The lowest-cost capital available — backed by the Government of Canada.
Government-guaranteed loans under the Canada Small Business Financing Program (CSBFP), delivered through our partner banks and credit unions. Capped rates, longer terms, and structured for businesses ready to invest in long-term growth.
The lowest-cost commercial capital available, backed by the Government of Canada.
CSBFP loans are the best-priced commercial debt available to Canadian small businesses: rates capped by the program, terms up to 15 years, and structured for businesses ready to invest in long-term growth.
Higher documentation bar — but our CSBFP specialists walk you through every form and stay ahead of every underwriting question.
Funding tailored to your business needs
Our csbfp loan offers rapid, transparent financing to fuel your strategic goals.
Rates capped at prime + 3%
CSBFP pricing is capped by the program — floating rates at prime + 3%, all in CAD. Government backing keeps this among the lowest-cost commercial capital in Canada.
Terms up to 15 years
Match your repayment to the useful life of what you’re buying — commercial real property, equipment, and leasehold improvements all qualify for terms up to 15 years.
Specialist support on the docs
CSBFP loans have a higher documentation bar. A dedicated North Lending CSBFP specialist walks you through each form and gathers what underwriters actually need.
Real property, equipment, and working capital
The program covers commercial real property (up to $1M), equipment and leasehold improvements (up to $500K), and intangibles and working capital (up to $150K) — plus CSBF lines of credit up to $150K.
Businesses succeed with North Lending
“North Lending got us through the CSBFP in three weeks — half what our bank quoted. The specialist knew every form by heart and stayed ahead of every underwriting question.”
“If you are a business that is looking for funding, I would recommend that you reach out to North Lending. It is so much easier, so much faster, and more of a partner with your business.”
“It was fast. It was easy. We had the kind of personalized service from a financing lender that we'd never experienced before.”
A transparent approach to business funding
North Lending's portal gives you complete visibility and control over your funding options. No hidden terms — just clear choices designed for your business.
Pre-qualify in two minutes
A quick online intake confirms whether the CSBFP is the right fit. We screen for time-in-business, revenue, and credit thresholds before we ask for docs.
Start ApplicationDocument checklist, organized for you
Your portal shows exactly which forms and statements underwriters need. Upload, get marked complete, move forward — no email chains.
See your offersCSBFP specialist drives the process
A dedicated advisor handles lender selection, underwriting questions, and the program-side registration. You focus on running the business; we drive the loan.
Talk to an advisorClose and fund — typically 2–4 weeks
CSBFP timelines are longer than alternative lending, but predictable. We project a close date at week one and hit it.
Get fundedCSBFP Loan
FAQs
Quick answers on rates, structure, and timing. Still have a question? Talk to a specialist.
- The Government of Canada guarantees the majority of the loan to the lender, which lowers the lender’s risk — and the program caps the rate you can be charged (floating at prime + 3%). That’s what makes the pricing possible.
- Typically 2–4 weeks from application to funding. The North Lending specialist drives the timeline; you’ll have a projected close date in week one.
- You must be a for-profit business operating in Canada with gross annual revenue of $10M or less. Generally we also look for 2+ years in business, demonstrated profitability or strong growth, and an owner with 680+ personal credit. We pre-screen so you know if you qualify before spending time on docs.
- Yes — up to $1M of the program maximum can go toward purchasing or improving commercial real property your business operates from, with terms up to 15 years.
- The CSBFP carries a one-time 2% federal registration fee, which can be financed as part of the loan. Prepayment terms are set by the individual lender — your specialist flags them upfront on every offer.
Why are CSBFP loans cheaper than other options?+
How long does a CSBFP loan take to close?+
What do I need to qualify?+
Can CSBFP loans be used for real estate?+
Are there program fees?+
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.