85% federally guaranteed
The Government of Canada stands behind 85% of the loan, which is why lenders can approve files the conventional credit box would decline.
How it works
One guided application, a complete file the first time it's reviewed, and a decision made by a real credit officer. Here's the whole journey, step by step.
The journey
01
From first question to funded loan — six steps, one platform, no branch visits.
Check your eligibility
Eight questions about you, your business, and what you're financing. You get a clear answer and an estimated capacity in about five minutes — with no credit pull and nothing committed.
Step 3 of 8
Practice acquisition
Equipment purchase
Gather documents, once
A guided checklist tailored to your scenario — acquisition, equipment, or build-out. Upload each item a single time through a secure portal; we never ask twice for the same document.
- ✓T2 corporate returns (2 yrs)
- ✓Notice to reader financials
- ✓Purchase agreement draft
- ✓Equipment quote — CBCT
We package your credit file
Our analysts turn your documents into the file a credit officer wants to read: normalized financials, a clean program-eligibility memo, and the CSBFP paperwork pre-checked.
Credit memo · Chen Dental Corp.Complete
Debt service coverage
Program eligibility
Collateral & security
A real credit officer decides
Your file goes to our partner credit union — not an algorithm and not an offshore queue. Because the file arrives complete, decisions typically come back within days.
Approved — $865,000
Reviewed by S. Okafor, Commercial Credit · Servus Credit Union
Conditions: standard CSBFP security & insurance
CSBFP registration
We prepare the federal registration that puts the 85% government guarantee behind your loan. The 2% registration fee can be financed into the loan itself.
Registered
Canada Small Business Financing Program
Guarantee in force · 85% of principal
Registration fee (2%) financed into loan
Funding
Funds are disbursed by the credit union — to you, or directly to vendors and sellers where the program requires it. Most files run application-to-funded in 5–10 business days.
Disbursement
$865,000.00
Practice purchase — vendor counsel$720,000
Equipment — Patterson Dental$98,000
Leasehold contractor$47,000
01
Check your eligibility
Eight questions about you, your business, and what you're financing. You get a clear answer and an estimated capacity in about five minutes — with no credit pull and nothing committed.
Step 3 of 8
Practice acquisition
Equipment purchase
02
Gather documents, once
A guided checklist tailored to your scenario — acquisition, equipment, or build-out. Upload each item a single time through a secure portal; we never ask twice for the same document.
- ✓T2 corporate returns (2 yrs)
- ✓Notice to reader financials
- ✓Purchase agreement draft
- ✓Equipment quote — CBCT
03
We package your credit file
Our analysts turn your documents into the file a credit officer wants to read: normalized financials, a clean program-eligibility memo, and the CSBFP paperwork pre-checked.
Credit memo · Chen Dental Corp.Complete
Debt service coverage
Program eligibility
Collateral & security
04
A real credit officer decides
Your file goes to our partner credit union — not an algorithm and not an offshore queue. Because the file arrives complete, decisions typically come back within days.
Approved — $865,000
Reviewed by S. Okafor, Commercial Credit · Servus Credit Union
Conditions: standard CSBFP security & insurance
05
CSBFP registration
We prepare the federal registration that puts the 85% government guarantee behind your loan. The 2% registration fee can be financed into the loan itself.
Registered
Canada Small Business Financing Program
Guarantee in force · 85% of principal
Registration fee (2%) financed into loan
06
Funding
Funds are disbursed by the credit union — to you, or directly to vendors and sellers where the program requires it. Most files run application-to-funded in 5–10 business days.
Disbursement
$865,000.00
Practice purchase — vendor counsel$720,000
Equipment — Patterson Dental$98,000
Leasehold contractor$47,000
In detail
A CSBFP loan from a Big-5 branch and a CSBFP loan through Springboard carry the same federal guarantee. What differs is everything around it.
Why the CSBFP
Personal guarantee capped at 25%
Program rules limit personal guarantees to a quarter of the original loan amount — a structural protection conventional lending rarely offers.
Up to $1.15M of capacity
Up to $1M in term loans plus a $150K line of credit per borrower, covering acquisitions, equipment, leaseholds, and working capital.
Terms that match the asset
Amortizations up to 15 years on real property and matched to useful life on equipment — payments sized to how the asset actually earns.
Built for newer businesses
Startups and first-time acquirers are squarely inside the program's mandate. Years of operating history are not a prerequisite.
Registration handled for you
We prepare the federal registration end to end, and the program's 2% registration fee can be financed into the loan itself.