We're here to help.

• Working with Abacus Capita allows you to concentrate on what is important: growing your business.
• We do all of the legwork for you and do not charge a service fee.
• When you apply through us, you will have a minimal impact on your credit score.
• If you approach a lender directly, they will perform a hard pull on your credit score. Your credit score is impacted each time you apply directly to them. As a result, every time you apply directly to a lender and are turned down, your credit score suffers.
• With Abacus Capita, we can quickly determine whether you are eligible for a loan and locate the best loan for you without affecting your credit score.
• If you are not eligible, we will explain why and give you suggestions on how to improve your profile and your chances of getting a loan in the future.
• One application grants you access to over 25 lenders and 100 different types of business loans.
• You'd have to go directly to more than 25 lenders to get access to such a diverse range of business loans. Each would require you to fill out a different application and produce different documents.
• We do all of the legwork to find you the best loan possible, and you only need to fill out one application.

We will work with you to understand your needs and assist you in preparing for future debt. When you are ready, we will assist you in obtaining a loan from an appropriate lender at the most favourable terms and conditions.

Applying to multiple lenders does not ensure a loan approval. Furthermore, multiple applications will impact your credit score negatively and lessen your chances of getting a loan in the future.

Multiple applications with the same lender will have no effect on the outcome. It will only have a negative effect on your credit report. If a lender rejects a loan once, it is very likely that the lender will reject it again unless something fundamental has changed in your business.

When you apply for a loan, your bureau credit score is only one of many factors that a lender will consider. Lenders evaluate your ability and willingness to repay a business loan, including whether your company generates enough revenue to repay the loan and whether you are willing to repay the loan on time. Because it reflects your repayment history, your credit score is a good indicator of your willingness to repay.