Does a Business Loan Affect Personal Credit?

A man in an office watching his online credit score rating on a tablet

Small business owners often find themselves at the crossroads of personal and professional finances, particularly when seeking to expand their operations.  Entrepreneurs navigating the complexities of credit inevitably ponder over how this decision will ripple across their personal financial landscape. A business loan can affect your personal credit but may not always do so, depending […]

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I Accidentally Got too Much CERB: What Now?

The Canada Emergency Response Benefit (CERB) has been closed for several months now, but some may still be dealing with the complications. If you’ve received unintended CERB payments, a financial advisor can help you determine your best options, and provide needed support if you’re having difficulties managing repayment. Learn more about what to do if […]

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How to Get a Business Loan

A rubber stamp that says "loan approved."

As an aspiring entrepreneur or a seasoned business owner, you’re probably familiar with the adage that you need money to make money. The truth is that financial capital isn’t just a useful resource—it’s the lifeblood of your business, fueling growth, innovation, and day-to-day operations. Navigating the labyrinth of business loans can be daunting. But if […]

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5 Personal Loan Requirements to Know Before Applying

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Taking the first step into exploring personal loans can feel like a daunting journey. But understanding the requirements and qualifications for personal loans can help you prepare and increase the chances of getting approved. Here are 5 requirements you should prepare before applying: We want to demystify the process so you know what you’re looking […]

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Tips to Prevent Fraud

A close-up of someone holding a smartphone with a SCAM! warning message in red text across the screen

According to a recent Equifax survey, 97% of Canadians feel vulnerable to fraudsters and identity theft, and with good reason. With the increasing reliance on technology and online transactions, the risk of falling victim to these scams has grown significantly. Unfortunately, anyone can become a target for fraud, regardless of their financial situation—whether through email […]

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The Real Costs of Buy Now Pay Later

Close-up of a brown sack labelled "LOAN" sitting on a laptop

In a post-pandemic climate marked by inflation and escalating interest rates, many Canadians are embracing buy now, pay later (BNPL) payment plans.  These payment methods are short-term financing plans that allow consumers to pay for purchases in installments (primarily online) instead of the total amount upfront, usually interest-free. For those facing financial constraints, BNPL can […]

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