BFS Qualified

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.