YOUR SITUATION. YOUR NEXT STEP.
Explore Canadian options
Explore Canadian debt support, borrowing, credit rebuilding and business help.
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EXPLORE AT YOUR OWN PACE
Start with what you want to change.
Understand an option, or start with a few questions about your situation.
Debt help
Make repayments more manageable
Start with your budget, balances and the support you need.
Repayment planning
Start with a clear picture of your balances, essential expenses and repayments.
Understand this optionCredit counselling
A counsellor can review your finances and explain debt-management choices.
Understand this optionDebt management plans
A voluntary arrangement through a counsellor to repay participating creditors over time.
Understand this optionUnderstand formal debt solutions
Learn what to discuss with a Licensed Insolvency Trustee.
Get specific guidance
Different debts and provincial processes need different questions.
CRA tax-debt help
Explore payment arrangements and the official resources for an amount owed to the CRA.
Understand this optionStudent-loan repayment help
Government repayment assistance may help eligible borrowers experiencing financial difficulty.
Understand this optionQuébec voluntary deposit
A Québec procedure for making payments to creditors according to its rules.
Understand this optionBorrowing
Explore combining balances
Compare the full cost of repayment, not just the monthly payment.
Borrow for an expense
Start with the amount, purpose and payments you want to understand.
Your home or vehicle
Purchase and refinancing are different enquiries. Choose your goal.
Home-equity loans and refinancing
Explore borrowing secured against the equity in your home.
Understand this optionHome equity lines of credit
A revolving credit facility secured against a home.
Understand this optionCar purchase financing
Compare ways to finance a vehicle purchase.
Understand this optionExisting car-loan refinancing
Explore whether an existing vehicle loan can be replaced with different financing.
Understand this optionCredit
Something on your report looks wrong
Understand the issue and the correction process.
Build a stronger credit foundation
Explore practical steps and understand any product costs.
Business
Fund operations or growth
Explore financing for the business need you have in mind.
Small-business loans
Finance a defined business need through an appropriate commercial lender.
Understand this optionWorking-capital financing
Explore financing for day-to-day operations and the timing of business cash flows.
Understand this optionEquipment financing
Explore financing for equipment used by the business.
Understand this optionInvoice factoring
Sell eligible receivables to a factoring provider to access cash.
Understand this optionAsset-based lending
Use eligible business assets as collateral for financing.
Understand this optionAddress existing business debt
Refinancing, turnaround guidance and formal restructuring are distinct paths.
Business debt refinancing
Explore changes to existing business debt or consolidation into different financing.
Understand this optionBusiness turnaround and debt help
Review business difficulties, viability and options for changing existing obligations.
Understand this optionBusiness Division I proposals
A formal proposal procedure available to businesses and individuals.
Understand this optionBusiness tax-arrears help
Identify the type of tax obligation and the appropriate payment or professional-help path.
Understand this option