Funding offer Example
$250,000 ▲ approved
Time to decision
2–4 hrs
Business checking
$48,920.18
Loan offer Example
8.99% APR
30-yr fixed
6.80% avg
Canary Rewards
Premier unlocked
Fund · Bank · Borrow · Real Estate

Your money,
in motion.

Business funding from $5,000 to $5 million, approved in as little as 2–4 hours, plus real estate solutions, market news and guides. Business banking and a lending marketplace are coming soon.

Open your account See how it works
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BUSINESS FUNDING $5K – $5MAPPROVAL as fast as 2–4 hrsTERMS up to 24 mo30-YR FIXED 6.80% avg
FUNDING
Capital Solutions Now accepting applications

Business funding,
in as little as 2–4 hours.

One secure application, matched across short-term financing, term loans, lines of credit, consolidation and SBA. From $5,000 to $5 million — most offers uncollateralized, with a decision as fast as a few hours.

  • Five funding programs, one application
  • $5,000 to $5 million — most offers uncollateralized
  • Approvals in as little as 2–4 hours
US & Canada Business Loans Nationwide Business Funding
Funding request Example
$250,000
Working capital · 12-month term
Approved
Uncollateralized · funded in ~4 hours · weekly payments
PERSONAL
Personal Loans Now accepting requests

Personal loans,
on your terms.

Borrow $2,000 to $100,000 for debt consolidation, home projects, a major purchase or an unexpected bill. One short request and our team matches you to the personal loan options that fit — fixed-rate, fixed-term, no collateral required.

  • $2,000 to $100,000 — for almost any purpose
  • Fixed-rate, fixed-term — one predictable monthly payment
  • Unsecured — no home equity or collateral required
Apply now Learn more
Personal loan request Example
$15,000
Debt consolidation · fixed 36-month term
Matched
Unsecured · one fixed monthly payment · no obligation to accept
RENTAL
Real Estate Solutions Now accepting applications

DSCR rental-property
loans.

Qualify on the property's cash flow — not your personal income. Financing for 1–4 unit rentals, condos and small multifamily held in an LLC, with an instant DSCR estimate and a save-and-finish-later application.

  • Qualify on rent, not personal income (DSCR = rent ÷ PITIA)
  • 1–4 units, condos & small multifamily — held in an LLC
  • 30-yr fixed, interest-only & ARM — up to ~80% LTV
Start your DSCR application Estimate my DSCR
DSCR estimate Example
1.28
30-yr fixed · $262,500 loan
Qualifies
Rent $2,600 ÷ PITIA $2,030 · up to 80% LTV · business-purpose only
BANK
CANARY
•••• •••• •••• 4242
YOUR BUSINESS LLCDEBIT
Savings reserve Example
$92,300.00
Business banking

Business banking,
coming soon.

Business checking and savings — with account and routing numbers, same-day ACH, and virtual or physical debit cards for your team, each with its own controls — is planned and not yet available. Canary is a technology platform, not a bank. No accounts are open today, and we do not hold, move, or insure customer funds.

  • Business checking & savings — planned
  • Virtual and physical team cards — planned
  • Real-time balances, routing & account numbers — planned
Open business banking
BORROW
Lending marketplace

Lenders compete.
You choose.

Tell us what you are looking to borrow and we will record your enquiry for a specialist to follow up. Our lending marketplace — where lenders compete for your business — is in development and is not yet accepting applications.

  • Personal loans, lines of credit, auto refinance
  • Business term loans, SBA, revenue-based financing
  • Soft-pull prequalification — no credit-score impact (lender marketplace coming soon)
Compare loan offers
Best offer found Example
8.99%
APR · 36 months · $15,000
4 lenders responded
GLOBAL
You send Example
$2,500.00
Recipient gets · EUR
€2,283.50
1 USD = 0.9134 EUR · incl. 0.7% margin · arrives in ~1 day
Global payments Coming soon

Send money abroad,
at the real rate.

A way to pay suppliers, contractors and family abroad straight from your Canary account — the plan is the mid-market rate plus one small, transparent margin, with no $45 wire fees and no hidden spread. Not available yet.

  • Planned: multi-currency payments with a clear delivery window
  • The mid-market rate — not the 3%+ your bank hides
  • Hold & receive foreign currency; money moved by a licensed partner
Preview cross-border payments
PROPERTY
Real Estate Solutions

Need to sell
a property?

Canary Financial helps homeowners sell efficiently, acquire investment properties, and connect qualified sellers with experienced buyers.

  • A professional, no-obligation property review
  • A fair offer — sold as-is, on your timeline
  • Off-market opportunities for our qualified buyer network
Get My Property Reviewed Learn More
Property review Example
128 Maple Ave · Frederick, MD
Estimated offer
$312,000
Sold as-is · no showings · close in ~3 weeks
COVERAGE
Insurance Coming soon

Every policy,
where you bank.

Compare auto, home and more from 100+ carriers with your details prefilled — surfaced at the moment coverage actually fits. Canary is the distribution layer; licensed carriers quote and bind.

  • Auto & home quotes, powered by The Zebra
  • Business, landlord, renters & life — on the way
  • Free to compare — buy through a licensed partner
Explore Insurance See the lines
Auto quote Example
2023 Toyota RAV4 · Austin, TX
Estimated
$118/mo
100+ carriers compared · illustrative · not a real quote
VENTURE
Canary Ventures Coming soon

Raise the right
capital, not the
expensive kind.

Selling equity for something a loan could fund is the costliest mistake a founder makes. Canary carries every rung of the ladder — working capital, revenue-based financing, venture debt and equity — and helps you choose before you dilute. Our early-stage investing arm is being formed and is not yet deploying capital.

  • Pre-seed to Series A, led or co-invested — planned
  • Fintech, applied AI, proptech and vertical SaaS
  • Founder-first: one relationship, every stage
Explore Canary Ventures
Investment focus Example
Pre-seed · Seed · Series A
Typical check
$250K – $2M
Lead or co-invest · ~1 week to a first reply · not an offer to invest
REWARDS
Canary Rewards

More for running
with Canary.

Activate a Canary product and unlock a members-only savings marketplace, a one-time closing bonus you choose, and relationship tiers that grow with you — earned by the products you activate and how long you stay, not by how much you borrow.

  • Business Advantage marketplace — travel, tech, payroll and more
  • Pick-one closing bonus — 3 months of NovaVoxx, an energy review or a gift card
  • Member, Preferred, Premier & Enterprise tiers
Explore Canary Rewards
Your tier
Premier
MemberPreferredPremierEnterprise
Closing bonus Example
3 mo NovaVoxx
Member savings
$1,240 this yr
TOOLS
Calculators & Tools

Free calculators for every money decision.

Instant and private — no sign-up, nothing saved. Estimate a loan payment, size your funding, or check a deal in seconds.

AGENTS
Sales Agent Program

Sell everything
under one roof.

Commission-only sales agents register deals across Canary's whole ecosystem — funding, technology, medical, energy and NovaVoxx AI voice — from one portal that tracks your pipeline, your authorization, and every commission you're owed.

  • Five product families: Funding, Technology, Medical, Energy, NovaVoxx
  • Deal registration protects your ownership and attribution
  • Track estimated, approved and paid commissions in one place
Become a sales agent
Product families
5
Compensation model
Commission-only
Funding · Technology · Medical · Energy · NovaVoxx

The canary sings
before the market moves.

Join Canary Financial and put your funding, banking, and borrowing under one golden roof.

Get started free