Our promise to every business we fund.
Fast financing shouldn't mean guesswork. These are the commitments People Helping Businesses makes to you, in writing, from your first question to long after you're funded.
- 01
The lowest-cost option that fits
We recommend what costs your business least, never what pays us more. If a bank, BDC or SBA loan would cost you less, we'll tell you.
- 02
Every approval, in full
Before you accept anything, you see every lender's terms: the lender's name, the amount, the annual cost, the total you'll pay back and the payment schedule.
- 03
You never pay PHB
There's no fee to apply and no fee to you. Lenders pay us when your financing is funded.
- 04
No cash advances, no stacking
We don't arrange merchant cash advances, and we won't place a new loan just to cover an existing one. If a lender's terms include daily or weekly payments, we flag it before you accept.
- 05
Your credit, protected
Checking eligibility never touches your credit. We ask before any lender runs a full credit check and tell you which lender it is.
- 06
Your information, your call
Your file goes only to lenders whose programs fit, and only with your consent. Ask us any time which lenders have seen it.
- 07
No pressure, ever
Take the time you need. Every term is explained in plain language, and there's no obligation to accept any offer.
- 08
A real advisor, within the hour
You get your own PHB advisor who knows your file. Call or email during business hours and you'll hear back within the hour.
How PHB is paid.
You never pay PHB. When your financing is funded, the lender pays us a commission. There's no fee to apply, no fee to accept an offer and nothing added on our side.
Lenders set their own rates, so our job is to bring you the lowest-cost terms that fit your business and to show you every approval in full. We recommend the cheapest option that works for you, whatever it pays us.
We stay in your corner.
Your advisor stays with you through funding and after. Questions about your lender, your payments or your terms? Call us. We'll work it out with your lender for you.
Questions people ask before they borrow
How does PHB get paid?
You never pay PHB. When your financing is funded, the lender pays us a commission. There's no fee to apply and no fee to accept an offer.
Will you push me toward a more expensive lender?
No. We recommend the lowest-cost option that fits your business, never the one that pays us more, and you see every approval in full before you accept. If a bank, BDC or SBA loan would cost you less, we'll tell you.
Do you arrange merchant cash advances?
No. PHB doesn't arrange merchant cash advances, and we won't place a new loan just to cover an existing one. If a lender's terms include daily or weekly payments, we flag it and show you what it means for your cash flow before you accept.
Which lenders do you work with?
All types: banks and their equipment-finance arms, credit unions, equipment leasing companies, and specialty and online business lenders, in Canada and the United States. Every lender meets our standard: established, transparent pricing, no hidden fees and no merchant cash advances. You see each lender's name and full terms before you accept anything.
Will checking my options affect my credit?
Checking your eligibility never involves a credit check. A lender may run a full credit check when it reviews your application; we ask you first and tell you which lender it is.
Who sees my information?
Only lenders whose programs fit your business, and only with your consent. You can ask us at any time which lenders have seen your file. We never sell your information.
Do I have to sign a personal guarantee?
Many business lenders ask the owner to personally guarantee the financing, especially for newer businesses. If an approval includes one, we tell you before you accept and explain what it means for you.
How quickly will my advisor respond?
Within the hour during business hours. You get your own PHB advisor who knows your file, from your first question to long after you're funded.
What if I have a question about my lender after funding?
Call your advisor. We stay with you after funding and work it out with your lender for you.
Funding you can trust, fast.
See if you qualify in under a minute. No documents, no credit check.
