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Finance

Your financial future starts with one request.

New category — we'll invite local businesses to bid on your request.
🇬🇧 United Kingdom — please read

Bidit is a matchmaking platform, not a UK-authorised financial intermediary. Manera Technologies is not authorised by the Financial Conduct Authority (FCA), the Solicitors Regulation Authority (SRA), or any other UK regulator to provide financial, legal, or insurance advice.

UK providers are verified against Companies House. The provider you select is responsible for their own regulatory obligations with the FCA / SRA / RICS as applicable to their trade.

Verify any UK company: find-and-update.company-information.service.gov.uk

🇫🇷 France — please read

Bidit is a matchmaking platform, not a French-authorised intermediary. Manera Technologies is not authorised by the ACPR, AMF France, Chambre des Notaires de France, or any other French regulator to provide financial, legal, notarial, or insurance advice.

French providers are verified against Base SIRENE (INSEE). The provider you select is responsible for their own regulatory obligations (ACPR / AMF / Ordre / CNB as applicable to their profession).

Verify any French business: annuaire-entreprises.data.gouv.fr

🇦🇺 Australia — please read

Bidit is not an Australian-authorised intermediary. Manera Technologies is not registered with ASIC, APRA, or any state Law Society, and does not provide financial, legal, or insurance advice.

Australian providers are verified against the ABR (ABN register). The provider you select bears their own regulatory obligations (ASIC / APRA / state Law Society / QBCC / VBA / NSW Fair Trading as applicable to their profession).

Verify any Australian business: abr.business.gov.au

⚖ Important — please read

Bidit is a digital marketplace, not a registered financial intermediary. Manera Technologies is not registered with the Autorité des marchés financiers (AMF) and is not authorized to give you financial, insurance, or investment advice.

Bidit's only role is to connect you to licensed providers. The provider you select is responsible for advising you and meeting their own regulatory obligations.

Verify any provider's license at the AMF Registry: lautorite.qc.ca / Registers

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What kind of financing?

Pick the product closest to what you need. Lenders will bid on this specific product.

Not sure? 'Pre-approval only' is the safest first step — lenders tell you the ceiling before you shop.
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Tell us what you need

We don't have a prebuilt path for this product yet — your answer helps lenders quote accurately, and the Bidit Flower learns from your request. Enough people asking for the same thing and it becomes a first-class option.

The more specific you are, the better lenders can bid. Mention the product name if you know it, the amount, the collateral (if any), and your timeline.
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Round to the nearest thousand. You can refine with the lender.
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Loan basics

Round to the nearest thousand. Lenders bid on the exact product + range.
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How long you'll spread the payments. 25 is standard in Canada; 30 requires 20%+ down or uninsured.
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Rate preference
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The property

Lenders need these details to price your mortgage accurately.

Property type drives loan-to-value (LTV) caps and insurer eligibility. Owner-occupied condos/homes get the best rates; rental plexes 5+ units shift to commercial financing; raw land typically requires 35%+ down.
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How will it be used?*
Primary residences get the lowest rates (CMHC/Sagen/Canada Guaranty insurable). Rentals carry a 0.25-0.50 percentage-point premium and need rental income confirmation. Misrepresenting use is mortgage fraud — lenders verify with utility records and insurance.
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For a purchase: the agreed price. For refinance/renewal: your best estimate of current market value.
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Minimum 5% on first $500K, 10% on the portion above. 20%+ unlocks uninsured terms.
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Lenders price by region (provincial regulators differ; AMF in Quebec vs FSRA in Ontario). Some lenders only operate in specific provinces. Full address is shared only with the lender you select.
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The vehicle

Lenders quote rates based on vehicle age, type, and collateral value.

New or used?*
New vehicles get the lowest auto-loan rates (and often manufacturer 0% promos). Used-dealer adds risk premium; used-private is hardest to finance (some lenders refuse private sales — bank will require independent appraisal).
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Most lenders cap auto loans at 8-10 years from model year. Vehicles older than that typically need a personal loan (higher rate, no collateral structure).
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Include trim if known (e.g. RAV4 XLE Hybrid vs RAV4 LE). Lenders use Black Book / Canadian Black Book values to verify the loan-to-value ratio. Specific trim affects collateral value.
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Total before TPS/TVQ (5% + 9.975% in Quebec) and any extended warranty. Trade-in value is captured separately. Lenders compare price to Black Book wholesale to flag overpayment.
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Add an extended warranty?
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About the personal loan

Purpose drives interest rate. Debt consolidation usually gets the best terms (consolidation = predictable repayment). Medical, education, and home improvement also qualify for preferred rates. Travel, wedding, large-purchase loans run higher.
🔒 This answer is shared anonymously with businesses that may make an offer.
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Secured or unsecured?
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About your business

Commercial lenders price business loans on cash flow + collateral + time in business.

