One lender, or several through an intermediary?
Going straight to one lender gives a single reading of the file; going through an intermediary has it presented to several lenders, under a mandate. In both cases, each lender decides on its own.
Choose my amountThe answers
- What is the difference between approaching one lender directly and several through an intermediary?
- Directly, you hand your file to one lender yourself; it reads the file by its own criteria and decides. Through an intermediary, the file is prepared once and presented to the lenders you authorize; the intermediary does not lend and does not decide.
- When does one route or the other come up?
- The direct route comes up when you already know the lender and the product you want. An intermediary comes up when you do not know which lender reads a file like yours, or after a refusal.
- What does each route ask of the business?
- Directly, you prepare the file yourself and repeat the process with each lender. Through Capital Facile, you sign a mandate, exclusive for its term for this financing request.
- One lender directly or an intermediary: which route for my business?
- It depends on what you already know about the lender you need, and on the work you want to do yourself. Our fee is added to the cost the lender sets and is payable only if financing is disbursed; it is shown further down this page.
What the lender looks at
- Actual deposits, month by month
- Directly or not, the reading starts with what the business takes in.
- Trend over the period
- Several lenders read the same period; each draws its own judgment.
- Payments to other lenders
- Your current commitments are declared to any lender, whichever the route.
- How long the business has been operating
- The time-in-business threshold changes from one lender to the next.
$0 upfront · 7% only if funded
An intermediary, not a lender.
The lender sets the final amount and its cost in its written offer.
Choose my amount