Loan Guides
These guides explain how a type of loan works in Canada: who it is for, what it can cost and what to compare before signing. Search by name, or narrow the list with the filters.
Sphera Credit is a technology and marketing platform and is not involved in any lending or brokering activity of any kind. We do not assess creditworthiness, originate loans, or take part in any lender's decision.
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Business Loans in Quebec
Investissement Quebec's ESSOR program offers loans and guarantees with no fixed cap for qualifying SMEs.
Business Loans in British Columbia
BCFSA oversees BC commercial lending, with facilities running from $25,000 into the millions.
Business Loans in Ontario
Ontario draws 35% to 40% of all CSBFP lending nationally, alongside the major banks and BDC.
Business Loans in Alberta
Alberta requires the full cost of borrowing in writing before a business loan agreement is signed.
Business Loans in Manitoba
Community Futures Manitoba lends for up to five years at prime plus 2% to prime plus 6%.
Business Loans in New Brunswick
ONB funds up to $30,000 for export and market development, plus working capital to $5 million.
Business Loans in Nova Scotia
Nova Scotia's provincially guaranteed program offers term loans and working capital to $500,000.
Bad Credit Loans
Options for Canadians scoring below 600, from lenders that weigh income and stability alongside bureau history.
Debt Consolidation Loans
Roll several balances into one fixed monthly payment, usually well under the 19.99% to 29.99% cards charge.
Debt Consolidation Loans in Alberta
Albertans owe about $1.70 per dollar of disposable income, and 47% sit within $200 of insolvency.
Debt Consolidation Loans in British Columbia
BCFSA oversees the BC lenders that refinance several balances into a single monthly payment.
Debt Consolidation Loans in Ontario
Ontario recorded 51,637 consumer insolvencies in 2024, 81% of them proposals rather than bankruptcies.