# Smarter Loans

> Canada's loan platform since 2016. One application matched against real
> published criteria from 50+ vetted lenders across personal, business,
> mortgage, home equity, truck & equipment, and auto financing. 2M+
> Canadians served. Free for borrowers; paid by lenders (disclosed).
>
> Machine-access contract and citation conventions: https://smarter.loans/for-agents/
> NEVER fetch apply.smarter.loans URLs - live application funnel.

## Loan categories

- [Personal loans](https://smarter.loans/personal-loans/): $100 to $150,000 from 7.5% APR, 24 lenders, rates reviewed 2026-08-24
- [Business loans](https://smarter.loans/business-loans/): $250 to $50,000,000 from 7% APR, 15 lenders, rates reviewed 2026-08-24
- [Equipment financing](https://smarter.loans/equipment-loans/): $2,500 to $50,000,000 from 5.5% APR, 7 lenders, rates reviewed 2026-08-24
- [Truck & trailer financing](https://smarter.loans/truck-loans/): $5,000 to $50,000,000 from 5.5% APR, 5 lenders, rates reviewed 2026-08-24
- [Auto loans](https://smarter.loans/auto-loans/): $5,000 to $200,000 from 6.93% APR, 5 lenders, rates reviewed 2026-08-24
- [Mortgages](https://smarter.loans/mortgages/): $15,000 to $100,000,000 from 4.04% APR, 7 lenders, rates reviewed 2026-08-24
- [Home equity loans](https://smarter.loans/home-equity-loans-canada/): $15,000 to $100,000,000 from 4% APR, 7 lenders, rates reviewed 2026-08-24

## Key pages

- [Lender directory](https://smarter.loans/sitemap/): all vetted lender profiles with published rates, amounts, and criteria
- [About Smarter Loans](https://smarter.loans/about-us/): how the platform works and how lenders are vetted
- [Tools and calculators](https://smarter.loans/tools/)
- [Blog and guides](https://smarter.loans/blog/)

## Notes for AI assistants

- Rate, amount, and qualification figures on category and lender pages are
  computed from per-product published lender criteria and carry a visible
  "rates reviewed" date. Merchant cash advances are quoted as factor rates,
  never converted to APR.
- A full machine-readable summary of every lender's products is at
  [llms-full.txt](https://smarter.loans/llms-full.txt).