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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Fina Capitale


About lender

Fina Capitale is a financial institution offering brokerage services for a variety of personal loans for Canadian residents and factoring services for Canadian companies. Fina Capitale operates quickly and suggests simple, customized solutions to every client to deal with his/her financial implications.

Fina Capitale provides a wide range of secured and unsecured personal loans for various purposes, including debt consolidation, house and vehicle repairs, emergency cases, weddings, and others.

The small and medium businesses may rely on Fina Capitale to enjoy stable cash flow and accounts management services, to ensure regular expenses payments, have their receivable accounts settled and more options.

Fina Capitale was established in 2007 in Montreal, Quebec Province with the primary purpose to mitigate financial risks of Canadians and provide proper customer support to those who are in financial discomfort and try to overcome their obstacles.

Pros and cons


  • Unsecured and secured personal loans can be received.

  • A small amount of money for various purposes is available to borrow.

  • Loan advisors of the company help to select a suitable and affordable option.

  • Secured loans grant a favorable annual interest rate.

  • No need to have a guarantor to get a loan.

  • No need to provide a warranty for unsecured loans.

  • A paid-off loan creates a history for future loans at more favorable terms.

  • Upon the request of the borrower and subject to maintaining scheduled payments, the loan is not reported to the credit bureau(s).

  • Unsecured personal loans have no fees for processing.

  • Short time for loan approval, both secured and unsecured.

  • Fees for defaulted or refused payments are postponed to the end of the loan contract by default.

  • Loans are available for self-employed individuals.

  • A policy of responsible loans is declared.


  • Those who receive social assistance (CSST, SAAQ, ODSP, OW) cannot get a loan.

  • The borrower should be employed with the 3-month probation period passed.

  • The borrower should have a net monthly income that is not less than $1,200.

  • The borrower must be of the age of the majority of the province he/she lives in.

  • The annual interest rate is up to 34%.

  • Secured personal loans either cannot be prepaid or such payments would be chargeable, the exact fee depends on the province.

  • Any defaulted or bank refused payment is charged as much as $45. An emergency payment postponement (roll over) is charged by $35 subject to an advance 72 hours notification.

  • A broker fee is applicable on loan allocation.

The list of advantages Fina Capitale offers to its clients is rather long. Within an unsecured personal loan, the borrower may get the money for various emergency or standard purposes, resettle the debts and bills, or just improve living conditions. Secured personal loans ensure relatively mild conditions. Neither secured nor unsecured personal loans require a guarantor that allows not to involve anyone else in the client's financial issues. The company may even avoid reporting the loans to the credit bureau(s) keeping the privacy of the client. A short period for loan approval, and no hidden fees or penalties as well mean a lot when the loan is required. The company develops its own list of clients and may grant the loan renewals under more favorable conditions.

Fina Capitale should also be highlighted for its responsible loan policy. Within this policy, the broker verifies and provides customized loans that are affordable for the client. The loan advisor services of the Fina Capitale support and consult the borrower in selecting the most fitted loan including the payment scheme.

Meanwhile, there are some critical disadvantages, and the application of broker fees is one of them. As a matter of fact, the annual interest rate is high, it may reach up to 34%. Apart from that, the company’s requirement for the borrower is rather tough, some penalties are applied in case of missed payments.

Loan conditions

Fina Capitale generally customizes conditions for the first loan for every particular client. The client is requested just to indicate the amount required, the desired period for repayment, the preferable repayment schedule, some personal information, and the purpose of the loan.

The minimum and maximum amounts of secured and unsecured personal loans differ. Thus, the ranges between $1,000 and $50,000 for unsecured personal loans and between $5,000 and $100,000 for secured lpersonal oans are stated in the company's information. Smaller amounts could be discussable, but the online application form does not allow the smaller amount to be inserted.

On its website, Fina Capitale indicates that the minimum period for a loan, both secured and unsecured, is 12 months. Its' online calculator and application form allows settling different periods for the loans. Thus, the minimum period for a loan of $1,000 is 16 weeks, but you can extend it to 16, for example.

The client may select the most convenient repayment frequency. Fina Capitale offers such options as weekly, bi-weekly, semi-monthly, or monthly. This variety of options can help to set a mild schedule for repayment depending on the dates when the client gets his/her income or other relevant circumstances.

Fina Capitale also wishes to know the purpose of the loan. The client is offered to select between debt consolidation, bills and expenses, automotive repair, home repair, travel and leisure, wedding, emergency, or some other. All of these personal loans can be secured or unsecured depending on the client’s life situation.

As soon as Fina Capitale receives and analyzes these data from the client, the company’s loan advisors will issue a loan quote. This service is free of charge, the quote itself is just an offer. Having this quota, the borrower can further settle the plans and take a decision on the potential loan or just forget about it.

If the client is in favor of the offer received, the loan procedures may be started.

Fina Capitale keeps its own client payment history. The company considers it vital to know its clients. Those who make all loan payments in time and respect the original payment schedule, get good records and trustworthy history with the company. For such clients, Fina Capitale is ready to render exceptional services in the future and grant them special conditions for loan renewals.

Methods of a loan funding

When a loan is approved, a Fina Capitale manager will contact the client to get a finishing verification and confirmation. This is the final required step in the whole process. As soon as the borrower confirms that he/she is ready to get their personal loan, the funds will be transmitted. It is a general practice that the funds are transmitted within the same day. The company offers two methods, that is, wire transfer and direct deposit to a bank account. It is up to the client to select what exact method of fund transfer fits him/her most of all.

If everything is fine and there are no time restrictions with bank hours, the company can send the loan amount within minutes upon the client's confirmation.

Even at initial quoting the client may ask for a same-day cash advance. This option is available for several types of loans.


What is Fina Capitale?

Fina Capitale is a financial institution operating as a loan broker with individuals and companies. For individuals the lender provides a wide range of secured and unsecured loans, for companies – the factoring services are available. The company is quick in servicing and has loan advisors to support its clients.

Who owns Fina Capitale?

There is no clear indication of the owner of Fina Capitale either on the company's website or at third parties' sites.

How do you qualify for Fina Capitale?

 To become a borrower, it is required:

  • Be Canadian residents,

  • Have reached the age of majority in their province,

  • Be currently employed and past the 3-month probation period,

  • Make a net monthly income of a minimum of $1,200,

  • Not be on social assistance (CSST, SAAQ, ODSP, OW).

How much can you borrow from Fina Capitale? 

As Fina Capitale indicates, the unsecured loans are available in the amount of $1,000–$50,000 for 12–60 months at an interest rate from 14.99% , processing takes as soon as 3 hours or less. Meanwhile, smaller amounts and shorter loan periods are also mentioned.

Secured personal loans are accommodated in the amount between $5,000–$100,000 for 12–120 months at a 14.99-34% interest rate, processing takes as soon as 24 hours or less. A smaller amount and shorter loan period are also mentioned.

Is Fina Capitale a legitimate company?

Fina Capitale is a legitimate entity. The company’s services are backed by a license from the Office de la Protection du Consommateur of the Quebec government. The lender partners of the company are also licensed.

Calculate loan payments in Fina Capitale

Fina Capitale calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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Loan term

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What to pay attention to when applying for a loan from Fina Capitale

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Fina Capitale from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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