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Self-employed

T2125, dividends, incorporated? Your file deserves a broker who gets it.

Traditional lenders look at salaried income and often reject self-employed files. A specialized AMF-licensed broker knows which lines to count, which lenders speak your language, and how to present your history.

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This page is for you if

  • You run a sole proprietorship, inc., or partnership.
  • Your income shows as T2125, dividends, or on CRA notices of assessment.
  • Your last application was declined even though business is healthy.
  • You need a broker who speaks to BDC, First National, MCAP, Equitable or Home Trust when the bank says no.

How it works

  1. Answer a few short questions

    2 to 3 minutes. We never ask for a target rate, your SIN, or an exact credit score.

  2. Brief qualification call

    An agent from our partner calls to clarify your situation. The call is recorded (with notice), your data stays in Canada.

  3. An AMF-licensed broker calls you back

    A broker licensed by the Autorité des marchés financiers takes over. They're the one advising you — not Courteo.

Frequently asked questions

  • What documents will the broker ask for?

    Typically: last 2 T1 returns with T2125 or financial statements, last 2 CRA notices of assessment, bank statements. For an inc. file: corporate financial statements. You can upload them via the secure link we send.

  • Will I be pushed toward an alternative lender?

    No. The broker always starts by checking if an A-lender (banks, credit unions, monolines) accepts your file. B-lenders or private are only proposed if needed, with conditions explained.

  • I'm incorporated with low personal income. Is that a problem?

    Not systematically. Some lenders look at pre-tax business income or shareholder draws. A specialized broker knows which lender to approach based on your structure.

  • How long does it take?

    A self-employed file requires more documentation; expect 3 to 10 business days for an approval, depending on complexity. A renewal is faster than a new purchase.

Why trust us

  • Your data is hosted in Quebec and Canada.
  • You can access, correct, or erase your information at any time (Quebec Law 25).
  • No marketing messages without your consent. We honour the national do-not-call list.
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