Welcome

CANADA & USA • ALL INDUSTRIES

FUNDING FOR THE BUSINESSES THAT BUILD, HAUL & GROW NORTH AMERICA.

Equipment, fleet, factoring, lines of credit, business loans, inventory, business credit cards, and asset-based lending — one broker, a whole network of lenders, and a straight answer fast. No real estate. No mortgages. Just commercial financing.

8

FUNDING
PRODUCTS

2

COUNTRIES
SERVED

1

APPLICATION
TO START

WHAT DO YOU NEED MONEY FOR?

Takes 2 minutes. Your email is required so we can send your options.

What We Do

HOW IT WORKS

01

Apply in 2 minutes

Tell us who you are, your business, your email, and what you need. One short form — it comes straight to our team so nothing gets lost.

02

We shop our lender network

As a broker, we match your deal with the right type of lender — A lenders, B lenders, subprime, private, and asset-based lenders who actually fund businesses like yours.

03

Pick your offer & get funded

Compare real options, choose the one that fits, and get back to running your business.

OUR LENDER NETWORK

A LENDER FOR EVERY CREDIT PROFILE

Banks say no to a lot of good businesses. As a broker, we don't work for one bank — we work for you, with a whole network of different types of lenders across Canada and the USA. Whatever your credit, time in business, or situation, we shop your deal to the lender most likely to say yes.

A

A Lenders — Banks & Prime Lenders

The major banks and top-tier lenders. The lowest rates and longest terms — for established businesses with strong credit, solid financials, and a proven track record.

Best for: Strong credit (typically 680+), 2+ years in business, clean financials.

B

B Lenders — Alternative Lenders

Credit unions, B lenders, and alternative institutions that are more flexible than the big banks. A great middle ground when you almost qualify at the bank — or need an answer faster than a bank will give you one.

Best for: Good businesses that don't quite fit the bank's box, fair-to-good credit.

SUB

Subprime & Credit-Challenged Lenders

Lenders who look at where your business is going, not just your past. They focus on your current cash flow, revenue, and ability to repay — even if your credit has bruises, a past bankruptcy, or you're a newer business.

Best for: Bruised or low credit, past credit issues, startups & newer businesses.

PVT

Private Lenders

Private individuals and private lending funds. Fast decisions, flexible terms, and very little red tape. Ideal for short-term needs, urgent deals, and situations traditional lenders won't touch.

Best for: Speed, urgent funding, unusual deals, short-term financing.

ABL

Asset-Based Lenders

These lenders lend against what your business owns — equipment, vehicles, inventory, and accounts receivable. When the asset is strong, your credit matters a lot less, because the asset secures the loan.

Best for: Equipment, fleet, inventory & invoices — businesses with valuable assets.

ALT

Specialty & Online Lenders

Fintech, online, and specialty lenders built for speed — including factoring companies and equipment specialists. Approvals in days, not months, with paperwork kept to a minimum.

Best for: Fast approvals, factoring, equipment specialists, smaller loans.

Not sure where you fit? That's our job. Apply once and we match you to the right type of lender for your credit, your industry, and your deal — so you don't waste time applying to lenders who were never going to fund you.

WE FUND YOUR INDUSTRY

Don't see your industry on the list? We fund all kinds of businesses across Canada and the USA — and more. If you run a business and need funding, don't count yourself out.

WE'RE ALWAYS LOOKING FOR AFFILIATES TO JOIN GOTO COMMERCIAL FINANCE — GREAT COMMISSIONS.

Know business owners who need money? Refer them to us. When their deal funds, you earn. No licence needed for commercial referrals — just your network.

TALK TO CHRIS DIRECTLY

Email, Messenger, or WhatsApp — whichever is easiest. Or apply online right here.

Email Chris Messenger WhatsApp

COMMERCIAL LENDING BROKER • CANADA & USA

COMMERCIAL FUNDING OPTIONS

Commercial only. No real estate, no mortgages, no personal loans. If it helps your business work, grow, or get paid faster — we likely have a lender for it.

Equipment Financing

Most requested

Excavators, loaders, trucks, machinery, dental & medical equipment, restaurant gear — new or used, so you can get to work without draining cash.

Business Loans

Growth capital

Term loans for growth, expansion, working capital, and big opportunities. Built for real businesses, not just perfect credit files.

Lines of Credit

Flexible

Revolving credit you draw when you need it and repay as cash comes in. Perfect for payroll gaps, materials, and seasonal swings.

Factoring

Fast cash flow

Turn unpaid invoices into cash now instead of waiting 30, 60, or 90 days. Your receivables fund your next job.

Fleet Loans

Trucking & trades

Single trucks to full fleets — semis, box trucks, work vans, and trailers. Keep your fleet moving and growing.

Merchandise & Inventory

Inventory

Stock up ahead of your busy season. Financing for merchandise and inventory so shelves and yards stay full.

Business Credit Cards

Everyday spending

Business credit cards for everyday purchases, fuel, supplies, and expenses — keep business and personal spending separate, manage cash flow between jobs, and build your business credit profile.

Asset-Based Lending

Asset-backed

Borrow against what your business already owns — equipment, vehicles, inventory, and accounts receivable. The strength of your assets secures the funding, so approval depends less on credit alone.

Lenders and Who We Help

WHO FUNDS YOUR DEAL?

THE TYPES OF LENDERS WE WORK WITH

Every business is different — and so is every lender. We place your deal with the type of lender that fits your credit profile and your timeline, from prime banks all the way to private and asset-based lenders.

A

A Lenders

Banks & prime lenders. Lowest rates, best terms. For established businesses with strong credit and solid, documented financials.

