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
7.40% 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 7.40% 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
Estimate your business funding Estimates only
$250,000
$5K$5M
12 months
3 mo24 mo
1.25
1.101.49
Est. weekly payment
$6,010
over ~52 weekly payments
20%
Amount $250,000
Est. cost of capital $62,500
Total payback $312,500
Where your payback goes
Get Started →

Estimates only. Illustration using an assumed factor rate; not an offer of credit. Actual programs, costs and terms depend on your application and underwriting.

PERSONAL
Personal Loans Now accepting requests

Personal loans,
on your terms.

Borrow $2,000 to $400,000 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 $400,000 — 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
Estimate your personal loan Estimates only
$15,000
$2K$400K
36 months
12 mo84 mo
14.9%
6%36%
Est. monthly payment
$519
36 fixed monthly payments
20%
Principal $15,000
Est. interest $3,693
Total paid $18,693
Where your payments go
Get Started →

Estimates only. Illustration using an assumed APR; not an offer of credit. Your rate and terms depend on your application, credit and the lenders you are matched with.

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
Estimate your DSCR Estimates only
$2,400
$500$12K
$1,800
$500$12K
$350,000
$75K$2M
75%
50%80%
Estimated DSCR
1.33
Strong - typically qualifies
$262,500
Est. max loan
+$600
Monthly cash flow
Where your rent goes
Get Started →

Estimates only. Not an offer of credit. DSCR, max loan and eligibility depend on the full application, property and lender guidelines.

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