Rates set under federal law
Every loan respects the maximum rate allowed under Canada's Interest Act and the Criminal Code. No exceptions.
Small business loans, private loans and mortgages for Canadians who need a direct, transparent alternative to the banks. Every rate is disclosed in full before you sign anything.
NorthGate funds small business loans, private loans and mortgages from our own capital. Your file is reviewed by the people who approve it, not passed to a head office or a syndicate of investors.
Every loan respects the maximum rate allowed under Canada's Interest Act and the Criminal Code. No exceptions, and no rate you haven't seen in writing.
Canadian-owned and operated, we build every product around Canadian lending law rather than a foreign parent company's playbook.
Whatever the need — capital to run a business, a personal loan against real assets, or a mortgage a bank won't move fast enough on — we structure it directly and explain it plainly.
We look at the whole picture: your assets, your plan and your timeline, not just a credit score. That means faster answers and terms that fit the deal in front of you.
Learn more ↗We fund from our own capital, so the people reviewing your file are the people deciding on it. You see your exact rate, fees and repayment terms in writing before you commit to anything.
Every loan respects the maximum rate allowed under Canada's Interest Act and the Criminal Code. No exceptions.
Most applications receive a written decision within [X] business days of a complete submission. Our underwriters assess your file, so your answer doesn't wait on a head office or a committee. We fund from our own capital and return clear terms: rate, fees and repayment, all in writing.
You see your exact rate, fees and repayment terms in writing before you sign. Nothing new gets added between quote and closing.
NorthGate structures financing around what is actually happening: a business that needs equipment before a busy season, a purchase that a bank couldn't close in time, or an investor ready to refinance.
We keep you informed at every stage. No portals that go quiet for weeks — you'll always know where your file stands.
Working capital, equipment financing and expansion loans for small Canadian businesses that need a decision in days, not months. Flexible repayment, no hidden origination surprises.
Short-term, asset-backed private loans for people facing timelines or circumstances traditional banks can't accommodate. Funding in as little as [X] business days; past credit issues considered.
First and second mortgages, bridge financing and refinancing for homeowners and property investors across Canada. Financing up to [XX]% loan-to-value on residential and investment property.
Tell us what you need financed and share basic financials — online or by phone, in just a few minutes.
Our underwriters assess your file and return clear terms: rate, fees and repayment, in writing.
Confirm the terms and provide any remaining documentation. Nothing new gets added late.
Funds are released directly, on the timeline we committed to at offer stage.
Every rate we offer complies with the Interest Act and the criminal interest rate limit set out in the Criminal Code of Canada. Your specific rate depends on loan type, term, and security offered, and is disclosed in full, in writing, before you sign.
We work with Canadian small businesses, individual borrowers, and property owners who need faster or more flexible terms than a traditional bank can offer — including applicants who have been declined elsewhere.
Most applicants receive a decision within [X] business days of submitting a complete application. Funding timelines vary by product: private loans can close in as little as [X] business days, while mortgages take longer due to registration and legal review.
No. Every rate, fee, and repayment term is disclosed in writing before you commit. What you’re quoted at offer stage is what you sign at closing.
Working capital, equipment, business expansion, debt consolidation, bridge financing between property transactions, and other legitimate business or personal financing needs.
[Placeholder — confirm the provinces and territories Northgate Lending is licensed and able to serve before publishing.]
Tell us what you need and a member of our lending team will follow up with clear, written terms. There's no obligation to proceed.
Whether it's a business loan, a private loan or a mortgage, you'll speak with someone who can actually make the decision.