How it Works

Access to Capital Has Never Been Easier for Small Businesses of All Types

The AccordAccess Advantage

AccordAccess is a flexible working capital solution for qualified small- and medium-sized businesses. Our aim is to help you take advantage of growth opportunities or manage through challenging times. AccordAccess is an ideal supplement to long-term financing, like bank credit, lease finance and of course your own investment.

Program Features

Package Details
Maximum Loan It's your choice, from $5,000 to $75,000 subject to our credit evaluation
Terms flexible terms up to 18 months
Repayment simple fixed weekly repayments - weekly account debit (Wednesdays) of principal & interest from your primary business operating account

The Ideal Solution

AccordAccess is an ideal solution to a variety of business challenges, including:

• Solving the timing difference between paying suppliers and collecting from customers
• Financing an unusually large project or order
• Assisting with inventory finance ahead of peak periods
• Managing cash-flows through seasonal cycles
• Handling unexpected equipment repairs
• Financing small fixtures or equipment
• Bridging through challenging events, like an unexpected slowdown or an unplanned one-time expense
• Improving overall working capital position

AccordAccess is perfect for situations when the advantage of investing in the business outweighs the short-term cost of borrowing.

How Fast is AccordAccess?

We aim to lead the industry in service level and speed. Once we receive all of your application information, you can expect to receive our credit decision within 8 business hours.

If you accept our approval, we'll send you your loan documentation right away. The entire process moves quickly, and in many cases we are able to fund the next business day - direct to your bank account.

Do You Qualify?

AccordAccess is designed for stable or growing businesses with the ability to manage short-term unsecured debt.

• Have you been in business more than two years?
• Is your business stable and/or growing?
• Do you have regular deposits into your business bank account?
• Do you have an average or better credit profile?

If you meet these initial criteria, we welcome your application.

Deal With Real People

We believe there's more to lending than impressing a computer algorithm, so we take the time to review each application with a personal touch. Our process gives us the flexibility to consider situations that numbers alone cannot fully explain.

Early Repayment and Re-Advance Options

If you wish to repay your loan early - no problem! You can repay at any time, subject to a three month interest penalty.

If you wish to continue to maximize your available AccordAccess credit, you can apply to re-advance up to your previous credit limit (or apply to increase your limit) once 50% of your original loan term is completed. Your new AccordAccess loan will pay out your old one, with the balance re-advanced as a new loan.

Pricing Structure

We aim to be the most transparent business lender in Canada - there are no fees other than the lender fee and interest rate clearly outlined in the loan agreement. And unlike your bank and other lenders, we won't ask for your home, car, equipment or your credit card receipts as collateral - your good character is enough. Our pricing takes this, and the very short term, into account.

Our aim is to offer rates comparable to a corporate credit card. Speak to your representative about the details.

How to Apply

Click Apply Now to get started.

Or choose one of the two options below.

By Email or Fax

Download and print the AccordAccess Application Form
Complete the application form and attach your last three complete months of bank statements (you can download using your online banking). If you have overdraft protection or a credit line attached to your account, send us your statement or include details on that as well
Email the information to or fax it to 1-888-835-9757.

Fill Out our Online or Mobile Applications

Complete the online application form and submit
We will contact you to acknowledge receipt of your application and will send you an email link to send us a copy of your last three months of bank statements
Upon receipt of your information, we'll get back to you within 8 business hours with the results of your application.

Note: Regardless of how you apply, if you have financial statements prepared by an outside accountant (CPA, CA, CGA, CMA) that are 6 months old or less, you may submit them instead of your last three months bank statements.