Build a Bank Ready Business Credit Profile.

Get Approved for Funding, Vendor Accounts, or a Business Line of Credit with verified documents, structured reports and real support.

The Problem

Entrepreneurs Lack Lending Visibility

Canada’s gig economy is booming, but traditional banks still use outdated approval systems. Without CRA slips, predictable payroll, or years of credit history, freelancers and small business owners are seen as high risk, even if their income is stable.

Underwriting Rules Deny Applications

Banks and lenders rely on rigid underwriting workflows built for 9–5 businesses. These systems expect structured income docs, proper company setup, and trust signals. Without these, your application is auto-flagged, not because your business is weak, but because your profile isn’t optimized for funding.

How Replicas Solves This

Replicas bridges the gap between real world income and what underwriters expect to see. By transforming inconsistent or unconventional earnings into structured, bank-ready documentation, we help small businesses, gig workers, and freelancers present a trustworthy financial profile. Our custom Trust Report and document suite are built to align with the exact criteria lenders use, enabling you to apply for credit, funding, and vendor accounts with confidence. Whether you are just getting started or have been rejected before, Replicas positions your business to look reliable, structured, and ready for approval.

Verified Income Summary

Professional Earnings Verification Letter

Corporate Identity Report

Incorporation & Registration Overview

Business Residency Confirmation

Director Verification Pack

Built for Real Funding


We understand your business.
You complete a short intake form outlining your income streams, company setup, and funding goals. From there, our team maps out how your profile needs to be structured to align with lender expectations, even if you’re newly incorporated or self-employed.


We build your credit-ready profile.
Using your inputs, we prepare a professional document suite: income verification, director identification, and a custom Trust Report. Each element is formatted to match what real Canadian lenders, banks, and vendor systems look for when reviewing small business applications.


You apply with confidence.
Within 24–48 hours, you’ll receive your full package in an organized folder, ready for submission. You will also get a usage guide with recommendations on which lenders, vendors, or funding options to target first, based on your current profile strength.

Frequently Asked Questions

  • Yes, this package is specifically designed for business owners, freelancers, and gig workers who operate without formal CRA slips or personal tax returns. We provide structured financial documents that present your income in a way lenders understand and trust.

  • All documents are professionally formatted and aligned with common industry standards. We do not impersonate government agencies or falsify public records, we build custom financial packaging to help you present your real business more clearly and confidently to decision-makers.

  • This package is suitable for applying to business lines of credit, vendor trade accounts, equipment leases, auto financing, and some grant programs. It’s built to help you pass the first layer of underwriting, where structure and trust signals matter most.

  • No problem, we can guide you through the incorporation or registration process and include that setup in your package if needed. Even new businesses can benefit from looking organized and fundable from day one.