Keep Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan
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Three questions checked against Keep's published criteria, per product. No application started.
Keep clears most businesses at six months and a 560 score, but a construction company faces a different bar: a million in annual revenue and three years of history.
Construction businesses face their own tier: a million dollars or more in annual revenue and at least three years of operation, where every other industry clears at six months. The published criteria name no second exception.
The business must be registered in Canada excluding Quebec. The exclusion sits on the registration itself rather than on an address, so a Quebec entity operating elsewhere still falls outside it.
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3 reviews from borrowers who used Keep. Each is submitted by a verified borrower and moderated for authenticity; it renders as written, positive or not, and lenders cannot remove it.
I moved to Keep last year. Great customer service and very progressive credit products. Highly recommend them.
Great credit card and very useful option to access a large sum as working capital to invest into the business. Easy online process and great service all around. Thanks Keep!
Approval process was quick and customer service was outstanding.
Keep is a modern financial platform designed for Canadian businesses, offering a business credit card and access to working capital through flexible, fast financing options.
Keep provides two main products: a corporate business credit card with spend management tools, and working capital loans of up to $1 million.
Businesses must be registered in Canada (excluding Quebec), have been operating for at least six months, show at least six months of financial activity, and be in good standing. Finance-related industries are excluded.
Construction businesses must have been active for at least three years and generate over $1 million in annual revenue.
Interest rates start at 2% per month, depending on your business profile and creditworthiness.
Businesses can apply for funding from $1,000 to $1,500,000, with terms ranging from 1 to 12 months.
The online application takes less than 15 minutes, with approvals typically issued within 48 hours.
Funds are usually deposited in your Keep platform account within 24 hours of approval.
Loan repayments are automatically debited monthly from the business’s primary bank account. For capital plans, businesses can manage payments directly through the Keep dashboard.
No. Reviewing offers does not impact your personal credit score. However, accepting a loan may result in a hard credit inquiry.
