How it works
CreditForge is a referral / facilitation layer. We help route contractor‑referred clients to third‑party lenders for personal loans. We are not a lender and do not make credit decisions.
1) Referral
Contractor shares a CreditForge referral link to a client with an active quote.
2) Application
Client completes an application directly with a third‑party lender.
3) Outcome
If approved and funded, the client proceeds with the job. If not, the client can choose other options.
Role boundaries (important)
| CreditForge | Third‑party lender |
|---|---|
| Routes applicants and supports the referral flow | Underwrites and makes credit decisions |
| Does not set rates or terms | Sets rates, terms, and disclosures |
| Does not handle funds | Disburses funds (if applicable) |
| May receive compensation for referrals (disclosed) | May pay referral fees per agreement |
Compliance stance: We use a consent‑forward approach aligned with Canadian privacy expectations (including PIPEDA).
See Privacy and Disclosures.