Our Services
We understand that your financial needs extend beyond advice, which is why at S-Financials, we guide you through your journey to achieving your financials goals. Whether it is solving a financial problem or accomplishing a financial target, S-Financials will guide you through every step ensuring your peace of mind and building a strong financial knowledge foundation.
Increasing Credit Awareness
Our experts provide comprehensive guidance on credit reports, scores, and how they impact financial decisions. We educate individuals on building credit, managing debt responsibly, and improving their creditworthiness.
New to Canada Program
To establish your credit in Canada, there are several important steps to take. You need to obtain a Social Insurance Number (SIN), as it is required for most financial transactions and open a Canadian bank account to manage your finances and demonstrate stability.
Debt Restructuring
Our team of professionals will assess your financial situation, analyze your debts, and work with you to develop a customized debt restructuring plan that aligns with your goals and financial capabilities. We analyze your debt in details, and utilize our expertise to help you pay lower interest rate, and if possible help you work towards debt free status.
Line of Credit
A line of credit is a flexible borrowing option that allows individuals to access funds up to a pre-approved limit as needed, rather than receiving a lump sum all at once. Unlike a traditional loan, borrowers can withdraw and repay funds repeatedly within the credit limit, similar to using a credit card. Interest is typically only charged on the amount borrowed, not the total credit limit.
MasterCard/Visa Offers
We are here to assist you in navigating the world of credit card offers and ensuring you make the most informed decisions. Our team of experts is dedicated to understanding your financial goals and helping you find the credit card offers that align with your needs.
Consolidation Loan
This type of loan allows you to pay off various high-interest debts, such as credit card balances or personal loans, and consolidate them into a single monthly payment with a potentially lower interest rate. We understand the challenges of managing multiple debts and offer solutions to provide relief and streamline your financial obligations.
Personal loans
Personal loans are a type of unsecured loan offered by financial institutions that allow individuals to borrow a fixed amount of money for various personal needs, such as consolidating debt, financing major purchases, or covering unexpected expenses. Unlike secured loans, personal loans do not require collateral, making them a convenient option for those who may not have assets to pledge.
Mortgage - Home Equity Line of Credit (HELOC)
We know that obtaining a mortgage can be a complex process, and we’re here to help you understand the various terms, interest rates, and repayment options available. We’ll work closely with you to evaluate your financial situation, assess your borrowing capacity, and secure the best possible mortgage solution.
Dormant/Inactive Accounts
It’s crucial to review dormant accounts periodically to ensure you maintain control over your financial assets and prevent any potential security risks or unauthorized access. We provide guidance and support in managing dormant accounts effectively.
Financial Exploitation
It is a serious concern, particularly for vulnerable individuals such as the elderly or those with cognitive impairments. We provide education and resources to raise awareness about the signs of exploitation and preventive measures that can be taken.
Loan Co-signing
Co-signing a loan is a significant financial commitment that should be approached with careful consideration. We help you understand the implications and potential risks involved, such as the impact on your credit score and the potential strain on your own financial situation.
Day-to-Day Banking
We know the importance of seamless day-to-day banking operations for our customers and we strive to provide efficient and user-friendly solutions that simplify your financial management.
