Terms of Service for Loancero

Last updated October 14, 2026

Important: Read This Section First

Loancero is a Canadian lead-generation company that connects business owners with multiple lenders. We match the information you submit through loancero.ca with suitable business loan options to help Canadian business owners find the financing that best fits their needs.

Loancero is not a lender, does not make loans, and does not make credit decisions. We do not guarantee approval, funding, rates, fees, repayment terms, or any particular loan offer. Submitting an application does not guarantee approval.

When you submit an application, we may send your information to participating lenders, lending networks, and financial-service providers. Those providers may independently review your information, contact you, and present offers. Each provider is responsible for its own eligibility criteria, underwriting, loan documents, terms, disclosures, licensing, and privacy practices. Any rate, term, and amount offered is set by the lender and depends on the information in your application. You are not required to accept any offer.

1. Eligibility

To apply through the Services, you must:

Live in Canada
Be 19 years of age or older
Operate a Canadian business
Be legally able to enter into a binding agreement

By using the Services, you represent that the information you provide is accurate, current, and complete and that you will update it when necessary.

Lenders may impose additional eligibility requirements, including requirements based on annual revenue (typically $120,000+), time in business (minimum 6 months), industry, bankruptcy status, location, identity, credit profile, or ability to repay. Meeting the requirements to use the Services does not mean that you qualify for a loan.

2. The Site and How the Application Works

Loancero.ca includes a home page with an online application, an About Us page, a Privacy Policy, these Terms, and a Contact Us page.

Typical information collected in the application includes:

Desired loan amount ($5,000 – $800,000)
Loan purpose / use of funds
Business name and details
Annual revenue
Time in business
Industry
Bankruptcy status of your business (Yes / No)
Contact information (name, email, phone)
Other business-related details needed by lenders

Your answers are sent over an encrypted connection. When you submit your completed application, we send your information to one or more participating lenders and lending partners. Lending partners review your information and may contact you with next steps.

We do not charge you a fee to submit an application through the Services. Loancero may change, suspend, or discontinue any part of the Services at any time. We do not guarantee that a lender, offer, product, or service will be available to you.

3. Loan Terms Disclosure

Loan amounts: $5,000 – $800,000. Flexible repayment terms are available. Interest rates typically range from 8% to 29%, depending on your business’s revenue, time in business, credit profile, loan amount, term, and the lender.

Loancero does not promote payday loans, paycheck advances, or any loan that requires repayment in full within 90 days or less.

4. No Loan, Credit, or Financial Advice

Loancero does not provide financial, credit, tax, legal, or investment advice. Information on the Services is for general informational purposes and is not a recommendation to borrow or accept any offer.

Any rate, payment, amount, term, fee, approval statement, or other offer shown or communicated by a participating provider is subject to that provider’s review and final documentation. Review all lender disclosures and agreements carefully before accepting an offer.

5. Loan Offers, Compensation, and Provider Relationships

Loancero may receive compensation from participating lenders, lending networks, or service providers for referrals, leads, advertising, or other services. Compensation may influence which providers or offers are displayed or routed through the Services. It does not determine whether a provider approves an application or the terms of a provider’s offer.

Loancero does not represent that any lender will offer the lowest rate, the best terms, the fastest funding, or a product suitable for your circumstances. We do not guarantee that you will receive multiple offers or any offer.

If you continue to a third-party provider, you may leave the Services and become subject to that provider’s terms, privacy policy, consent requirements, and disclosures. Loancero is not responsible for a provider’s decision, conduct, website, products, communications, or services.

6. Prohibited Conduct

You may not use the Services to:

Provide false, misleading, stolen, or unauthorized information
Apply on behalf of another person or business without authorization
Misrepresent your identity, business details, revenue, time in business, bankruptcy status, or other financial information
Attempt to obtain a loan through fraud or deception
Interfere with the security or operation of the Services
Use automated systems to access, scrape, copy, or monitor the Services without our written permission
Introduce malware, harmful code, or content that violates another person’s rights
Use the Services for an unlawful purpose

7. Application Information and Verification

You authorize Loancero and its service providers to collect, use, verify, and transmit the information you submit, including business details, annual revenue, time in business, industry, and bankruptcy status, as described in our Privacy Policy. You are responsible for ensuring that submitted information is accurate.

We may request additional information to verify identity, prevent fraud, complete a request, or comply with legal requirements. We may decline to process a request or restrict access if information appears inaccurate, incomplete, fraudulent, or unauthorized.

8. How We Contact You

By submitting an application, you agree that Loancero and its network of lenders and marketing partners may contact you by phone, SMS, or email regarding your request, even if you are on a do-not-call list (subject to applicable Canadian laws).

Consent to receive marketing or promotional messages is optional and is not a condition of submitting an application. You may withdraw your consent or opt out of marketing communications at any time.

9. Electronic Communications and Signatures

You agree that we may provide notices, disclosures, records, and other communications electronically where permitted by law. An electronic submission, checkbox, click, or signature may have the same legal effect as a written signature where permitted by law.

10. Privacy

Our collection and use of personal information are described in the Loancero Privacy Policy available at https://loancero.ca/privacy. By using the Services, you acknowledge that information may be shared with participating lenders, lending networks, financial-service providers, and service providers as described in the Privacy Policy.

11. Advertising and Platform Compliance

Loancero’s advertisements and landing pages are intended to describe the Services accurately. We do not make claims that guarantee approval, promise a specific rate, or misrepresent a viewer’s personal or business financial condition.

12. Intellectual Property

All content, trademarks, logos, and materials on the Site are owned by or licensed to Loancero and are protected by applicable intellectual property laws. You may not copy, modify, distribute, or use any content without our prior written permission.

13. Disclaimer of Warranties

The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied. Loancero does not warrant that the Services will be uninterrupted, error-free, or free of viruses or other harmful components.

14. Limitation of Liability

To the maximum extent permitted by Canadian law, Loancero and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services.

15. Indemnification

You agree to indemnify and hold harmless Loancero and its affiliates from any claims, losses, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Services, your violation of these Terms, or your violation of any rights of a third party.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Any dispute arising out of or relating to these Terms or the Services shall be resolved in the courts of that province.

17. Changes to These Terms

We may update these Terms from time to time. We will post the revised Terms on the Site and update the “Last Updated” date. Your continued use of the Services after an update constitutes acceptance of the revised Terms.

18. Contact Us

For questions about these Terms, contact us at:

Email: karan@loancero.com

Mailing Address: 771 Robson Street -1249 Vancouver, BC V6G 3B7 Canada

Website: https://loancero.ca/contact