SFA Your Trusted Financial Partner
I am proud to work as an independent equipment broker with the SFA group.
The Affiliate Financial Services was founded over 35 years ago by Stephen Goldstein with the aim of supporting businesses across all sectors in Canada with financing.
In 2021, a major milestone was reached when Tommy Leblanc merged his financing company with Stephen's. In 2024, Lee Dermer joined SFA as executive vice president, further strengthening the expertise and commitment to clients.
With over 3 billion dollars funded since its inception, SFA supports businesses in various sectors such as agriculture, construction, health, forestry, transportation, and more.
Today, SFA holds the position of undisputed leader in the corporate financing sector in Canada. With a team of several hundred brokers spread across the country, it ensures an unparalleled proximity to local businesses in need of financing.
Professional Association
The Affiliate Financial Services are affiliated with The Canadian Finance & Leasing Association.
⚠️ Warning about commercial loans
Taking out a commercial loan can be an effective solution for financing the growth of your business, but it is essential to fully understand the associated risks before committing.
A loan that is poorly suited to your situation can quickly become a financial burden. Monthly payments that are too high, interest rates that are less advantageous than they seem, or hidden fees can weaken your company's cash flow. In some cases, a poorly planned loan can even jeopardize your long-term projects and limit your future investment capacity.
Before signing, take the time to evaluate:
Your actual ability to repay in the short and medium term,
The total cost of financing including interest and ancillary fees,
The possible impacts on your working capital and profitability,
The conditions in the event of a delay or early repayment.
Remember: every business is unique. A financing solution that works for one may not necessarily be suitable for another. Turning to more flexible options, such as leasing or specialized financing programs, can sometimes be a safer and more advantageous alternative.
A commercial loan should be a growth lever, not a source of constraints. Get informed, compare solutions, and make sure to choose the financing that best suits your goals and your business reality.
Before applying, clearly examine your business's finances:
- Monthly income – average over the last 6 to 12 months
- Annual income – most lenders require a minimum of $100,000/year
- Fixed costs – salaries, rent, insurance, inventory
- Cash cycles – periods of seasonal highs and lows
- Purpose of the loan – working capital, marketing, inventory, expansion or equipment
Example:
If your business generates $25,000/month, a healthy repayment target is $2,500 to $3,750/month (10–15% of monthly revenue).
Many online calculators provide an estimate, but they do not always take into account the nuances of your industry or the criteria of lenders. Contact us or apply now and we will make the calculations suited to your situation with the best possible options.
⚠️Important notice regarding non-payment and the renewal policy
1. Financial consequences
In the event of non-payment by the due date, additional fees may be applied, in accordance with the terms set out in the contract. The applicable interest rate may also be increased, which would result in a higher total cost of financing.
2. Recovery Measures
Any delay or failure to pay may result in collection measures, including but not limited to reminders by phone, email, or mail, as well as, if necessary, the use of an authorized collection agency.
3. Impact on Credit Score
A non-payment or repeated late payments may be reported to credit rating agencies. These reports can have a negative effect on your credit score and reduce your chances of obtaining financing from lenders in the future.
4. Renewal Policy
Some financing products include a renewal clause.
The renewal may be automatic, unless otherwise stated in the contract.
Renewal fees may apply. The applicable terms are specified in your agreement.
It is your responsibility to be aware of the renewal conditions before signing the contract.
Notice of Compliance: This notice is provided for informational purposes only. The exact provisions regarding fees, interest, collection practices, and renewal terms are outlined in the financing agreement, which prevails at all times.