Instant Bank Verification (IBV)

The secure technology that replaces pay stubs, bank statements and credit checks.

What is IBV?

Instant Bank Verification (IBV) is a system used across Canada that securely confirms your income directly from your banking history, in a matter of minutes.

In practice: you receive a secure link, you log in to your bank through that link, and we receive a read-only summary of your transactions. That's it.

What IBV shows us

The regularity of your pay deposits
The age and activity of your account
Your real repayment ability

What IBV never does

It never shares your password or banking credentials with us
It gives us no access to make transactions in your account
It does not touch your credit score: it is not a credit check

"Your credentials stay between you and your bank. We only see a read-only summary."

Why we use it

IBV lets us make a fair and fast decision based on your real situation rather than a credit score that tells the past.

This is also why direct deposit and an account open for at least 3 months are required: without a history of regular deposits, IBV cannot confirm the stability of your income.

Apply now

Ready to apply?

Two minutes, a few questions, no credit check. You will know right away if you qualify.

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