Invest with Confidence: Capital Protection Meets High Growth Potential

Maximize Your Wealth with Quick Loan up to $200,000

Turn Small Capital into Big Opportunities with Investment Loans

Investment Loan for Canadians
Borrow up to $200,000 – apply online or in branch

What We Offer

At Ai Financial, we bring together two powerful tools to help you build lasting wealth:

Investment Loans:

It allows you borrow to invest even without upfront capital, saving years of capital accumulation and start compounding early.

With interest-only payments, enjoy low costs and high returns while accelerating your financial growth in high-potential markets.

Segregated Funds：

Offered by top-tier insurance companies, segregated funds provide capital protection and steady growth. Perfect for long-term investors seeking security and returns.

Why you need loan to invest

Leverage allows you to invest more than your initial savings, multiplying your growth potential.

We specialize in using investment loans to help you invest in Segregated Funds, with an average annual return of 21.6%, we’ve helped clients double their investments in just five years.

Why This Combination Works

Benefits of investment loan

Benefits of segregated funds

Safety Meets Growth

Segregated funds protect your capital while investment loans maximize returns. Grow your wealth with security and minimal risk.

No Asset Proof Required

Skip the hassle of proving assets—get approved quickly and start investing right away.

Cash Flow Flexibility

With interest-only payment options, you can keep your cash flow intact while your investments grow.

You've come to the right place for GREAT SERVICE

Trusted Canadian lender

Segregated Funds providers

We are regulated by

Ai Financial acts as your trusted broker, providing expert investment advice and handling loan and fund applications.

Trusted Institutions:
Products and loans come from Canada’s most reputable Tier 1 banks and leading insurance companies.
Full Regulation:
We are overseen by top financial authorities, ensuring your investments are 100% safe.
Secure Accounts:
Your funds stay in your personal account, protected by financial regulators and insurance companies—even if Ai Financial ceases operations.
Exclusive Access:
These products require a licensed intermediary; they aren’t available directly to individuals.
Proven Results:
Our investment strategy has consistently delivered over 20% average annual returns, surpassing industry standards.

Client Success Spotlight

Here are two real client success stories.
All screenshots are from actual client accounts.
See how investment loans and our expertise can help grow your wealth.

$140,000 Profit in 2.5 Years:
400% Real Return

Alex took a $200,000 investment loan with us in 2022 to invest in our recommended segregated funds. This year, his account profit has reached $140,000.

5 Years, double wealth:
$100,000 Becomes $250,000

Sophia’s investment return has already reached nearly 30% this year! In 2018, she took a $100,000 loan to invest. By last year, her assets had already doubled, with a profit of $150,000!

How It Works

1. Free Consultation

Talk to our experts about reaching your financial goals.
We assess your personal situation and risk tolerance.
Receive tailored recommendations for the most suitable segregated funds.

2. Easy Loan Application

Apply for an investment loan with no asset proof required.
Enjoy a seamless process with Canada’s leading banks.
Benefit from an approval rate of over 98%.

3. Invest in Segregated Funds

Your loan is deposited directly into an account under your name with the insurance company.
Loans are used to purchase carefully selected segregated funds.
Historical average annual return exceeds 20%.

4. Monitor Your Portfolio

We guide you to achieve steady, compounding returns.
All actions need your signed approval—we never directly access your funds.
Your funds are fully protected by the insurance company and regulators.

FAQ

How Do You Charge Fees?

For investment loans: The insurance company automatically charges a one-time 5% fee from the loan amount, which includes our service fee. You don’t need to pay AiF directly.

Example: If you borrow $100k, a $5k fee will be deducted, leaving you with $95k as your initial investment. However, your loan interest will still be calculated based on the full $100k.

For self-funded investments: The insurance company also charges a one-time 5% fee from your investment amount, which includes our service fee. Again, there are no extra charges from AiF.

Example: If you invest $100k of your own money, the insurance company deducts $5k, leaving $95k as your initial investment. This is a one-time fee with no further charges.
If you wish to cancel your investment later, the process and any applicable adjustments will depend on the specific situation.

What is the interest rate? Will it change?

