Vault Circle Inc. is a digital lending investment firm that connects accredited investors with short-term, high-yield small business loans in the form of investor notes. These investments will appeal to investors seeking income and strong portfolio cash flows. Vault Circle is an affiliate of Lendified Inc., a premier online provider of working capital loans to Canadian small businesses

Competitive Returns, Diversification and Cash Flows

The emergence of digital lending has created a new investment opportunity for income-seeking Accredited Investors. Vault Circle provides accredited investors with access to high-yield Canadian small business loans from creditworthy businesses. Our investment platform offers a simple and transparent way to access a diversified portfolio of quality loans, tailored across business sectors, credit grades and investment yields to minimize risk. Investors will receive regular monthly interest payments.

The Vault Circle Difference

Vault Circle will allow investors to access compelling investment opportunities in the rapidly growing digital lending fixed income asset class. Vault Circle’s platform will facilitate the allocation of capital across a wide range of small business loans with diversified loan allocation strategies. We are leveraging our extensive management experience, proprietary data and sophisticated analytics engine to provide high quality investment products.

Our Credit Risk Assessment Process

The loan approval process and determination of interest rates are based on Lendified’s proprietary “LendScore” credit scoring engine that uses multiple credit criteria designed to select the most creditworthy borrowers. “LendScore” aggregates and analyzes thousands of data elements and attributes related to business owners, their business, the industry in which they operate, and key markets that are reflective of a particular business’ credit performance.

Who can Invest?

Investments under Vault Circle are not publicly offered. They are only available under Accredited Investor exemptions to investors in Ontario and British Columbia who meet certain eligibility or minimum purchase requirements. Information herein pertaining to Vault Circle is solely for the purpose of providing information and is not to be construed as a public offering in any jurisdiction of Canada. Any securities distributed through the site will be issued pursuant to applicable prospectus exemptions set out in National Instrument 45-106 - Prospectus and Registration Exemptions and other applicable securities legislation. Vault Circle is only accepting investments from any investors in Ontario and British Columbia until approved by additional relevant securities regulators.

The following qualifies as an accredited investor:

  • An individual who, alone or together with a spouse, owns financial assets worth more than $1 million before taxes but net of related liabilities or
  • An individual, who alone or together with a spouse, has net assets of at least $5,000,000.
  • An individual whose net income before taxes exceeded $200,000 in both of the last two years and who expects to maintain at least the same level of income this year; or
  • An individual whose net income before taxes, combined with that of a spouse, exceeded $300,000 in both of the last two years and who expects to maintain at least the same level of income this year
  • An individual who currently is, or once was, a registered adviser or dealer, other than a limited market dealer
  • Financial institutions
  • Governments and governmental agencies
  • Insurance companies
  • Pension funds
  • Registered charities
  • Certain mutual funds, pooled funds and managed accounts
  • Companies with net assets of at least $5 million
  • Persons or companies recognized by the OSC as an accredited investor

Suitability and Concentration of Investments

Registrants should recognize that diversification is an important factor when assessing suitability of investments. The lack of investment portfolio diversification may expose the clients to significant investment risks.

Securities regulators will consider investments (either individually or taken together with prior investments) in securities of a single issuer, such as Vault Circle, that represent more than 10% of the investor’s net financial assets as potentially raising suitability concerns due to concentration. Vault Circle will take measures to monitor a client’s total investment in Vault Circle to not exceed thresholds which would result in the investment being unsuitable.

Securities offered through Vault Circle are only suitable for accredited investors who are familiar with and willing to accept the risk associated with private investments. Investing in exempt markets requires high–risk tolerance, low liquidity concerns and long–term commitments. Investors must be able to afford to lose their entire investment. Carefully consider the investment objectives, risk, charges and expenses of any investment product prior to investing.

Contact Us

For more information about Vault Circle and their investments, please contact us either through the form or directly by emailing

Phone: 1-844-451-3594


Office (Toll Free): 1.844.451.3594

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