Investment Loan Workflow — online submissions

The online loan application allows you to enter, save, print, and submit loan applications.

1

Log in to EASE. Click on "New Loan" at the top of the page and select the program of your choice.

If you're not yet registered, click on the "Not Yet Registered" link and fill in the Enrollment page.

2

Complete all tabs of the application. Print and review for accuracy.

Make sure the information is accurate before you submit it for credit review. Changes cannot be made to the application after it has been submitted. Ensure you and your client(s) sign all documents.

3

Submit for credit review.

This is the final step that sends the application electronically to B2B Bank.

4

You will receive an email notification within seconds confirming the status of the application.

If the status is:

  • Under review by dealer: dealer will review and, if approved, forward to B2B Bank for adjudication.¹
  • Conditional approval: you will be contacted by email and/or fax. See step 5.
  • Under credit review: you will be contacted with a decision by email and/or fax.
  • Credit declined: you will be contacted by email and/or fax.

Complete the application and required supporting documentation with your client(s).

Ensure you and your client(s) sign all documents.

Proof of income and assets: required. 

Supporting documentation for mutual fund investment loans may include:

  • Void cheque (from a personal account)
  • Letter of Direction – required only if paying out a loan at another financial institution
  • Pledge Letter¹ and/or cheque payable to B2B Bank, B2B Bank Financial Services Inc., B2B Bank Securities Services Inc. or B2B Bank Intermediary Services Inc. (whichever is applicable) – required if paying out a loan at another financial institution, OR if your client is pledging collateral on a 3 for 1, 2 For 1 or 1 For 1 Loan
  • If pledging cash or eligible fund collateral (not related to a payout), these transactions must be added to a new or existing investment account prior to the funding of the loan. When opening a new investment account for the purposes of pledging cash or eligible fund collateral prior to the funding of the loan, a complete investment account application must be submitted to B2B Bank Dealer Services. Not applicable to investment accounts at B2B Bank.
  • Movable Hypothec (Quebec only)

For mutual fund loans from the B2B Bank Distribution Alliance Loan Program or the B2B Bank Select Loan Program, you also need to include:

  • Letter of Privilege

For Distribution Alliance segregated fund loans, you need to include:

  • Void cheque (from a personal account)
  • Letter of Direction – required only if paying out a loan at another financial institution
  • Notice of Investments² and/or cheque payable to B2B Bank – required if paying out a loan at another financial institution, OR if your client is pledging collateral on a 3 for 1, 2 For 1 or 1 For 1 Loan
  • Assignment, Hypothecation, Acknowledgement and Direction Original life insurance application
  • Movable Hypothec (Quebec only)

1Some dealers may request an initial review of all documentation. Investment dealers must review and approve all loan applications before B2B Bank can start the adjudication process.

2Investment advisors or dealers must place the initial purchase order directly via FundSERV using the intermediary code: MRS (for B2B Bank Financial Services Inc. investment accounts), MRCC (for B2B Bank Intermediary Services Inc. investment accounts) or MSSI (for B2B Bank Securities Services Inc. investment accounts) or BTBB (for B2B Bank investment accounts). Advisors also have the option of using Advisor Access or their dealer back office systems. For independent MGAs, initial and subsequent transactions are entered manually by B2B Bank.