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*$500 Best Rate Guarantee  Learn more

With Capital Direct Flexi Line™ you can take what you need when you need it, and pay it down when it works for you.

Pay back at your own pace minimum payment requirements.
Pay some, borrow some more. It's a perfect way to deal with
unexpected expenses or plan for desired renovations.

We Lend Money To Homeowners

Renovate and upgrade your home, consolidate and simplify your debts, expand or support your business - whatever you need the money for, you can turn your home’s value into money you can work, plan and live with.

Capital Direct’s rapid approvals are based primarily on the equity value of your home, so you'll have your money within days.

Could you use $80,000, $280,000 or even $2.8 million?

Apply online or call us today to get approved.

3 Simple Steps

1. Apply Online

or call 1-800-NEW-CAPITAL (1-800-639-2274)
to talk directly to a mortgage specialist.

2. Get Approved
Your home equity is the key to your approval.

3. Get Your Money
Loan funds can be deposited into your bank account
within 3 business days of your approval.

Sick of home-owner stress, retirees can invest windfall from sale


October 15, 2024
Retirement brings for many the need to simplify. And a trend in paring down has even hit close to home within my own family. In retirement it’s natural to want to remove the stress that comes with owning a single-family home...

Read "Sick of home-owner stress, retirees can invest windfall from sale" »

FP Answers: What investments other than GICs protect buying power?


October 11, 2024
Bonds have earned their place as a sensible diversifier of returns over the long term...

Read "FP Answers: What investments other than GICs protect buying power?" »

From small to extraordinary: The effect of compounding in investing


October 10, 2024
Compounding is one of the most elementary and popular investing strategies available to all levels of investors...

Read "From small to extraordinary: The effect of compounding in investing" »

Customer Stories

Family & friends have been recommending Capital Direct for years. Hear what our customers have to say about working with Capital Direct.

Bill Good talks to Rob about his completed Home Renovation with Capital Direct below:

As we all know, the best part of a project is being done. Could you use $300,000 or more to organize your life?

View more customer stories here »

Read latest ‘Balance’ for free!

Our monthly e-newsletter to help you and your family got the most out of home ownership.

Current balance Newsletter for FREE!

Read our Current issue »
Fall Decor Ideas That Won’t Break the Bank, Should You Renovate Before Winter? Thanksgiving Showdown, What People Say About Us, October Sudoku



Capital Direct I Income Trust is Championing Single Mothers Together

Capital Direct's Impactful Partnership with Cause We Care: A Season of Giving

As we start the year with excitement about initiatives and goals for 2024, we at the Cause We Care Foundation want to reflect and acknowledge, Capital Direct who played a part last year in our mission to help single mothers achieve economic security and create positive futures for themselves and their children...



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Loan terms range from 12-24 months. For a representative example of a $150,000 equity loan, the total cost of the loan, including all applicable fees, would be $34,540.97, resulting in an APR of 10.92%.