Invest smarter with AI-driven lending
Invest smarter with AI-driven lending
Invest smarter with AI-driven lending
Invest smarter with AI-driven lending
Data-powered insights and transparent borrower analytics — bringing institutional-grade fractional mortgage opportunities to everyday investors.
Data-powered insights and transparent borrower analytics — bringing institutional-grade fractional mortgage opportunities to everyday investors.
Data-powered insights and transparent borrower analytics — bringing institutional-grade fractional mortgage opportunities to everyday investors.
Investment opportunities available to eligible investors in accordance with FSRA regulations.
Returns are not guaranteed and depend on underlying loan performance.
Investment opportunities available to eligible investors in accordance with FSRA regulations.
Returns are not guaranteed and depend on underlying loan performance.
Investment opportunities available to eligible investors in accordance with FSRA regulations.
Returns are not guaranteed and depend on underlying loan performance.
Investment opportunities available to eligible investors in accordance with FSRA regulations.
Returns are not guaranteed and depend on underlying loan performance.
How we transform lending
How we transform lending
How we transform lending
A data-driven approach that goes beyond the traditional credit score.
Loanova evaluates a broader range of indicators, including spending behavior, income stability, rent payment history and education background — to better understand each borrower’s financial profile.
Including secure, real-time banking data through Plaid — to uncover meaningful financial patterns and risk factors for our credit team. Each borrower receives an internal Loanova grade (A–D) that reflects their risk-adjusted profile and expected yield potential, shared transparently with investors.
Investors can access anonymized loan insights — empowering diversification and informed decision-making through clear, transparent information.
*Loanova’s credit grading model is proprietary and used for internal assessment. Grades and yield ranges are illustrative and not guaranteed. All lending decisions are subject to human review and regulatory compliance.
Why choose Loanova
Why choose Loanova
Why choose Loanova
Why choose Loanova
A transparent, data-driven platform designed for modern mortgage investing.
A transparent, data-driven platform designed for modern mortgage investing.
A transparent, data-driven platform designed for modern mortgage investing.
A transparent, data-driven platform designed for modern mortgage investing.
Loanova brings institutional-grade diligence and AI together to make private mortgage investing transparent, fractional, data-driven, and accessible.
Loanova brings institutional-grade diligence and AI together to make private mortgage investing transparent, fractional, data-driven, and accessible.
Loanova brings institutional-grade diligence and AI together to make private mortgage investing transparent, fractional, data-driven, and accessible.
Loanova brings institutional-grade diligence and AI together to make private mortgage investing transparent, fractional, data-driven, and accessible.
1
Diversified
exposure
Diversified exposure
Diversified exposure
Diversified exposure
Access diverse mortgage opportunities across borrower types and properties, reducing risk through diversification.
Access diverse mortgage opportunities across borrower types and properties, reducing risk through diversification.
Access diverse mortgage opportunities across borrower types and properties, reducing risk through diversification.
2
Transparent performance data
Transparent performance data
Access anonymized loan data and aggregated performance metrics through your dashboard, enabling informed investment decisions.
Access anonymized loan data and aggregated performance metrics through your dashboard, enabling informed investment decisions.
Access anonymized loan data and aggregated performance metrics through your dashboard, enabling informed investment decisions.
3
Secure and
compliant
Secure and compliant
Secure and compliant
Secure and compliant
Loanova, upon regulatory approval, will operate under FSRA oversight, ensuring strict compliance and responsible investment management.
Loanova, upon regulatory approval, will operate under FSRA oversight, ensuring strict compliance and responsible investment management.
Loanova, upon regulatory approval, will operate under FSRA oversight, ensuring strict compliance and responsible investment management.
4
Technology that enhances decisions
Technology
that enhances decisions
AI models assess borrower data and highlight risks for greater investment transparency, always reviewed by our credit team.
AI models assess borrower data and highlight risks for greater investment transparency, always reviewed by our credit team.
AI models assess borrower data and highlight risks for greater investment transparency, always reviewed by our credit team.
Loanova provides access to mortgage investment opportunities in accordance with provincial securities regulations. All investments carry risk, including possible loss of principal.
Understand potential yields by credit grade
Understand potential yields by credit grade
Understand potential yields by credit grade
Diversified returns aligned with underlying borrower profiles.
Diversified returns aligned with underlying borrower profiles.
Diversified returns aligned with underlying borrower profiles.
A
A
A
A
5.25 %
5.25 %
5.25 %
5.25 %
Strong borrower profile, lower-risk loans.
Strong borrower profile, lower-risk loans.
Strong borrower profile, lower-risk loans.
B
B
B
B
5.95%
Balanced borrower profile with moderate risk.
Balanced borrower profile with moderate risk.
Balanced borrower profile with moderate risk.
Investor yields vary by borrower grade, balancing risk and return across A–D profiles.
*These ranges are illustrative examples only and may differ once live offerings become available.
