Get up to $1,500 into your bank account in 30* minutes!

How The Loan Process Works


Apply Online

Applying with Focus Financial is fast and easy, simply fill out our secure and easy application form.


Get Approved

Get approved for a loan in as little as 30* minutes during our regularly scheduled business hours.


  Instant Funding

Once approved, you can receive the funds via E-Mail transfer within 30 minutes*.

Why should you loan with Focus Financial? 

Trusted Lender

We have been supplying Canadians with short term loans for the past 10 years, come see why we are the preferred payday loan provider. 

Quality Customer Service

Got any questions? Please call or email us right away and our staff will guide you through the way.

High Approval Rate

Every application is based on a per person basis and all circumstances are taken in to consideration.            

Fast Turn Around

We strive to process your loans application within minutes and get the money you need right away.

No Faxing Required

Send us your documents the fastest way possible by using our online verification.

Easily Apply Online

In less than 5 minutes your application can be submitted to be processed for your same day loan.

It Is Possible To Get Small Loans for Bad Credit in Canada

If you have a small business that you have been running and you need to apply for a loan so that you are in a position to improve the status of your small business, it is possible to apply for a long term loan so that you can have a lot of ease when you are paying the loan back to the lender. The short term loans are not so good for a person with a small business because paying it may be a bit difficult and challenging as the time span given is not enough to recover the money loaned. There are small loans for bad credit persons available from sub prime lenders who have no problem with your credit history, so all you need to do is to find yourself a lender.
The good thing about small loans for bad credit individuals is the fact that they are long term loans that you as the borrower decides for yourself the time that you feel you will be comfortable enough to pay for the loan you applied for plus the interest that comes with it. Your condition is put in to consideration with this kind of loan, and you will be at peace paying for your loan after you have improved the condition of your small scale business to a higher level.

The Two Options for Getting Small Loans for Bad Credit From A Sub Prime Lender

Picture of Small Loans for Bad CreditWhen you apply for a small loan with a bad credit history, the lender will not deny you the opportunity to get a loan. There are two options that you have to choose from when applying for this loan, and this is the secured and the unsecured loans altogether. The two options are being practiced by almost every lender but most of them settle for one for the sake of having some sort of ease knowing that if you do not manage to pay your loan back, they will have an asset that they can sell which is equivalent to the loan given.
This is the secured loan option. In this option, the small loans for bad credit persons are given the loan only under the condition that they have an asset which they can give to serve as collateral before they are able to pay off the loan to the lender. This is the most used option because the lender knows they are running a risk by giving you a loan and you still have a bad credit history, so they need an asset under your ownership which they will use as bait in case you fail to pay back the loan that they lent to you despite your bad credit history.
The second option is the unsecured loan. This choice is not used by many lenders and chances of you getting small loans for bad credit are close to nil if you apply with this option. No sub prime lender wants to suffer the risk of losing the money they are giving you because they have not secured the loan with anything but they have just given you their money like that. This option will not allow you to get a loan easily and it will also seem it is like you are assuming the responsibility of paying your loan debts in the future.
Since you will be paying your loan with a lot of ease in the future, it is important that you use the secured loan option where you will only give an asset for sometime before you pay your loan plus the interest and then get your asset back after payment. The small loans for bad credit persons are even better as there is no reason to hurry with the payments since they are long term.

Small Loans for Bad Credit Video