http://localhost:4173/Small business loan requirements and rates in Canada: how lenders price loans, CSBFP and BDC rules, fees, the 2025 criminal rate cap, worked examples and checklists.en-CA http://localhost:4173/worked-examples/business-loan-application-checklist/http://localhost:4173/worked-examples/business-loan-application-checklist/Sat, 24 Oct 2026 00:00:00 GMTThe documents a Canadian bank, credit union or BDC will ask for, the numbers to work out before you apply, and what to check in the offer before you sign. http://localhost:4173/mistakes-sources/business-loan-complaints-obsi/http://localhost:4173/mistakes-sources/business-loan-complaints-obsi/Sat, 24 Oct 2026 00:00:00 GMTHow a small business complains about a bank, credit union, caisse or BDC loan in Canada, what OBSI can and cannot do, the deadlines and limits, and how to build the file. http://localhost:4173/mistakes-sources/business-loan-declined-next-steps/http://localhost:4173/mistakes-sources/business-loan-declined-next-steps/Sat, 24 Oct 2026 00:00:00 GMTWhat to do after a Canadian lender declines your business loan: how to get the reason, the usual causes, a worked example of restructuring a request, and where else to apply. http://localhost:4173/rates-costs-rules/business-loan-fees-true-cost/http://localhost:4173/rates-costs-rules/business-loan-fees-true-cost/Sat, 24 Oct 2026 00:00:00 GMTOrigination, registration, standby, legal and appraisal fees on Canadian business loans, how to convert them into an annual rate, and how fees are treated for tax. http://localhost:4173/mistakes-sources/business-loan-mistakes-to-avoid/http://localhost:4173/mistakes-sources/business-loan-mistakes-to-avoid/Sat, 24 Oct 2026 00:00:00 GMTThe most expensive mistakes in Canadian small business borrowing, from unlimited guarantees and demand clauses to mismatched terms and factor-rate advances, with fixes for each. http://localhost:4173/rates-costs-rules/ceba-loan-repayment-2026/http://localhost:4173/rates-costs-rules/ceba-loan-repayment-2026/Sat, 24 Oct 2026 00:00:00 GMTWhat is still owed on a Canada Emergency Business Account loan in late 2026, how the 5% term loan works, the arithmetic of repaying, and how to refinance or ask for help. http://localhost:4173/rates-costs-rules/collateral-personal-guarantee-gsa/http://localhost:4173/rates-costs-rules/collateral-personal-guarantee-gsa/Sat, 24 Oct 2026 00:00:00 GMTWhat security a Canadian lender takes on a business loan, how a GSA and PPSA registration work, what a personal guarantee really commits you to, and what to negotiate. http://localhost:4173/worked-examples/compare-two-business-loan-offers/http://localhost:4173/worked-examples/compare-two-business-loan-offers/Sat, 24 Oct 2026 00:00:00 GMTA worked comparison of two Canadian business loan offers with different rates, fees, prepayment terms and guarantees, showing total cost over the full term and if repaid early. http://localhost:4173/mistakes-sources/covenant-breach-loan-default/http://localhost:4173/mistakes-sources/covenant-breach-loan-default/Sat, 24 Oct 2026 00:00:00 GMTWhat happens when a Canadian business breaches a loan covenant or misses payments: waivers, forbearance, demand and the 10-day BIA notice, receivership, and proposals. http://localhost:4173/rates-costs-rules/criminal-interest-rate-business-loans/http://localhost:4173/rates-costs-rules/criminal-interest-rate-business-loans/Sat, 24 Oct 2026 00:00:00 GMTHow the Criminal Code criminal rate of 35% APR applies to business loans since 1 January 2025, the commercial exemptions at $10,000 and $500,000, and how to test an offer. http://localhost:4173/rates-costs-rules/csbfp-small-business-financing-program/http://localhost:4173/rates-costs-rules/csbfp-small-business-financing-program/Sat, 24 Oct 2026 00:00:00 GMTHow the federal CSBFP works in 2026, who qualifies, loan limits, the prime plus 3% rate