Canadian Financing Pathways - OPTIMUS Financing

Financing Pathways Canada


OPTIMUS delivers a streamlined financing process comprised of the most innovative lending and leasing providers in the home improvement industry. In just one application, OPTIMUS identifies a homeowner’s credit score and assigns them to one of the three pathways below:

Experience the leading home improvement program, boasting unparalleled pricing and the most streamlined process in the industry.

Discover a consumer-centric pathway featuring user-friendly programs, coupled with a seamlessly effortless application process and cutting-edge credit-pull technology. Achieve high approval rates with a single, straightforward application.

Designed for applicants who do not qualify for the Standard Credit program, this program provides consumers with solutions to fit an array of credit profiles and monthly budgets.

Many customers choose to use financing as a cash flow management strategy rather than out of necessity – preferring to save their cash.

This program is designed to give near-prime customers a second chance to access credit. With the Second-Look Advantage program, you can close more deals with new approval options for your customers, who do not qualify for the Standard Credit or Extended Credit programs.

Increase in approval rate will ease fear of a decline and reduce friction.

20%* of Canadians surveyed fell in the near-prime category, without Second-Look Advantage, they would otherwise be declined.

*Source: Financeit led customer survey in 2022


Consumer financing doesn’t have to be confusing and overwhelming. Our mission is to help you find the right finance program to fit your business. Our experts will work directly with you to choose a lending pathway, learn marketing strategies, and incorporate sales processes that will help you generate more revenue.