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Borrowell
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About
Borrowell was founded in Toronto in 2014 by Andrew Graham and Eva Wong, launching as an online marketplace lender that offered Canadians unsecured loans at rates well below credit cards. In 2016 it became the first company in Canada to give consumers free access to their credit scores and reports — no credit application required — and rebuilt the business around that idea: free weekly Equifax Canada monitoring paired with financial product recommendations matched to each member's profile. Today it is one of Canada's largest consumer fintechs, with more than four million members as of its ten-year mark in June 2026 and a product line that includes Molly, an AI credit coach; Credit Builder; and Rent Advantage, which reports rent payments to Equifax so renters can build credit history. Borrowell acquired credit-building lender Refresh Financial in early 2021 alongside a $25M raise that brought total equity funding to roughly $55M. Co-founder Eva Wong, its longtime COO, first pitched Borrowell on the TechTO stage in January 2015, just months after the company announced its seed round.
Backers
Roughly $55M CAD in total equity financing as of early 2021. Investors include Portag3 Ventures, White Star Capital, Equitable Bank, National Bank of Canada (NAventures), Kensington Capital Partners, BDC Capital, iA Financial Group, and Impact Engine; earlier backers include Freycinet Ventures. Its 2019 round was headlined at $57M but bundled a credit facility with $20M of equity.
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Quick answers
What does Borrowell do?
Borrowell gives Canadians free weekly credit scores and credit reports from Equifax Canada — it was the first company in the country to offer them, starting in 2016 — and pairs that with tools to improve credit: Molly, an AI credit coach; Credit Builder; Rent Advantage rent reporting; and recommendations for financial products matched to each member's profile.
Is Borrowell actually free?
Checking your credit score and report is free and uses a soft inquiry, so it does not hurt your score. Borrowell makes money on referral fees when members take up financial products recommended through its marketplace, and charges for optional tools like Credit Builder and Rent Advantage.
Who founded Borrowell?
Andrew Graham and Eva Wong co-founded Borrowell in Toronto in 2014, initially as an online marketplace lender offering unsecured loans at rates below credit cards. Wong, its longtime COO, pitched the company on the TechTO stage in January 2015, months after its seed round was announced.