✽ Serving Ontario
Lendworth Understands Self Employed Income.
Quick Application
Submit a short application with basic info about your property.
No Credit Requirements
Approval based on equity — not credit score.
Fast Funding
Same-day approvals with funding in as little as 24 hours.
What We Look At When You’re Self-Employed?
We take a balanced, equity-focused approach to underwriting. Ontario private mortgages.
✔ Credit card debt
✔ Personal loans
✔ Lines of credit
✔ Consumer Proposals
✔ Collections
✔ CRA tax arrears
✔ High-interest loans
✔ Overdue bills
✔ Business debt
Home Equity Lines
Flexible Access to Your Home’s Equity Anytime
First Mortgages
Fast, Flexible Financing When Banks Say No
Second Mortgages
Tap Into Your Equity for Cash Flow for Debt Relief.
Bridge Loans
Bridge Your Debt Before Selling Your Home.
Who Qualifies?
Designed for Borrowers Who Don’t Fit Traditional Bank Requirements. We are your private lender in Ontario.
Own a home in Ontario
Have 20–25% equity
Need fast or flexible mortgage options
Self-employed, bad credit, or non-traditional income
Bank declined you
Need to consolidate high-interest debt
How it works?
Apply Online
Submit your basic details — no documents needed upfront.
Receive Your Approval
We assess your equity and property value, not your credit score.
Get Funded Fast
Funds are released once documents/appraisal are completed.
Trusted by Self-Employed Canadians Who Need Fast, Flexible Mortgage Solutions.
Lendworth understands real income — and makes approval simple.
Top Self Employed questions answered
Lendworth is a direct private mortgage lender.
Yes. Unlike banks, Lendworth does not require tax returns, NOAs, business financials, or T1s for most self-employed borrowers. We lend based on your home’s equity, not your paperwork. If your business income is inconsistent, cash-based, or newly established, you can still get approved quickly.
Banks rely heavily on taxable income, which is usually much lower for self-employed Canadians due to write-offs and deductions.
Lendworth focuses on:
• Equity
• Property value
• Exit strategy
• Real-world financial circumstances
This allows us to approve files that banks decline — often within 2 hours.
Our self-employed mortgage solutions help Ontario business owners with:
• Working capital
• Paying CRA debts
• Consolidating high-interest loans
• Stopping Power of Sale
• Financing renovations or expansions
• Stabilizing cash flow during slow months
Whether you run a small business or a growing corporation, Lendworth offers practical, fast solutions.
More Loan Products We Offer
Explore more of our loan options below and find the one that best fits your needs.
Mortgage Solutions We Offer
We have a solution built around your home equity and your goals.
Lendworth approves Ontario homeowners quickly based on equity — not complicated bank rules.
Ready for Fast, Flexible Financing?