity$1,000,000
Line of credit$150,000
Federal guarantee85%
Illustrative result. Final amounts set by lender and program rules.
- $0.0B
- annual CSBFP loan volume in Canada
- 0%
- of CSBFP borrowers wouldn't have been approved conventionally
- 5–0 days
- application to funded with Springboard
85% federally guaranteed under the CSBFPIn partnership with Servus Credit UnionBuilt for dental practice owners firstCalgary · Edmonton · across AlbertaFive-minute eligibility check, no credit pull
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We build your file
A guided checklist collects your documents once; our credit team packages a lender-ready application.
03
Decision and funding
A real credit officer at our partner credit union decides, then CSBFP registration and funding follow in days.
The problem
75% of CSBFP borrowers wouldn't have qualified conventionally.
01
The Canada Small Business Financing Program exists precisely for the owners the conventional credit box turns away — newer practices, thinner collateral, bigger ambitions. With the federal government guaranteeing 85% of the loan, a lender can say yes to a file it would otherwise have to decline. Three quarters of the borrowers the program serves would have heard a no without it.
02
The CSBFP is one of the most effective financing tools in the country, and one of the least known. Banks rarely lead with it — the paperwork is heavy, the registration rules are exacting, and a conventional loan is easier for them to write. So most owners who qualify never hear about it. Springboard leads with it, because it is usually the better answer.
03
Between branch appointments, re-requested documents, and head-office queues, a conventionally handled application drags across most of a quarter — while practice listings go to better-prepared buyers and equipment quotes expire. Software collapses that: one guided intake, a complete file the first time, and a decision in days.
The problem
75% of CSBFP borrowers wouldn't have qualified conventionally.
The Canada Small Business Financing Program exists precisely for the owners the conventional credit box turns away — newer practices, thinner collateral, bigger ambitions. With the federal government guaranteeing 85% of the loan, a lender can say yes to a file it would otherwise have to decline. Three quarters of the borrowers the program serves would have heard a no without it.
Only 16% of eligible borrowers know the program exists.
The CSBFP is one of the most effective financing tools in the country, and one of the least known. Banks rarely lead with it — the paperwork is heavy, the registration rules are exacting, and a conventional loan is easier for them to write. So most owners who qualify never hear about it. Springboard leads with it, because it is usually the better answer.
The average application takes 4 to 10 weeks.
Between branch appointments, re-requested documents, and head-office queues, a conventionally handled application drags across most of a quarter — while practice listings go to better-prepared buyers and equipment quotes expire. Software collapses that: one guided intake, a complete file the first time, and a decision in days.
The comparison
What it takesBig-5 bank applicationSpringboard application
Time to funded4–10 weeks5–10 days
Documents requiredWhatever each reviewer asks for, againOne guided checklist, uploaded once
Rounds of back-and-forthFour to six email chainsTypically one
Specialist underwritingGeneralist branch queueDental and small-business focused
Personal guaranteeOften unlimitedCapped at 25% under the CSBFP
Eligibility transparencyFind out at the endKnow in five minutes
Featured vertical
Dentistry is where slow conventional lending hurts most — practice listings move quickly and equipment quotes don't wait. We built our underwriting checklists, document templates, and credit packaging around dental files from day one.
See how we work with dentistsPractice acquisitions
Finance the purchase of an established practice — equipment, leaseholds, and goodwill within program rules — with up to $1M in term lending.
Equipment & technology
CBCT imaging, CAD/CAM milling, chairs and operatory upgrades, financed over terms that match the life of the asset.
Build-outs & relocations
Leasehold improvements for a new location or an expansion — the costs banks most often hesitate on, squarely covered by the CSBFP.
The model
Springboard runs the application, the document collection, and the credit packaging. A real credit officer at our partner credit union makes the decision, and the federal government guarantees 85% of the loan under the CSBFP.