One client. One partner. The right fit.
NorthMerit exists to put Ontarians in front of the one professional best placed to help them, and to give that professional a real client, not a name on a list.
Key points
- Every client is matched with one partner only. Never a list, never resold.
- We match on fit: product, region, size and specialty. Nothing else.
- Clients are verified and have agreed to hear from you before you ever see their details.
- Partners are reviewed individually, and held to how they treat the people we send them.
Why we built NorthMerit
Finding financing in Canada is harder than it should be. Businesses and homeowners fill in the same forms again and again, get passed between call centres, and often end up hearing from five companies at once. The people best placed to help them, independent brokers and specialist lenders, spend most of their week chasing leads that were never real or never theirs.
We think there’s a better way. One careful introduction, to the right professional, at the moment someone is ready to talk. That’s what NorthMerit is for.
One client, one partner
When a client comes to NorthMerit, they’re matched with one partner. Their request isn’t shared with others, auctioned or sent again later. That’s a promise to the client, who doesn’t want a flood of calls, and to you, who shouldn’t have to race four competitors to the same phone number.
Exclusivity changes the first conversation. The client knows who you are and why you’re calling. You can take the time to understand their situation instead of rushing to be first.
Work with NorthMerit
Tell us about your firm, the products you offer and the parts of Ontario you serve. Every partner is reviewed individually.
How we decide who’s the right fit
Matching is based on what the client needs and what you do best. We look at a handful of things, in this order.
| What we look at | Why it matters |
|---|---|
| Product | A factoring request goes to someone who does factoring, not a generalist |
| Region | You only receive requests from the parts of Ontario you serve |
| Size and profile | Requests fall within the range and type of client you work with |
| Specialty | Industry experience, such as trucking or healthcare, comes into play where it helps the client |
| Track record | Partners who treat clients well and close what they take on see more requests over time |
Verified before it reaches you
Before a request is matched, we confirm the details that matter: the business against the public registry, the person’s authority to borrow, and their phone and email. For homeowners, we confirm identity and contact details. You start with facts, not guesses.
Consent, and respect for the client
Every client has agreed to be contacted by one partner before their details are shared. That consent is recorded. It means you’re calling someone who asked to hear from you, and it means we take the client’s trust seriously.
We expect partners to do the same: be clear about costs, never pressure a client, and tell them plainly if you can’t help.
Quality over volume
We would rather send you three clients you can genuinely help than thirty you can’t. That’s why we verify, why we match on fit, and why we review every partner individually before they join.
When you tell us how a request turned out, matching gets sharper. Over time, you receive more of the clients you do best.
What we expect from partners
Joining NorthMerit is by review. We look for firms that share our standards.
| Standard | What it means in practice |
|---|---|
| Licensed and registered | For mortgage and property-secured requests, a licence with FSRA in Ontario |
| Prompt first contact | Clients hear from you quickly, while they’re ready to talk |
| Clear and honest | Costs, terms and options explained plainly, in writing |
| Client-first | No pressure, and a referral elsewhere if you can’t help |
Common questions
Are requests shared with other partners?
Has the applicant agreed to be contacted?
Which requests will I receive?
Do I need a licence?
Spend your time on clients who are ready.
Verified, consented and exclusive requests in the products and regions you serve.