Features & Benefits


  • loans ranging from $1,000 to $15,000
  • repayment terms from one year to four years
  • competitive low-interest rate!
  • options to save interest by making payments more frequently
  • flexible monthly payment schedule
  • no hidden fees
  • NEW Reduced Loan Interest Rate: Prime + 0.5%

Eligible Costs

  • Tuition for short-term (two years or less) training
  • Exam fees with a professional governing association
  • Travel expenses to write an exam
  • Qualification assessments fees
  • Professional association fees
  • Books and course materials


FCR loans are different from Bank and student loans as our main focus in processing the application is based on character assessment. Whether you are a new immigrant who has just arrived in Canada with no credit history, or you have been living in Canada for a period of time, the FCR project could still work for you if you need financial support and have a viable action plan to return to your profession.

FCR clients are able to make any additional or early repayments without any pre-payment penalty, and they may postpone up to 2 monthly payments over a 12-month period if needed