LEADERS IN CANADIAN FINANCE

At EBF, we are led by the four cornerstones on which our business was founded. These cornerstones are the framework for the way that we conduct ourselves and the level of service that we offer our customers. In addition we are extremely proud to have worked alongside and continue to transform numerous Canadian businesses by helping them maintain focus on the key aspects of their business model.

“ Welcome to Express Business Funding (EBF), your trusted partner in alternative finance for businesses across Canada. For over 20 years, we’ve empowered small and medium enterprises with business funding in Canada that unlocks cash flow, drives growth, and ensures financial stability. Our financial solutions are designed to meet your unique needs with transparency and expertise. ”

– Fred Paatz, CEO of Express Business Funding

HOW WE ASSIST YOU AND YOUR BUSINESS

TRANSPARENCY

At EBF, we believe in trust-based business financing, open, and accessible communication with our customers. We work hard to build trust-based relationships with our clientele and a key aspect of this is the transparency which we provide.

We not only offer open, transparent communication, but also clear, simple, and transparent funding options. This allows our customers to make informed decisions which work toward the betterment of their business, no matter the financial facility that your business has received.

AROUND THE CLOCK ACCESS TO YOUR ACCOUNT

We have worked hard to provide our customers with an easy-to-use, accessible system which allows you to view live reports on your account. Through our client portal, access information such as the status of your account, outstanding amounts, payment dates, and much more!

SMART PAYMENT CYCLES

A common practice in the Alternative Finance industry is to remit payment in blocks, so that the longest period of accruable interest may be gained by the lender. At EBF, we strive to change this unsavory approach to lending. Instead, we settle all customer accounts as and when our client’s outstanding invoices are paid.

STABLE INTEREST RATES

At EBF, we consider every customer a valuable business partner. We do not consider our customers as “just a number” and keep our portfolio manageable to the scale of our team, to ensure that the quality of service we offer you remains outstanding throughout your journey with us. We understand that the success of your business is, ultimately, the success of ours too, and this vested interest ensures you gain a partner on whom you can count.

ALTERNATIVE FINANCE FOR MODERN, CANADIAN BUSINESS'

Our team takes pride in being a trusted financial partner across Canada. We dive deep into your operations, identify pain points, growth opportunities, and deliver strategies that guarantee success. With EBF, you’re not just getting funds; you’re gaining a partner committed to your long-term growth and sustainability.

ARE YOU BEING AFFECTED BY THESE EXPERIENCES?

Reach out to us! Growing your business has never been easier.

FINANCING OPTIONS TO KEEP YOUR BUSINESS OPERATIONAL:

We specialize in alternative financing solutions for businesses in need of capital injections that keep your business moving forward. Unlike traditional loans, our solutions are flexible and expedient – perfect for businesses needing working capital to cover taxes, payroll, inventory or any other business related expenses.

INVOICE FACTORING

Unlock cash flow trapped in unpaid invoices with our flexible factoring solutions. Accelerate your working capital without taking on additional debt. No more waiting 30,60, or 90 days to get paid. Learn about invoice factoring today.

Explore Factoring

ASSET-BASED LENDING

Leverage your company’s assets, like real estate, to secure a credit facility. Ideal for businesses seeking growth capital or operational funding.

Explore ABL

EQUIPMENT-BASED LOANS

Access capital by leveraging your existing equipment as collateral, providing you with the necessary funds for growth and innovation.

Explore EBL

DIP FINANCING

Specialized financing solutions for companies in the restructuring process. Maintain operations while navigating financial transitions.

Explore DIP Financing

M&A FINANCING

Strategic capital solutions for mergers and acquisitions. Facilitate growth through carefully structured financing packages.

Explore M&A

CONSULTING

Expert financial advisory services tailored to your business needs. Optimize capital structure and decision making.

EXPLORE CONSULTING

WHY CHOOSE EBF?

With decades of experience in the alternative finance industry, EBF combines proven expertise with a passion for supporting SMEs. We understand the unique hurdles Canadian businesses face, from seasonal cash flow gaps to unexpected setbacks. That’s why our business growth solutions are fast, flexible, and focused on your success. Unlike lenders in traditional finance, we offer help for businesses in distress and financial plans that adapt to your circumstances.

MEET THE TEAM

At EBF our strength lies in our people. Our dedicated team brings decades of expertise in alternative finance and business funding in Canada, delivering tailored financial solutions to small and medium businesses. Passionate about transparency and education, we’re here to guide you through invoice factoring, asset-based lending, and more.

Fred Paatz

CEO

fred@ebf.ca

Fred leads with a vision of innovation, integrity, and client success. With decades of experience in finance and business leadership, Fred has built EBF into a trusted name in the alternative finance industry. His commitment to providing flexible, impactful solutions has helped countless businesses across Canada grow and thrive. Fred’s hands-on leadership style and dedication to excellence continue to drive EBF’s mission of delivering personalized financial services with lasting impact.

Gareth Bird

CGO

gareth@ebf.ca

Gareth brings decades of leadership experience across finance, turn around consulting, and business development. Originally from South Africa and now a proud citizen of Canada, Gareth has a relationship first perspective with a proven track record of growing companies from mid-scale enterprises to major corporations. At EBF, he is responsible for driving growth, building strategic partnerships, and delivering innovative financial solutions. Gareth’s international perspective and strong business acumen help ensure EBF remains a leader in the evolving alternative finance industry.

Kevin Fagundes

COO

kevin@ebf.ca

Kevin plays a pivotal role in overseeing EBF’s operations and delivering exceptional client solutions. With a strong background in finance and a passion for customer service, Kevin leads by example, ensuring each client receives personalized, impactful support. Known for his problem-solving skills and hands-on leadership style, he helps foster lasting relationships with businesses across Canada. Kevin’s dedication to driving success for both clients and the EBF team is key to our continued growth and excellence in the alternative finance industry.

Jaco Habig

CFO

jaco@ebf.ca

Jaco brings extensive financial expertise and a strategic mindset to the EBF leadership team. With a background in corporate finance and data analytics, he brings passion for driving sustainable growth, Jaco oversees all financial operations, ensuring the stability and success of both EBF and our clients. His analytical approach, combined with a focus on practical, client-centred solutions, strengthens our ability to deliver tailored financial services. Jaco’s leadership is instrumental in positioning EBF at the forefront of Canada’s alternative finance market.

Monica Moldovan

Senior Key Accounts Manager

monica@ebf.ca

Monica has been an integral part of the team for over 20 years. Known for her warmth, dedication, and deep client relationships, Monica embodies EBF’s commitment to personalized service. She expertly manages client accounts, supports internal operations, and ensures every interaction reflects the EBF promise: “You are more than just a number.” Monica’s efficiency, compassion, and leadership make her a cornerstone of our business and a trusted partner to both our clients and our team.