The deal operating system for Canadian brokers.
From intake to funded — in one place. Structure any deal, see what it still needs, generate credit write-ups, match lenders, and track submissions without leaving the page.
You're a reporting entity now
As of April 1, 2025, financing and leasing entities must identify every 25%+ beneficial owner, document deal sourcing, and file suspicious transaction reports. Penalties up to $500,000 per violation.
The 35% APR cap is live
The criminal rate of interest dropped to 35% effective January 2025. FSRA found 51% of short-term lending files had APR calculation issues. A single miscalculated fee can put you over the threshold.
Funding channels are consolidating
LendCare's $178M charge-off removed a major funding source from the market. Brokers without diversified lender networks and organized pipelines are the most exposed when channels close.
Manual work slows every deal
Credit write-ups take hours. Commission invoices are manual. Lender submissions are copy-paste. The time spent on paperwork is time a deal sits unfunded.
Intake to funding.
One system.
DeltaSwap replaces the spreadsheets, manual write-ups, email chains, and disconnected tools. Every stage of the deal — structured, checked, documented, matched, submitted, tracked — in one place.
Plugs into your stack
Connect the tools you already use
Your Salesforce records, Gmail threads, and contact-form submissions flow into the same company file. No copy-paste, no re-entry.
Two-way sync
Salesforce Accounts and HubSpot Companies map onto Companies. Conflicts surfaced for resolution; pulls run on schedule.
Threads auto-link
Connect Gmail or Outlook and every thread with a contact attaches to their file. The agent reads them too.
Pipe in anything
Generate an inbound URL, drop it into your contact form or no-code tool. Recipes for cURL, Zapier, n8n, Make.
The agent
An agent that already knows your portfolio
Context is already loaded. Contacts, companies, deals, lenders, emails, documents, compliance status — the agent reads everything you can, so you can just ask. No copy-paste, no exporting CSVs to an LLM, no “here's the spreadsheet, summarize it.”
- Lives next to your deals, not in a separate tab
- Answers cite the exact deal, company, or thread
- Works as you, within your role: notes, tasks and updates happen straight away, and it asks first before anything leaves DeltaSwap or costs money, like texts, emails, scans, CRM syncs and deletes
Agent — typical broker questions
Everything between “deal comes in” and “deal funded”
Solve any deal in under a second
Newton-Raphson solver handles payment, rate, term, or principal. 6 payment frequencies. Deferments, balloons, interest-only periods, residual values. Equipment leases to sale-leasebacks to mezzanine debt. The math is exact.
LIVE ENGINE — $250,000 Equipment Lease at 7.25% for 60 months
Payment
$4,975.18
IRR
7.25%
Total Interest
$48,510.83
Total Cost
$298,510.83
Know the company before the lender asks
Full company profiles with every owner tracked. Automatic flagging of 25%+ beneficial owners. UBO attestor designation. Deal sourcing documentation. RegHub integration for KYB across all 13 provinces, PEP/sanctions screening, and PPSA registration.
Company
Maple Ridge Equipment Ltd.
Shareholders
Know if it's fundable before you submit
One checklist per deal: the client's paperwork, the FINTRAC items, and what the lender wants before funding. Each item ticks itself when the file or answer is in. Criminal rate cap and LTV warnings on the numbers.
What this deal needs
Ready to submit: 11 of 12
The credit memo writes itself
One click generates a PDF credit memorandum with borrower profile, ownership structure, deal parameters, asset details, sourcing documentation, and risk factors. Formatted for Canadian equipment lender submission standards.
Credit Memorandum
Auto-generated PDF
Fund the deal. Invoice in one click.
Professional PDF commission invoices with the sales tax built in for the province: principal, commission rate, GST, HST or PST, and the total due, calculated and formatted automatically.
Commission Invoice
The right lender for this deal. Instantly.
7-criteria weighted matching algorithm scores every lender in your network against the deal: principal range, rate, term, LTV, deal type, industry, and province. Ranked results with blocking criteria highlighted.
Lender Matches
Pacific Capital MIC
Strong Match
Westridge Credit Union
Good Match
Frontier Private Lending
Possible
Every submission, tracked.
Send each deal to its matched lenders the way they ask, and record it in DeltaSwap: submission status, lender responses and time-to-decision across your entire pipeline. No more lost emails.
Pipeline
This is running right now
Not a mockup. Not a demo environment. The solver is the same engine powering every deal on DeltaSwap. Real Newton-Raphson iteration. Real compliance validation. Real amortization math.
The system of record for Canadian equipment finance
MLS for real estate. Bloomberg for securities. DeltaSwap for equipment finance brokers.
13
Compliance Checks
FINTRAC, Criminal Rate, FSRA, LTV
18
Deal Types
Loans, Leases, Mortgages, Bridges, Structured
7
Matching Criteria
Principal, Rate, Term, LTV, Type, Industry, Province
By invitation
DeltaSwap is invite-only: your brokerage's admin sends you an invite by email. Then structure a deal, generate a credit write-up, and match lenders from day one.
What you get
- ✓Newton-Raphson solver with 18 deal types
- ✓Full company profiles with every owner tracked
- ✓FINTRAC checklist: owners, PEP, attestor, CIF
- ✓Auto-generated credit write-ups (PDF)
- ✓Commission invoicing with GST, HST or PST
- ✓Lender matching algorithm (7 criteria)
- ✓Deal pipeline with one checklist per deal
- ✓RegHub integration — KYB, UBO, PEP, PPSA
Built in Canada for Canadian brokers.