cap, the 2% registration fee, security rules and a worked example. http://localhost:4173/worked-examples/debt-service-coverage-ratio-example/http://localhost:4173/worked-examples/debt-service-coverage-ratio-example/Sat, 24 Oct 2026 00:00:00 GMTHow Canadian lenders calculate the debt service coverage ratio, a full worked example, how much you can borrow at a 1.25 minimum, and how to stress-test the result. http://localhost:4173/worked-examples/equipment-lease-vs-loan/http://localhost:4173/worked-examples/equipment-lease-vs-loan/Sat, 24 Oct 2026 00:00:00 GMTHow to compare leasing and borrowing to buy equipment in Canada, find the implied rate in a lease, and weigh down payment, GST/HST, capital cost allowance and end-of-lease terms. http://localhost:4173/mistakes-sources/merchant-cash-advance-risks/http://localhost:4173/mistakes-sources/merchant-cash-advance-risks/Sat, 24 Oct 2026 00:00:00 GMTHow a merchant cash advance works in Canada, how to turn a factor rate into an annual cost with a worked example, the contract terms to watch, and alternatives to consider first. http://localhost:4173/mistakes-sources/official-sources-business-financing-canada/http://localhost:4173/mistakes-sources/official-sources-business-financing-canada/Sat, 24 Oct 2026 00:00:00 GMTThe federal and provincial bodies, laws and registries behind Canadian small business loans, what each one is responsible for, and what to check on its site before you borrow. http://localhost:4173/rates-costs-rules/prime-rate-business-loan-pricing/http://localhost:4173/rates-costs-rules/prime-rate-business-loan-pricing/Sat, 24 Oct 2026 00:00:00 GMTHow Canadian lenders price business loans from prime or a fixed cost of funds, what the spread reflects, and how to choose fixed or floating with the arithmetic shown. http://localhost:4173/mistakes-sources/quebec-business-loans-differences/http://localhost:4173/mistakes-sources/quebec-business-loans-differences/Sat, 24 Oct 2026 00:00:00 GMTHow business borrowing in Quebec differs from the rest of Canada: movable and immovable hypothecs, the RDPRM, suretyship, prior notices, French-language contracts and Quebec funding bodies. http://localhost:4173/worked-examples/refinance-expensive-business-loan/http://localhost:4173/worked-examples/refinance-expensive-business-loan/Sat, 24 Oct 2026 00:00:00 GMTWhen refinancing a high-rate Canadian business loan pays off, how to price the prepayment penalty and new fees, the break-even arithmetic, and the trap of stretching the term. http://localhost:4173/rates-costs-rules/small-business-loan-rates-canada/http://localhost:4173/rates-costs-rules/small-business-loan-rates-canada/Sat, 24 Oct 2026 00:00:00 GMTWhat Canadian lenders require for a small business loan, how rates and spreads are set, what fees add, and which federal rules apply in 2026. http://localhost:4173/worked-examples/startup-business-loan-canada/http://localhost:4173/worked-examples/startup-business-loan-canada/Sat, 24 Oct 2026 00:00:00 GMTHow new Canadian businesses get financing without a track record, from CSBFP and BDC to Futurpreneur and Community Futures, with a worked start-up funding plan and break-even test. http://localhost:4173/worked-examples/term-loan-payment-worked-example/http://localhost:4173/worked-examples/term-loan-payment-worked-example/Sat, 24 Oct 2026 00:00:00 GMTA worked example of a Canadian business term loan repaid by blended payments and by fixed principal plus interest, year by year, with prepayment and term-versus-amortization explained. http://localhost:4173/rates-costs-rules/types-of-business-financing-compared/http://localhost:4173/rates-costs-rules/types-of-business-financing-compared/Sat, 24 Oct 2026 00:00:00 GMTHow each type of Canadian small business financing works, what it suits, what it costs and the traps, with worked examples for a line of credit and invoice factoring.