C
C
C
C
7.30%
7.30%
7.30%
7.30%
Higher risk, higher-yield potential.
Higher risk, higher-yield potential.
Higher risk, higher-yield potential.
D
D
D
D
8.50%
8.50%
8.50%
8.50%
Alternative credit profile, highest yield and risk.
Alternative credit profile, highest yield and risk.
Alternative credit profile, highest yield and risk.
*Rates are net of Loanova management fees and assume no prepayments on a 3 year term. 5 year rates are higher. Rates are subject to change, based on overall market conditions and Bank of Canada rate decisions.
AI-assisted Analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed assessments.
Verified data partnerships
Verified data partnerships
Through integrations with trusted partners like Plaid and Accept Pay Global, Loanova ensures borrower information is verified, up-to-date, and transmitted securely across our platform.
Built-in security and compliance
Built-in security and compliance
Loanova follows FSRA standards and implements robust data encryption, multi-layer authentication, and real-time monitoring to safeguard investor and borrower information.
AI-assisted Analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed assessments.
Verified data partnerships
Verified data partnerships
Through integrations with trusted partners like Plaid and Accept Pay Global, Loanova ensures borrower information is verified, up-to-date, and transmitted securely across our platform.
Built-in security and compliance
Built-in security and compliance
Loanova follows FSRA standards and implements robust data encryption, multi-layer authentication, and real-time monitoring to safeguard investor and borrower information.
The technology that powers intelligent investing
The technology that powers intelligent investing
The technology that powers intelligent investing
A secure, data-driven platform built for clarity, accuracy, and compliance.
A secure, data-driven platform built for clarity, accuracy, and compliance.
A secure, data-driven platform built for clarity, accuracy, and compliance.
Loanova’s technology brings together advanced analytics, open-banking integrations, and real-time data visualization to give investors a transparent view of every opportunity.
AI-assisted Analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed decisions.
Verified data partnerships
Verified data partnerships
Through integrations with trusted partners like Plaid and Accept Pay Global, Loanova ensures borrower information is verified, up-to-date, and transmitted securely across our platform.
Built-in security
Built-in security and compliance
Loanova follows FSRA standards and implements robust data encryption, multi-layer authentication, and real-time monitoring to safeguard investor and borrower information.
AI-assisted analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed assessments.
Verified data partnerships
Efficient Planning and Real-Time Tracking
Plan tasks, set priorities, and track progress with ease to ensure projects stay on track and deadlines are met with minimal effort.
Built-in security and compliance
Organize Events and Share Documents
Effortlessly manage events, share important documents, and collaborate with your team to ensure everything is in one place and easily accessible.
AI-assisted analytics
AI-assisted analytics
Our proprietary algorithms process borrower data from verified sources, identifying key trends and financial indicators that help our credit team make informed, data-backed assessments.
Verified data partnerships
Efficient Planning and Real-Time Tracking
Plan tasks, set priorities, and track progress with ease to ensure projects stay on track and deadlines are met with minimal effort.
Built-in security and compliance
Organize Events and Share Documents
Effortlessly manage events, share important documents, and collaborate with your team to ensure everything is in one place and easily accessible.
Figures shown are illustrative and for educational purposes only. Actual yields depend on portfolio composition, market conditions, and borrower performance. Investments are not guaranteed and carry risk, including possible loss of principal.
Start your investment journey with Loanova
Start your investment journey with Loanova
Become a part of the world’s first AI-driven fractional mortgage platform — connecting investors to real-world, data-backed lending opportunities.
Become a part of the world’s first AI-driven fractional mortgage platform — connecting investors to real-world, data-backed lending opportunities.
Become a part of the world’s first AI-driven fractional mortgage platform — connecting investors to real-world, data-backed lending opportunities.
Available to eligible investors in accordance with FSRA regulations. Investments are not guaranteed and carry risk.
FAQ
FAQ
FAQ
FAQ
Questions?
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Questions?
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Questions?
We’ve Got Answers.
Questions?
We’ve Got Answers.
What exactly am I investing in?
What exactly am I investing in?
What exactly am I investing in?
What exactly am I investing in?
Who can be an investor?
Who can be an investor?
Who can be an investor?
Who can be an investor?
How are investor yields determined?
How are investor yields determined?
How are investor yields determined?
How are investor yields determined?
Is my investment secured?
Is my investment secured?
Is my investment secured?
Is my investment secured?
How do you evaluate borrowers?
How do you evaluate borrowers?
How do you evaluate borrowers?
How do you evaluate borrowers?
How do you keep my data safe?
How do you keep my data safe?
How do you keep my data safe?
How do you keep my data safe?
When do I receive payments?
When do I receive payments?
When do I receive payments?
When do I receive payments?
Where do you operate?
Where do you operate?
Where do you operate?
Where do you operate?
What are your management fees?
What are your management fees?
What are your management fees?
What are your management fees?
Are you regulated?
Are you regulated?
Are you regulated?
Are you regulated?