One Application. Every Option

Quicker than it takes to apply with one lender. We apply everywhere.

Focus on Your Business. We’ll Find the Banker.

Fiflows accelerates the application process for business owners by translating their information into the type of inputs that lenders require. We identify and mitigate any potential issues, provide quick feedback, and then engage all lenders simultaneously.


Companies apply digitally when it fits their schedule and then evaluate Term Sheets from lenders before engaging with them directly.

Optimized Applications

We do the analytical legwork to provide immediate feedback to companies and to ensure that lenders can evaluate it quickly.

Better Lending Terms

We engage every available lender motivating competitive pressure on Terms & Conditions.

Our PRocess

Understand. Optimize. Deliver.

By understanding the business goal we help find deal structures and lenders that makes that outcome most likely. By doing the leg work before approaching lenders we ensure fast turn around and optimal results.

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 – $20,000,000 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.

220 20th Street West
Saskatoon, SK S7M 0W9
Contact us
Scroll to Top