Term Fund Loans 

Reliable Funding for Long-Term Growth

Our Term Fund Loans provide the stable capital infusion you need to invest in your business’s future with confidence. Designed for predictability and growth, these loans are ideal for long-term projects and asset acquisition.

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Features

Key Features of TFL

  • Fixed or Variable Rates: Choose the interest structure that best fits your risk profile and cash flow management.
  • Structured Repayment: Enjoy predictable monthly payments, allowing for better long-term budgeting and financial planning.
  • Versatile Use of Funds: Perfect for purchasing commercial real estate, upgrading large-scale equipment, or refinancing existing debt.
  • High Capital Access: Secure larger loan amounts compared to standard lines of credit, providing the "high and useful reward" your business deserves.

Is a Term Fund Loan Right for You?

  • Long-Term Asset Acquisition
  • Predictable Budgeting
  • Debt Consolidation

Why Choose TFL with Nadia Financial?

Strategic Matching

We don't just find a loan; we match the term length to the life of the asset you are financing.

End-to-End Management

From the initial application to the final funding, we manage the lender relationship so you can focus on your operations.

Competitive Terms

We leverage our network to negotiate favorable rates that support your bottom line.
Is a Term Fund Loan Right for You?
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Who We Serve

  • The New Entrepreneur: Helping startups secure their first $100k+ in funding.
  • The Established Mover: Helping companies with $1M+ revenue scale via BDC or CSBFL.
  • The Family Planner: Guiding families through the stress of their first mortgage or renewal.
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How We Do

Our 3-Step Process

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01

Discovery

A 15-minute call to audit your current financial health.
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02

Strategy

We select the best product (BDC, TFL, or Mortgage) and build your file.
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03

Funding

We handle the bank negotiations until the funds are in your account.

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    FAQ’S

    Frequently Questions

    Traditional banks often focus on your current assets and historical "box-ticking" criteria. BDC (Business Development Bank of Canada) focuses more on the future potential of your business and its cash flow. BDC loans typically offer more flexible repayment terms and higher loan-to-value ratios, making them ideal for scaling when a traditional bank says "no."

    I’m a business owner; can I qualify for a CSBFL and a Mortgage at the same time?

    Yes! Many of our clients use a CSBFL to fund their business operations or leasehold improvements while simultaneously using our Mortgage Consultancy to secure a personal or commercial property. We specialize in "linked" financial strategies, ensuring that your business debt doesn't negatively impact your personal borrowing power.

    While every case is unique, our digital-first process is built for speed.

    • Initial Review: 24–48 hours.
    • Approval: Can take anywhere from a few days for Lines of Credit to 3–6 weeks for complex government-backed loans like the CSBFL. Our goal is to keep you updated at every milestone so there are no "black holes" in the process.

    Not necessarily. While a higher score helps secure the best rates, we look at the whole picture. For a TFL, we evaluate the strength of the asset you are buying and the projected revenue of your project. If your credit is less than perfect, we work with you to build a "mitigation story" that shows lenders why your business is still a safe and profitable investment.