Going direct to one lender gets you one decision. Coming through Nexus gets you offers from across our funding panel, in both languages, with one advisor.
Why settle for one offer when the whole market can work for you? See how Nexus stacks up.
| Working with Nexus | Other Lenders |
|---|---|
|
Full Funding Panel Multiple lenders compete for your business |
Single Lender One lender, one offer. Take it or leave it. |
|
Just 1 Application We handle the rest |
1 Application Per Lender Fill out endless forms. Every. Single. Time. |
|
Offers Within 24 Hours Fast, streamlined process |
2–5 Days (or Weeks) Slow underwriting. No urgency. |
|
English & Français Full bilingual service, start to finish |
English Only French support is rare or unavailable. |
|
Dedicated Advisor One person knows your file, start to finish |
No Advisor Call center queues. Repeat yourself endlessly. |
|
Lenders Compete for You Competition drives better rates |
Zero Competition You get what they give you. No leverage. |
|
No Credit Score Impact Soft check only, your score stays intact |
Hard Credit Pull Every application dings your credit score. |
|
In-House & Panel Funding Best of both worlds, more options |
In-House Products Only What they have is all you get. Limited options. |
|
Funded in 24–48 Hours Money hits your account fast |
2–7 Days (or Weeks) Bureaucracy slows everything down. |
Here's how the process looks when you work with Nexus versus going it alone.
The old way
Spend hours Googling and comparing different lenders, their rates, and terms on your own.
Fill out separate applications for each lender. Each one pulls your credit, each one takes time.
Try to make sense of different offers with different terms, rates, and fine print by yourself.
Pick an offer and hope it was the best one. No second opinion, no safety net.
Multiple credit pulls can lower your score. And you might miss out on better offers you never knew existed.
The smart way
Fill out one form. Your dedicated advisor takes it from there. No credit score impact.
Your application is sent to our entire funding panel. Lenders compete for your business.
Your dedicated advisor reviews every offer with you, explaining the pros and cons of each, in English or French.
Choose the offer that works best for your business. Funds hit your account within 24-48 hours.
Multiple lenders compete, you get better rates. One credit check. Bilingual support. One advisor who knows your file.
Beyond the comparison chart, here's what truly sets us apart from the rest.
We only do a soft credit check that doesn't affect your score. Going direct to multiple lenders means multiple hard pulls that can each drop your score.
We operate in both English and French. Application, advisor support, and offers. Most lenders in Canada only serve one language.
Offers within 24 hours, funding in 24-48 hours. Traditional lenders can take weeks or months. We respect your time.
Competition drives better rates. When multiple lenders want your business, you win. Direct lenders have no incentive to give you their best offer first.
From application to funding, one person knows your file. No call centers, no repeating yourself to different departments. Just straight answers.
We walk you through every offer, explaining rates, terms, and conditions clearly. No hidden fees, no confusing fine print. Full transparency always.
One application gets you in front of our entire funding panel. Your dedicated advisor will walk you through every offer — in English or French. Stop shopping around and start comparing real offers.
No impact on your credit score. No obligation. Bilingual service.