The interest rate is Prime + 0.75%, which means it adjusts based on changes in the Prime Rate.
Currently, the investment loan interest rate is 6.7%.
For example, if you borrow $200k, your monthly interest payment would be $1,116.70.

Can I cancel the loan anytime?

Yes, you can cancel the investment loan at any time without penalties.
Upon maturity, the loan is automatically renewed with no need for reapproval.

What happens if I can’t pay the interest?

You can withdraw up to 10% of your investment gains each year without any fees. This amount can help cover a portion of the interest.
You have the option to reduce your loan amount (e.g., from $200,000 to $100,000). As long as your account is not in a loss, this adjustment incurs no penalties.

What happens if I cancel the loan while at a loss?

If you cancel the loan while having a paper loss, you will need to cover the loss difference.
For example, if your account balance is $80k and the loan amount is $100k, you will need to pay the $20k difference to fully repay the loan.
The “principal protection” feature of the segregated fund is typically only effective at maturity (e.g., 15 years). If you cancel before maturity, you will not be able to benefit from this protection.

What products are purchased with the borrowed funds?

The borrowed money will be invested in Segregated Funds (Seg Funds), a secure and growth-oriented product offered by leading insurance companies. Seg Funds combine mutual fund investment benefits with added insurance features:

Principal protection guaranteed at maturity or in case of death
Creditor protection potentially shielding your investments from claims
Probate fee exemption allowing direct inheritance to beneficiaries without delays or additional costs

Under Ai Financial’s management, clients investing in Seg Funds have achieved an average annual return of over 20% in the past decade.

How does the principal protection feature of segregated funds work?

The principal protection of segregated funds is typically available at maturity or in the event of death.

Example:

You invest $100k using an investment loan in a 10-year fund with 75% principal protection at maturity.
If, at the end of 10 years, your account shows a loss of $60k, the protection will top up your investment to 75% of $100k, which is $75k.
The insurance company will cover the $15k loss ($100k * 75% – $60k).
You will need to cover the remaining 25% loss, which is $25k.

What’s included in Segregated Funds?

Segregated Funds consist of two parts: the fund and insurance. Simply put, they are like Mutual Funds but with added insurance protection.

Ai Financial focuses on value investing, selecting funds that prioritize long-term, stable growth.
The funds are primarily composed of high-tech AI investments.
Over the past decade, our clients have enjoyed an average annual return of over 20%.

If the market crashes, what happens to the money I borrowed?

Your investment in Segregated Funds includes a maturity or death benefit guarantee (75% or 100%), which protects a portion of your initial investment. However, this protection applies only when the fund matures (e.g., 10 or 15 years later) or in case of death.
If you choose to cancel your investment during a market downturn, you will need to cover any losses beyond the guaranteed amount.
If you hold the investment until maturity, the guarantee will help recover losses based on the agreed percentage.
During market crashes, staying invested allows you to benefit from potential market recoveries, especially with long-term strategies.
You can continue paying just the interest on your loan, giving the market time to rebound while your investment grows.

This approach ensures that even during a market crash, your funds have built-in protections and time to recover.

Is my money safe? Will you move my funds elsewhere?

Your money is completely safe and remains in your own account with trusted Canadian banks or insurance companies. Ai Financial never directly handles or transfers your funds.

Here’s why your money is secure:

All funds are held under your name in accounts at Canada’s leading banks and insurance companies.
Ai Financial is fully regulated by top financial authorities.
Even in the unlikely event that Ai Financial ceases operations, your funds are protected by financial regulators and the insurance company’s safeguards.

You have full control over your funds, ensuring they are never at risk of unauthorized access.

Can I use my own money to invest?

Yes, you can use your own funds to invest.

The insurance company will charge a one-time fee of 5%, which includes Ai Financial’s service fee.
For example, if you invest $10k of your own money, $500 will be deducted as a fee, leaving $9,500 as your initial investment.
This is a one-time fee, and there are no additional charges after that.

What type of accounts can I use for investing?

For investment loans, only non-registered accounts are allowed.
If you want to invest using your own funds, we also manage registered accounts such as RRSPs, TFSAs, and RESPs.
Our team can help you choose the right account based on your financial goals.