About B2B Bank

We believe in the power of independent financial advice and the benefits of working with a representative. That's why we've based our business model on supporting the needs of financial professionals and one of the reasons why you may not know our name. We are 'behind-the-scenes' intentionally because we encourage and respect the representative-client relationship.

Headquartered in Toronto with regional representation from coast to coast, B2B Bank is a Schedule I Canadian bank that serves a network of some 27,000 financial professionals, including financial advisors and representatives, mortgage brokers and insurance manufacturers.

Over the years and through all the changes, B2B Bank has always remained fiercely dedicated to helping financial professionals fulfill their clients' financial needs through a suite of high quality, integrated financial services and solutions.

Making the most of the B2B Bank – Primerica relationship

Yes, we're a bank. But we've kept our independent, client-focused spirit as we've grown. That's why Primerica—the largest independent financial services marketing organization in North America—works with us in offering the SMART Loan referral program.

You trust Primerica; Primerica trusts us. Adding in all the benefits that a SMART Loan can offer means that you'll make the most out of a tried and true program that's dedicated to helping Canadian families looking to reduce or simplify their debts.

Paul Calderaro
English, Italian
Referral Co-ordinator

Halim Dulluku
English, French, Albanian
Lending Specialist

Wendy Kubalaika
Lending Specialist

Payton Kubi
Referral Co-ordinator

Donald MacLean
Lending Specialist

Diana Scioli
English, Italian
Manager, Lending
Sales and Service

Ayngkaran Sivanantham
Lending Specialist

"It's a small thing, but it's the client Thank You notes we get that make me passionate about the SMART Loan program."

"As a Lending Specialist, it's the sense of achievement I get when a client tells me 'I can now live comfortably and have more breathing room'"

How does the SMART Loan work?

Are you facing a crushing mountain of debt?
Take control of your finances:
Find your SMART Loan solution:

The choice is yours.

Begin your journey towards debt freedom today with your own SMART Loan solution from B2B Bank.

  1. For example purposes, assumes a penalty to break the existing mortgage of $2,800 calculated at three months interest. Mortgage breakage penalties are set by the lender and actual penalty amounts are determined at the time of mortgage discharge. Fees estimated at $1,000 may vary by province and by loan type.

  2. The monthly payment for the debt consolidation loan assumes a 5-year fixed term at 3.5% and an amortization period of 25 years. The hypothetical interest rate is for illustrative purposes only and is not indicative of a guaranteed rate on a debt consolidation loan. The Annual Percentage Rate (APR) based on the total cost of borrowing is 3.57%.

  3. The debt free date is based on the selected debt freedom solution: Accelerated, Balanced or Cash Flow.

  4. In choosing to accelerate the payment, the remaining amortization cannot be less than 10 years. This amount is applied directly to your principal.

How a SMART Loan can help you

We all dream of debt freedom and financial security. Too often, paying our monthly bills and loans leaves nothing left over to plan our financial future. A SMART Loan is a customized debt solution that can put you on the road to realizing your financial dreams. Check out the SMART Loan Fast Facts to learn the product features.

More Money in
Your Pocket

One lower monthly payment means you get the cash and flexibility you need to plan for your future.

Reduce your
Debt Repayment

Consolidating high interest credit card and personal loan debt into one fixed interest rate loan can help you achieve debt freedom faster.

Pay on your Schedule

Choose the payment frequency (monthly, accelerated weekly or accelerated bi-weekly) that fits your monthly pay dates or your debt freedom goal.

Enjoy Financial Freedom

Your SMART Loan solution
can help you ease your debt burdens, gain financial independence and reach your debt freedom date sooner.

Your financial program starts with your custom Financial Needs Analysis report.

» The Financial Needs Analysis report

Want to see how much you could save with a SMART Loan?

» The Debt Consolidation Calculator

Primerica’s Financial Needs Analysis (FNA) report

If you're like many people, you're in the dark about your finances.