Use the legal name as registered (REQ in Quebec, Corporations Canada federal, or state/provincial registry). Trade names ("doing business as") go in the description. Lenders verify against the registry before issuing terms.
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Sole props and partnerships pile business debt onto your personal credit. Incorporations (Inc.) limit personal liability but lenders usually still ask for a personal guarantee. Non-profits and co-ops have specialized lenders (Investissement Québec, Filaction, MicroEntreprendre).
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Lenders apply industry-specific risk multipliers. Restaurants, construction, and retail typically face stricter underwriting (higher failure rates). Tech and professional services usually get better terms. Some lenders refuse certain sectors (cannabis, adult entertainment, crypto trading).
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Most traditional banks require 2+ years of operating history. Newer businesses (under 2 years) typically rely on BDC, alternative lenders, or government programs (Programme Aide aux entreprises Quebec, Canada Small Business Financing).
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Use most recent fiscal year. Lenders typically lend up to 1-2x revenue for unsecured business loans, 3-5x for SBA-style or asset-backed financing. T2/CO-17 corporate tax filings are the source of truth.
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Working capital loans typically have shorter terms (1-3 years) and higher rates. Equipment and real estate financing match the asset's useful life and have lower rates. Acquisition financing requires the target business's financials too.
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Collateral available
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Are 2 years of financial statements ready to share?
Lenders need P&L + balance sheet + bank statements. Having these ready cuts approval time in half.
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Line of credit details

Secured or unsecured?*
Secured by property (HELOC) gives the lowest rate (prime + 0.5-1%) but requires a notary act and 30-90 day setup. Secured by investments (margin LOC) is faster but exposes the portfolio to forced liquidation. Unsecured is fastest but rates run prime + 3-7%.
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🔒 This answer is shared anonymously with businesses that may make an offer.
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Investment loan details

Borrowing to invest carries leverage risk. Lenders and regulators require specific disclosures.

Margin accounts are regulated by IIROC and have hard maintenance-call rules; investment real estate uses commercial-mortgage underwriting; private placements require accredited-investor status (AMF Reg. 45-106). The right product determines who can legally lend.
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Lenders evaluate the underlying asset's volatility/liquidity to set leverage limits. Public-company tickers verifiable on TSX/NYSE get standard margin treatment; private placements / pre-IPO need full prospectus or offering memorandum review.
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I understand borrowing to invest amplifies both gains and losses*
Leverage can multiply losses beyond your initial capital. Canadian regulators require explicit acknowledgement.
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Your financial profile

This helps lenders quote realistic rates — accurate here means fewer surprises later.

Gross (pre-tax) household income from all earners on the application. Lenders apply Canadian stress-test rules (GDS ≤ 39%, TDS ≤ 44%) — your max mortgage is roughly 4.5-5x household income. Use T4/T1/Notice of Assessment line numbers for accuracy.
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Salaried full-time gets the easiest underwriting (T4 + 2 paystubs). Self-employed and contract workers need 2 years T1 + Notice of Assessment + business statements. Commission-based applies a 2-year average. Retirees use pension/RRIF/CPP/QPP statements.
🔒 This answer is shared anonymously with businesses that may make an offer.
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Car loans, credit card minimums, student loans, other lines of credit. Excludes rent/current mortgage.
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Approximate credit score*
Free Equifax/TransUnion access via Borrowell, Credit Karma, or your bank's app. 700+ unlocks A-lender pricing; 600-700 lands B-lender (slightly higher rates); below 600 typically means private/alternative lenders. Honesty saves rejection time.
🔒 This answer is shared anonymously with businesses that may make an offer.
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Will there be a co-borrower?
🔒 This answer is shared anonymously with businesses that may make an offer.
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First-time home buyer?
First-time buyers may qualify for programs like the RRSP Home Buyers' Plan or tax credits.
🔒 This answer is shared anonymously with businesses that may make an offer.
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Context & urgency

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How soon do you need a decision?*
72-hour decisions narrow to lenders with rapid underwriting (often higher rates). Standard 30-day windows give the most competitive pricing. For a hard deadline (purchase closing locked), say so in the lender notes.
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Pick the language you prefer the vendor use when contacting you. If your language isn't listed, pick Other and type it.
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Related professionals you might want quotes from (optional)

One click here = one pre-filled request after you post. No cost, no commitment, no spam.
Check any that interest you - zero commitment, zero cost. After you post this financing request, each selection opens the matching petal with your contact and context already filled in. Vendors compete; you pick who (or none).
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Contact & consent

Last step. Vendors will reach you at the email below.

Valid email required
Region required — pick one from the list
Before you post — please confirm:
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Disclosures per Canadian Competition Act s.74.01 (truth in advertising) and Quebec Loi sur la protection du consommateur Art. 54.4 (distance contracts).

Free for consumers. Vendors pay a disclosed platform access fee on matched transactions.
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BIDIT™ · A Manera Technologies brand · Pointe-Calumet, Québec, Canada
The Way · Just Bidit.™ · A sovereign field where vendors compete for you.
Manera is a matching platform. Manera is not a lender, insurer, broker, adviser, lawyer, realtor, or any other regulated professional, and does not provide advice of any kind. Vendors bear sole responsibility for the services they bid on. Bidit™ and Just Bidit.™ are trademarks of Manera Technologies