Commercial Lending, Simplified.

FiFlows brings standardization to the commercial lending process.

Faster Process

Companies apply when it fits their schedule. They aren't required to step foot in a branch until they have Term Sheets in-hand and are selecting a lender.

Optimized Applications

We advise on a feasible range of deal structures based on lender metrics, then build applications for each lender to best achieve those ends.

Everybody Wins

Our process is better for companies and lenders. Quicker applications for companies, quicker deal evaluation for lenders.

Our Focus

Understand. Optimize. Deliver.

Commercial Lending
In Canada, companies borrowing between $500,000 to $25,000,000** are evaluated as Commercial Borrowers where the primary source of repayment is the future cashflows of the company.

** Range Varies between Lenders

The Status Quo
Companies meet with Lenders teach them about their company and submit financial information. Lenders evaluate these factors based on internal credit guidelines to determine whether or not a loan will be approved. This process can take multiple meetings and stretch multiple weeks.
FiFlows Optimization
We simplify the process by aggregating the right information from the applicant. We analyze and structure it as each lender would. And we submit separate applications to all lenders simultaneously. With their initial diligence completed.

Raw Company


One APplication. Every Option.

We are a value-adding middle layer that delivers access to options, lender competition, and we don’t require payment until the job is complete.
Our PRocess

Understand. Optimize. Deliver.

1. Assess

A quick 5-10 question form to determine the set of viable lenders.

2. Apply

We build and deliver a custom application within 24 hours.

3. Engage

We engage all lenders simultaneously and let the best fit for our client emerge

Frequently asked questions

Every step of the Loan Application process is optimized.

The status quo is tough: Looking for lender options, trying to get a meeting with the right person, having that introductory meeting, going back and fourth on information requirements… just so you can wait a really long time for them to underdeliver on the Term Sheet.

We have a clear online process that can be done on your time, from your office. We set expectations appropriately. And we engage EVERY selected lender simultaneously.

We secure lending facilities for your clients. We do it quickly. And we give them a much better experience than knocking on a bank’s door. We also pay a referral fee or donate to your preferred local cause.

At launch we are open to work with any Commercial Banking client. This typically includes any business borrowing $500,000 – $25,000,000 but varies, so get in touch and we will give feedback quick.

Once engaged we:

1. Understand the deal/company through the company’s choice of an online form or on-boarding phone call.

2. Build the deal application

3. Analyze and build a proposal

4. Engage lenders with individualized applications.

5. Share feedback with clients and arrange for intro meetings with all potential lenders.

6. Remain available to help Business owners evaluate and choose a lending partner.

We charge an application fee that is deal specific and outlined in our deal summary and feedback to the client. We try to keep our one-time fee <0.5% of the transaction total. Feedback has indidcated that the competitive environment for lenders often sees overall rate savings exceed that 0.5% hurdle on an annual basis. On a 25 year loan those savings are significant.

Help your clients access capital
220 20th Street West
Saskatoon, SK S7M 0W9
Contact us
Phone: 1 306 850 2342
Scroll to Top