Real-Time Disbursements: A Competitive Edge for Modern Lenders

The Lending Landscape Is Changing

Canadian lending has entered a new era. Borrowers no longer judge lenders only on rates — they evaluate the entire experience, from application to disbursement.

Today’s consumer expects instant access, mobile-first convenience, and full transparency. Waiting days for loan funds to clear feels outdated, especially in a world where digital wallets and instant transfers have become the norm.

For lenders, that expectation isn’t just about convenience. It’s about competitiveness. The institutions that move money faster win — both in market share and borrower trust.

The Cost of Slow Disbursements

Traditional disbursement methods like EFT batch processing or wire transfers often delay loan funding by one or more business days. These delays:

• Create friction during onboarding

• Increase borrower inquiries and support costs

• Cause abandonment in the loan approval process

• Weaken borrower confidence at a critical stage in the relationship

In short, a slow payout process can cost a lender both efficiency and loyalty.

Why Real-Time Disbursements Are Becoming the Standard

Real-time payments through Interac e-Transfer for Business have changed how Canadian lenders move funds.
Unlike traditional EFTs or wires, Interac allows money to move instantly and securely, 24/7, including evenings, weekends, and holidays.

This capability enables lenders to:

• Fund approved loans within minutes

• Improve the borrower experience through transparency and immediacy

• Reduce operational bottlenecks during high-volume periods

• Strengthen fraud prevention through verified transfers

It’s not just a better process — it’s a new expectation.

The Competitive Edge in Lending

Speed has always been an advantage in lending. But speed with security is what differentiates leaders today.
When borrowers can see funds hit their account within moments of approval, it builds immediate confidence and satisfaction.

Real-time disbursements:

• Shorten the conversion window between approval and funding

• Improve repeat loan adoption rates

• Enhance brand reputation as a “responsive” lender

• Reduce chargebacks and administrative follow-up

In a competitive market, that trust translates directly into retention.

How Accept/Pay Global Enables Instant Loan Disbursements

At Accept/Pay Global (APG), we’ve built a platform that gives lenders instant access to secure, compliant Interac-powered disbursements.

APG’s Real-Time Payments solution integrates directly with lender systems via API, allowing approved loan funds to be pushed instantly to the borrower’s verified bank account.

Here’s how it works:

1. The lender initiates a payout request through their platform.

2. APG validates the transaction and routes it securely via Interac.

3. The borrower receives funds within seconds.

This process is fully FINTRAC-compliant, logged for audit, and compatible with enterprise-scale workflows — ideal for both digital lenders and traditional financial institutions.

Operational and Compliance Benefits

Real-time payouts are not only about customer experience — they also deliver measurable internal efficiencies:

• Reduced Reconciliation Time: Instant confirmations replace manual end-of-day batch reports.

• Fewer Support Tickets: Borrowers no longer contact support to confirm deposits.

• Improved Fraud Controls: Verified account-to-account transfers reduce exposure to misdirected payments.

• Lower Overhead Costs: Automating payouts frees teams from repetitive processing.

By integrating APG’s Interac solution, lenders can simplify disbursement management while staying ahead of compliance and audit requirements.

Case Example: Improving Borrower Retention

A mid-size consumer lender using APG’s real-time payments saw a 22% increase in same-day loan completions after switching from standard EFTs to instant payouts.

Borrowers who received immediate access to funds were significantly more likely to return for additional products, driving a measurable uplift in lifetime customer value.

That’s the impact of instant gratification — combined with reliability.

Why Lenders Are Acting Now

Interac’s national reach and the rise of open banking in Canada are accelerating the transition to real-time financial infrastructure.
Borrowers have already adapted their expectations through experiences with e-commerce, e-wallets, and peer-to-peer platforms.

Lenders that delay modernization risk being left behind — not because of poor rates, but because of outdated experiences.

The Future of Lending Is Real-Time

Borrowers want funds now, not next week. And lenders need the ability to deliver that speed securely, compliantly, and at scale.

Accept/Pay Global gives them the infrastructure to do exactly that — through real-time, Interac-based disbursements that deliver instant results and long-term trust.

Because in modern lending, every second counts.