- Must demonstrate at least two (2) full years of operation of their business
- Clients cannot be previously bankrupt; have filed a consumer proposal or Orderly Payment of Debt (OPD) in Alberta, Saskatchewan and Nova Scotia; or, completed credit counselling
- If a borrower has been working for an extended period of time and recently became self-employed in the same field, performing essentially the same function with the same skill requirements, the BFS (2) year operation requirement (see first bullet point above) does NOT apply.
- 100% commission income borrowers
- Contract employees
- Seasonal employees
- Small Business Owners