Our Products

Peer to Peer Lending (Canada Only)

  • This is Canada"s first Peer to Peer Lending platform.
  • We provide businesses with accessible capital at fair interest rates through a simple online process.
  • Our loans are available for a wide array of business uses.  We understands that opportunities arise quickly, and know that successful business owners have the ability to recognize attractive opportunities.
  • Interest starts 5.9%
  • Flexible Terms.

Eorganic Lending is proudly Canadian owned & operated.


For any questions or concerns about this product call 1 888 386 1803 or email armani@eorganiclending.ca


SBA (7) ​(USA Only)

  • Interest Rates 6.25% to 7.25% (Interest Rate is variable & based on the Prime Rate).
  • Funding in 10 days.
  • 10 Year Term.
  • Loans from $30,000 to $3,000,000.
  • SBA 7 (a) CRE.
  • $350,000 to $5 million.
  • 25 Year Amortization
  • SBA Product 504 are also available.
  • SBA 504 & SBA express also available.

For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com

Commercial Real Estate (USA & Canada has some restriction)

What is a Commercial Real Estate Loan?

Commercial real estate loans are based upon the value of the real estate offered as collateral, as well as the credit of the borrower. Loan sizes and rates vary depending on the type of loan/real estate.

Pull Cash Out: Keep your cash in your company. Use the equity in your buildings for upgrades, expansions, additional working capital or whatever your circumstance maybe.

Refinance: Exercise the simplest way to increase your cash flow. If your current mortgage is over three years old, chances are you could reduce your monthly payment through a refinance.

Purchase a Property: You can purchase a property with as little as 10% down. As a business owner, you are eligible for the highest amount of leverage available: 90%.


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com


Rates, Terms & Conditions will be different from Canada & the USA

Equipment Financing (Canada & USA)

As opposed to asking for capital outright, equipment loans are more secure than others, and lenders are sometimes more willing to work with you. This type of financing may also help you get the new equipment for your business right away.​


Business equipment loans help business owners acquire equipment that would normally be too expensive to buy with cash. This is a great way for companies that want to grow their revenues with a certain tool or piece of machinery.


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com


Rates, Terms & Conditions will be different from Canada & the USA

Working Capital (Canada & USA)

Working capital loans are ideal for those business operators who are experiencing strongperformance, but need an injection of capital to take advantage of growth opportunities, without giving up equity.

Funding in as Little as Five Days

Often in business, you need rapid access to financing to capitalize on opportunity. And all too often, the banks take too long to approve the funding, if they approve it at all. At ARF Financial, we have been providing working capital to business people like you since 2001, delivering financing solutions quickly and effectively. With our Working Capital Loans, we’ve helped thousands of businesses receive hundreds of millions of dollars in loan approvals. Our Working Capital Loan is an unsecured debt, requiring no collateral for amounts under $725,000.

A Bank Loan Without the Hassle

EOrganic Lending leverages its relationships with banks across the country to provide the funding you need. It’s a far better choice for your business than a cash advance or rewards program, offering you affordable regular payment options, so you can preserve your cash flow. What’s more, unlike a cash advance, the payments don’t increase when your revenue does.  With an EOrganic Lending Working Capital Loan you are rewarded for your success, and you keep more of what you earn. Compare the advantages, and you’ll see why we’re the right choice.


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com


Rates, Terms & Conditions will be different from Canada & the USA

Merchant Cash Advance (Canada & USA)

A merchant cash advance (sometimes referred to as a business cash advance) is an alternative form of financing where the cash provider purchases a fixed amount of a merchant’s future credit card sales volume, typically at a discount of up to 38%. The advance is paid back from a percentage of the merchant’s daily credit card receipts until the agreed upon amount has been paid back. The average term of these advances is from 6 to 9 months. The daily repayment ebbs and flows with the business’s credit card sales. The higher the sales, the quicker the advance is paid back thus raising the cost of funds significantly (APR’s can range from 50% up to 200%).


If you’re a business owner considering a merchant cash advance, consider a smarter alternative — an Unsecured Business Loan or Line of Credit from EOrganic Lending.


An EOrganic Loan is the preferred choice over a merchant cash advance – rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Repayment has nothing to do with your credit card receipts. As your sales increase, your payments remained fixed. That means you reap the benefits of the increased sales, not the cash advance company.

If you’re seeking a merchant cash advance to finance an equipment purchase, inventory, expansion, remodeling or marketing, consider instead a 12 – 36 month loan from EOrganic Lending. Our longer terms ensure your payments will be considerably lower with less impact to your cash flow.


Five Important Reasons Why EOrganicis Better

Rates can be up to 50% lower than a cash advance

Unlike a business credit card advance, we offer both a fixed rate and a fixed term that are clearly spelled out ahead of time. This means that a business owner knows the exact amount they will pay back, and the exact date the loan will be paid off

Loan amounts tend to be higher since they are calculated on total annual sales vs. credit card sales only Since we offer actual bank loans, the interest paid is tax deductible further lowering your cost of funds early pay off options are available


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com


Rates, Terms & Conditions will be different from Canada & the USA

Accounts Receivable (Canada & USA)

Invoice Finance Services for Small Business

Selected invoice factoring services, or spot factoring services, from The Interface Financial Group can be a beneficial tool for business owners in time of financial need. Obtaining loans from banks and other traditional financial institutions can be an arduous process. That's where IFG's Invoice Finance Marketplace platform come in. IFG's spot factoring or single invoice factoring service is unique, simpler and superior to standard invoice finance services provided by traditional old line financial companies. Spot Factoring is not a loan – it is the purchase of single or selected group of invoices by a spot factoring company like IFG. With IFG invoice factoring, there are no minimums, no maximums, no long-term commitments and no lengthy application process.


