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YOUR BUSINESS. ITS NEXT CHAPTER.

Better capital.
A stronger
business.

Your business is moving forward. Your financing should too. Meet the AI-native capital partner we’re building to help Canadian businesses find the right structure and a better cost of capital.

Join the waitlist See what we’re building ↓

Free for businesses. Early access by invitation.

alar AN ILLUSTRATIVE PREVIEW
Our customers pay in 60 days.
What’s the right way to fund the gap?
Match the financing to your cash cycle.

Let’s explore a revolving line first, and compare an asset-backed path. Here’s how the structures differ.

YOUR STRUCTURE SHORTLISTCAD · illustrative
START HERE

Bank operating line

$750,000Requested · capacity unverified

A revolving facility can bridge receivables without financing a recurring gap with short-term debt.

Repayment
Draw, repay and reuse
Rate & fees
Awaiting lender quote
Why this path & what to check

The sample coverage and leverage screens pass. Actual lender underwriting is still required.

Review guarantees, covenants and annual renewal risk.

Still needed: receivables aging and security details, verified cash flow and lender assessment.

ANOTHER PATH

Receivables-backed facility

$750,000Requested · capacity unverified

Link the facility to identifiable assets and the timing of cash collection.

Repayment
Repay as receivables collect
Rate & fees
Awaiting lender quote
Why this path & what to check

Eligibility depends on asset quality, receivable aging, concentration and security. These have not been assessed.

Borrowing limits change with eligible receivables; reporting adds work.

Still needed: receivables aging and security details, verified cash flow and lender assessment.

Join the waitlist Get launch updates

Exploring working capital using your snapshot amount. Illustrative structures, not approvals or lender offers.

Get early access to Alar

ONE PICTURE. ALL THE SIGNALS.

qb QuickBookssage Your bank✦ CRA information Your APIs
Planned integrations. Built around permissioned access to your business data.
CAPITAL, WITH CONTEXT

Getting funded is one thing.
Getting it right is everything.

A fast yes isn’t always the best answer. Alar is designed to understand why you need capital, how your business runs, and what it can sustainably repay.

01 / UNDERSTAND

Your numbers.
The whole story.

Bring accounting, banking and tax information into one financing profile. See EBITDA, debt coverage, cash conversion, receivables and debt together.

02 / STRUCTURE

The right capital.
For the right reason.

Working capital, equipment, growth or refinancing. Explore the financing structure that fits the job before evaluating lender eligibility.

03 / OPTIMIZE

Lower cost.
Without the wrong fit.

Prioritize appropriate capital by total cost, repayment demands, covenants and flexibility. Keep the trade-offs visible and the decision yours.

FROM SIGNAL TO SIGNED TERMS

Less paperwork.
More possibility.

One connected journey—from understanding your business to comparing real lender terms. That’s what we’re building.

Get launch updates
ALAR / CREDIT BRIEF
YOUR BUSINESS, PRESENTED WELLA clear, lender-ready story.

Financials. Structure. Evidence.
One package, prepared for review.

01

Connect your financial world

QuickBooks or Sage. Banking. CRA information. Bring the facts together with your permission.

02

Build the right financing plan

Understand cash flow and repayment capacity. Evaluate structures, then apply lender criteria.

03

Prepare, approve, approach

Generate a credit package. Review the recipients and authorize what gets shared.

04

Compare actual terms

Put offers side by side—interest, fees, guarantees, covenants and flexibility. You choose.

YOUR BUSINESS EVOLVES. SO SHOULD YOUR CAPITAL.

The relationship
doesn’t end at funding.

Alar is designed to maintain your financing profile and spot the next opportunity as your business strengthens. A better quarter could mean a better financing conversation.

SIX MONTHS LATER · ILLUSTRATIVE ALERT
“Your financials have improved. It may be time to replace that 17% loan with a bank facility.”
Explore refinancing
Future monitoring capability. Refinancing and pricing remain subject to lender assessment.
A CAPITAL PARTNER. A SIMPLE CONVERSATION.

Ask the question.
Find your next move.

We’re growing, but our customers pay in 60 days.
How should we fund the gap?
Let’s match your capital to your cash cycle.

A revolving operating line could be a better structure to explore than another short-term loan. Start with your receivables, repayment capacity and existing debt.

Join the waitlist to follow Alar Illustrative conversation
Get updates as Alar takes shape
A FEW THINGS TO KNOW

Clear from
the start.

Is Alar free for businesses?

Alar is intended to carry no fee to businesses. Interest, lender fees and third-party financing costs are separate and will apply if you pursue financing.

Who is early access for?

Canadian businesses and finance teams looking for working capital, equipment financing, expansion capital or a better structure for existing debt. We plan to start with small onboarding cohorts.

Will Alar send my information to lenders automatically?

No. This website only collects waitlist requests. Joining the waitlist does not submit a financing application or authorize sharing information with lenders.

What can I try today?

This website is informational; the Alar product is not yet available to try. Join the waitlist for updates as we build it.

EARLY ACCESS · CANADA

Your next chapter.
Let’s finance it.

We’re inviting ambitious businesses and finance teams in small cohorts. Get on the list for updates as we build a better way to manage capital.

No Alar fees for businesses No obligation to borrow Help shape the platform

Get launch updates

Tell us a little about your business.

No card. No commitment. Just a better starting point.