You pay your bills each month and do your best to prepare for the future. But the truth is, there's only so much money to go around and preparing for the future can be overwhelming.

To help families better understand their personal finances, Primerica offers a complimentary and confidential Financial Needs Analysis.

The customized FNA report details :

  • Debt Solutions
    • Illustrates strategies for paying off credit cards and loans faster with little or no extra cash expenditure.
  • Retirement Income
    • Provides a detailed analysis of how much money you need to prepare for a comfortable retirement.
  • Education Funding
    • Projects actual costs for specific schools you select and details strategies for funding your children's education.
  • Income Protection
    • Offers a variety of strategies to ensure your family's financial future in the event you pass away prematurely.
  • Building Your Financial Future
    • Pulls all your information together by outlining specific steps to put your financial program into action.

Learn More about Primerica’s FNA

Talk to your Primerica Representative today about getting your customized Financial Needs Analysis report.

SMART Loan Stories

Check out how the SMART Loan has been helping families across Canada.

When a family is weighed down by debt, the sense of despair can be overwhelming.

One RVP’s client was caught in in the endless cycle of using all their extra cash to make minimum payments on their credit cards, with nothing left over.

The RVP could see that "their extra income that could have gone toward saving and investing for their future was going toward making minimum payments on their debt. They were feeling pretty hopeless because they couldn’t see any light at the end of the tunnel."

The RVP worked with the family to successfully get a customized SMART Loan that saved them $500 a month, which “they have been able to put toward building for their future.”

While managing day-to-day expenses is hard enough, illness or disability can put a family into a financial tailspin.

Referred by another satisfied SMART Loan client, this Primerica RVP from Pickering, Ontario met the Horvath family in a period of personal and financial distress.

“The wife had become disabled, so they had taken a hit to their income. But they still had all that debt – a mortgage, two lines of credit and credit cards, all with the same bank.

They had approached the bank about some relief but got nowhere. The bank wasn’t interested in helping this family because the bank ‘owned’ them.”– RVP, Pickering, ON

Working with their RVP, the Horvath family was able to consolidate their debts into a SMART Loan and free up $1,000 a month.

For the Horvath family, the ability to not only meet their monthly financial obligations, but begin to start saving and investing for the future, gave them a profound sense of security.

For this Pickering RVP, "When you have someone follow you to the door of their house and say, ‘I’ve been waiting for someone to help us and here you are!’ – that’s a great feeling."

This particular Milton Representative’s client story is familiar to so many Canadian families.

The client earned a good income and wanted the best for his family and future. Starting on the right path, he had invested in life insurance through Primerica, understanding the importance of planning for the future.

But he had a big problem, according to his Representative. “Even though my client earned a good income, he had built up a lot of debt with a credit card and a line of credit, as so many people have done these days. With all his family’s living expenses and the debt payments, he was struggling, living paycheque to paycheque with no hope of ever getting out of debt, or being able to save for retirement or his children’s education.”

This Representative from Milton recognized that the B2B Bank SMART Loan was an excellent solution for his client and a way to put his client’s family on the right path to financial freedom.

Here’s what the SMART Loan was able to do for his client:

Today, the Representative has a very pleased client on his hands. “Now, my client is able to start contributing monthly to his RRSP. He’s also opened an RESP for his children’s university costs and has been able to increase his life coverage. Because of the SMART Loan, we have a family properly protected and on their way to being debt free and financially independent.”

How to apply for a SMART Loan

SMART Loan Requirements

If you can answer YES to all of the following questions, you can apply for a SMART Loan:

1. Are you currently a homeowner?
2. Are you a Canadian resident?
3. Are you currently employed, or do you have a source of income?
4. Have you submitted a SMART Loan Referral Card to B2B Bank through a Primerica Representative?

SMART Loan Referral Card

If you do not have a Primerica Representative, find one in your area here.

Start your SMART Loan journey
towards debt freedom today!

Before you get started, download the SMART Loan Referral Card and Application Checklist to learn what information and documentation you will need.