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com


Rates, Terms & Conditions will be different from Canada & the USA

Collateral Loans (Canada & USA)

Secured loans are those loans that are protected by an asset or collateral of some sort. The item purchased, such as a home or a car, can be used as collateral, and a lien is placed on such item.  

On these loans you can use house (residential or commercial), equipment or sometimes your car.  In this types of loans it can be flexible.   We use hundreds of lenders to locate the best possible rate for you! 


Start up Loans:  Startup business loan interest rates range from seven to thirty percent. SBA loans and term loans from your bank will have the lower interest rate, but will be harder to qualify for. Business credit cards and lines of credit will be in the higher interest rates, but are easier to get and generally more flexible.


The important thing to remember about startup loans is they are going to have to be personally guaranteed, meaning you are responsible for paying it back, not your business. Term loans from your bank are usually going to be backed up by your equipment, your house, or other forms of collateral.


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com


Rates, Terms & Conditions will be different from Canada & the USA

Business Acquisition Loan (Canada & USA)

Acquisition Loans can be used to acquire, refinance, or purchase a business/franchise. There are several eligibility factors which can include the value of the business, experience of the owner, and the past performance of the business.

A business acquisition loan is used for financing a new acquisition, refinancing, or franchise purchase. Oftentimes an SBA guarantee is used to secure the funding for the lender. Acquisition loans may also be available under the SBA 7(a) loan program. The lender will examine the business’s performance, the experience of the borrower, and the value of the business. Lenders generally want to see a new business plan and financial projections.

There are many options to secure an acquisition loan or other financing to get the right capital to grow your company. EOrganic Lending proprietary technology searches through thousands of lenders and loan types to match you with the best fit for your specific situation.

Flipping Homes:   If you are interested in flipping homes here are some of our products:

  • Rehab Financing up to 100%
  • Bridge Financing
  • Rental Financing

We empower real estate entrepreneurs by minimizing obstacles and creating new avenues to seize opportunities that would otherwise be missed.


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com


Rates, Terms & Conditions will be different from Canada & the USA

Line of Credit (Canada & USA)

The Flexible Solution

The most successful business owners are the most nimble, and a Line of Credit from EOrganic Lending gives you the flexibility to act fast. When the window of opportunity opens, you’ll be ready to maximize your advantage. Our Line of Credit quickly puts up to $725,000 at your disposal. The initial line can be approved in a matter of days with 24 hour access to drafts after that.


Maybe you’ve thought about expanding, starting a renovation project or purchasing some new equipment. Why wait? With this type of financing, the simple flourish of a pen is all it takes to access up to five separate loan drafts over a four month period. You’ll have the freedom to draw funds as they’re needed, paying interest only on the money you take.


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com


Rates, Terms & Conditions will be different from Canada & the USA

Flex Plan (USA Only)

Borrow Now, Grow Now, Pay Later!

Cash is king and business conditions change. These two things are a constant for today’s business owners. That’s why EOrganic Lending has created its Flex Pay Loan product! Flex Pay offers a low rate and low weekly payments designed to maximize your cash flow.

Many merchants simply don’t dream big because they can’t afford to borrow the funds they need to capitalize on growth opportunities. Flex Pay solves that problem! Flex Pay allows you to defer 25% of your loan principal into the future, resulting in materially lower loan payments now! Flex Pay helps you get your project done, start generating revenue and then repay the deferred principal when you’re ready. Flex Pay also has a unique early pay off option that is designed to minimize your interest costs. Couple this flexibility with our four month Line of Credit and Flex Pay becomes even more unique.

Worried about the deferral because of changing business conditions? Don’t be! We have several options for you to make the deferral disappear, including rolling it into the future, amortizing it over time, refinancing it, allowing you to pay it off early or simply do nothing and your existing loan payment will be extended until it is paid in full. It’s your choice!


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com

3 Year Term ( USA Only)

Business Loans with 3 Year Terms!

Great News For Franchisees & Multi-unit Operators:

EOrganic Lending has just launched a new 3 Year Loan Term for operators who need longer-term financing to: open additional units; complete required refreshes; purchase new equipment, meet franchise development commitments; take out equity partners or pay off shorter term financing to improve overall cash flow.

Our Unsecured 3 Year Term Loan can make large scale projects affordable allowing multi-unit operators to take full advantage of emerging opportunities; with payments that are half the typical one-year loan amortization. Interest is charged on a pro rata basis, and we give you the ability to pay off at any time with a minimum finance charge of 12.5%. If you are looking to take advantage of a new opportunity, need up to $750,000 and are looking for the lowest payments available – then your business can count on EOrganic Lending!


For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com

TERM LOANS (Canada & USA)

What is Term Loan?

Generally, term loans provide a fixed payment over 1 to 5 years. They can also be used for a wide range of business purposes.  Applicants will have to complete an application where underwriting will verify financial qualifications.

What Types of Businesses Is It Good For?

Term loans are forms of debt financing. Business owners can use them for business acquisition, capital improvements, business expansion, working capital and equipment purchases, and a wide range of other business activities. These types of loans are provided by both banks and non-traditional lenders. A business that has been in operation for more than one year with good credit may be a good candidate for term loans.  Funding usually takes 7-21 days once in underwriting.

For any questions or concerns about this product call 1 888 386 1803 or email support@eorganiclending.com

Rates, Terms & Conditions will be different from Canada & the USA