B

B Lenders

Alternative & near-prime lenders. More flexible than the banks, with faster decisions. For good businesses that fall just outside bank guidelines.

SUB

Subprime Lenders

Credit-challenged lenders. They weigh your business revenue and cash flow more than your credit score — options even with bruised credit or a short time in business.

PVT

Private Lenders

Private money, fast. Flexible, short-term funding from private lenders and funds — minimal red tape when speed matters most.

ABL

Asset-Based Lenders

Lending secured by your assets. Equipment, trucks, inventory, and receivables secure the funding, so approval depends less on credit.

ALT

Asset & Specialty Lenders

Equipment, factoring & online specialists. Lenders who specialize in one type of deal and fund it quickly — including invoice factoring and equipment-only lenders.

One application covers them all. Tell us about your business once, and we'll take your deal to A, B, subprime, private, and asset-based lenders in our network to find you a real option.

NOT SURE WHICH ONE FITS?

Apply once and tell us the goal. We'll match you to the right product and lender.

Steps to Sign Up

FREE TO APPLY • NO OBLIGATION

APPLY FOR FUNDING

Fill this out once — it goes straight to our team and Chris will follow up at the email you give us. Email is required so we can send your funding options.

Your full name *

Business name

Business address

Email address * — we send your options here

Phone number *

What do you need?

How much do you need?

Industry

When do you need it?

Tell us about the deal

Press submit and your application comes straight to us — it's saved, and we get an email alert right away. Prefer to write directly? Email chris@gotocommercialfinance.com.

By applying you agree to be contacted about your request at the email and phone you provided.

AFFILIATE PROGRAM

WE'RE ALWAYS LOOKING FOR AFFILIATES TO JOIN GOTO COMMERCIAL FINANCE — GREAT COMMISSIONS.

If you know business owners — contractors, truckers, shop owners, restaurant owners, dealers, accountants, realtors for commercial clients, or anyone who talks to businesses every day — you already have what it takes. Send them to GoTo Commercial Finance for funding, and when their deal funds, you earn a commission.

1. Refer a business owner

Send us a business that needs equipment, a loan, a line of credit, factoring, fleet, inventory financing, a business credit card, or asset-based lending — or send them our way and tell us you sent them.

2. We do the work

We work the deal, match it with lenders in our network, and keep you posted. You don't chase paperwork or lenders.

3. You get paid on funding

When the deal funds, you earn a great commission. The better your referrals, the more you can earn — top affiliates refer every month.

WHO MAKES A GREAT AFFILIATE?

Equipment dealers & sales reps whose buyers need financing
Accountants, bookkeepers & business advisors
Contractors, truckers & business owners with a strong network
Anyone active in business groups & the Lenders Network of US/Canada
Marketers & connectors who know Canadian and US business owners

Commercial referrals only — no real estate, no mortgages, no consumer loans.

Affiliates

SIGN UP AS AN AFFILIATE

Name, email, and phone are all required — email is required so we can send your next steps. Affiliate sign-ups are kept on their own list, separate from client applications.

Full name *

Email * — required, we reply here

Phone *

Business / company name

Business address

How you meet business owners (optional)

Anything we should know? (optional)

Press submit and your sign-up comes straight to us — it's saved, and we get an email alert right away.

GET IN TOUCH • CANADA & USA

CONTACT US

Have a question, want a callback, or not sure where to start? Leave your name, business name, address, email, and phone number below and Chris will get back to you. Email is required on every form so we can reply. For a full funding request, use the Apply Now form instead.

TALK TO CHRIS DIRECTLY

Email: chris@gotocommercialfinance.com
Messenger: Message us on Messenger
WhatsApp: 873-660-7697
Facebook: GoTo Commercial Finance on Facebook
Serving businesses across Canada and the USA

Commercial only — no real estate, no mortgages, no consumer loans.

SEND US A MESSAGE

Name, email, and phone are required — email is required so we can reply to you.

Full name *

Business name

Business address

Email * — required, we reply here

Phone number *

Best way to reach you

What is this about?

Message

Press submit and your message comes straight to us — it's saved, and we get an email alert right away.

By contacting us you agree to be contacted about your request at the email and phone you provided.

FUNDING FOR THE BUSINESSES THAT BUILD, HAUL & GROW NORTH AMERICA.

WHAT DO YOU NEED MONEY FOR?

HOW IT WORKS

Apply in 2 minutes

We shop our lender network

Pick your offer & get funded

A LENDER FOR EVERY CREDIT PROFILE

A Lenders — Banks & Prime Lenders

B Lenders — Alternative Lenders

Subprime & Credit-Challenged Lenders

Private Lenders

Asset-Based Lenders

Specialty & Online Lenders

WE FUND YOUR INDUSTRY

WE'RE ALWAYS LOOKING FOR AFFILIATES TO JOIN GOTO COMMERCIAL FINANCE — GREAT COMMISSIONS.

TALK TO CHRIS DIRECTLY

COMMERCIAL FUNDING OPTIONS

THE TYPES OF LENDERS WE WORK WITH

A Lenders

B Lenders

Subprime Lenders

Private Lenders

Asset-Based Lenders

Asset & Specialty Lenders

NOT SURE WHICH ONE FITS?

APPLY FOR FUNDING

APPLICATION RECEIVED

WE'RE ALWAYS LOOKING FOR AFFILIATES TO JOIN GOTO COMMERCIAL FINANCE — GREAT COMMISSIONS.

1. Refer a business owner

2. We do the work

3. You get paid on funding

WHO MAKES A GREAT AFFILIATE?

SIGN UP AS AN AFFILIATE

SIGN-UP RECEIVED

CONTACT US

TALK TO CHRIS DIRECTLY

SEND US A MESSAGE

MESSAGE RECEIVED