Loancero Terms and Conditions

Effective date: November 8, 2026

1. Who We Are

Loancero ("Loancero", "we", "us", "our") is a Canadian lead-generation company that connects Canadian business owners with multiple lenders. We match the information you submit through loancero.ca with suitable business loan options to help you find the financing that best fits your needs.

Loancero is not a lender and does not make credit decisions. We do not guarantee that you will be approved, or the amount, rate or terms of any offer.

2. Eligibility

To use the site you must:

Be of the age of majority in your province or territory
Own, operate or be authorized to act for a business in Canada
Provide information that is true, accurate and complete

3. The Application

Our application has two parts.

Step One (5 questions): funding amount ($5,000 to $1,000,000), province or territory, first and last name, email address, and mobile phone number with a 6-digit SMS verification code.

Step Two (5 questions): company name, type of business, business start date, monthly gross sales ($0 to $1,000,000), and whether you would like us to look for more financing options. Step Two is collected through our other marketing channels, such as email marketing or SMS messaging.

Completing the application does not create a loan, a commitment to lend, or a guarantee of funding. See our Privacy Policy for how we use the information you submit.

4. Your Information and Accuracy

You confirm that everything you submit is accurate and that you are authorized to submit it. Providing false or misleading information may lead to us or a lender rejecting your application or restricting your access to the site.

5. Consent to Receive Emails and SMS

By opting in, completing Step One or Step Two of the application, and checking the email and SMS consent box, you agree to receive emails and SMS text messages from Loancero and our lending partners, including messages sent through automated systems.

Message frequency varies. Message and data rates may apply.
You can unsubscribe from emails using the link in any email.
You can opt out of SMS by replying STOP to any text message.
Consent is not a condition of getting a loan from any lender.

Opting out of our messages does not stop a lender from contacting you about an application already shared with them. Contact that lender directly to opt out of their communications.

6. Lenders and Third Parties

We share your application information with lenders and financing providers in our network so they can review your request and contact you. Lenders set their own eligibility rules, rates, fees and terms, and make every credit decision. Please read each lender's terms and privacy policy before you accept an offer.

We do not control and are not responsible for any lender, third-party website or service, or for any agreement you make with them.

7. Fees

Loancero does not charge you a fee to use the site or submit an application. A lender may charge fees, interest or other costs. Review all costs in a lender's offer before you accept it.

8. Acceptable Use

You agree not to:

Submit false, fraudulent or another person's information
Use the site for any unlawful purpose
Interfere with the site, its security or its operation, including by bots, scraping or malware
Attempt to access data or systems you are not authorized to access
Copy, resell or exploit the site or its content without our written permission

9. Intellectual Property

The site, including its text, design, logos and software, belongs to Loancero or its licensors and is protected by Canadian and international law. You may use the site for its intended purpose only. These Terms give you no ownership of any of our content or trademarks.

10. No Financial Advice

Content on the site is general information only. It is not financial, legal, tax or investment advice. Consider speaking with a qualified professional before making a financing decision.

11. Disclaimers

The site and our services are provided "as is" and "as available". To the fullest extent permitted by law, we do not promise that the site will be uninterrupted or error-free, that any lender will contact you, or that you will receive an offer.

12. Limitation of Liability

To the fullest extent permitted by law, Loancero and its directors, officers, employees and affiliates are not liable for any indirect, incidental, special or consequential damages, or for lost profits, revenue or data, arising from your use of the site or from any dealings with a lender. Nothing in these Terms limits liability that cannot be limited under applicable law.

13. Indemnification

You agree to indemnify Loancero against claims, losses and expenses, including reasonable legal fees, arising from your breach of these Terms or your submission of false or unauthorized information.

14. Privacy

Our Privacy Policy explains what personal information we collect, how we use and share it, and your rights. It forms part of these Terms.

15. Suspension and Termination

We may suspend or end your access to the site at any time, with or without notice, if we believe you have breached these Terms or misused the site.

16. Governing Law

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada that apply there. Any dispute will be decided by the courts of British Columbia, except where the law gives you the right to bring a claim elsewhere.

17. Changes to These Terms

We may update these Terms from time to time. The effective date at the top shows when they were last changed. By continuing to use the site after a change, you accept the updated Terms.

18. Contact Us

For questions about these Terms:

Loancero

Website: https://loancero.ca

Email: karan@loancero.com

Mailing address: 771 Robson Street -1249, Vancouver, BC V6G 3B7, Canada