Bridger is loan software for private lenders in Canada. It checks every loan against the legal limits, writes the agreement, tracks every payment, and keeps your records for 7 years.
Start your 14-day free trialNo card needed. From $9 a month.
Spreadsheets and e-transfers leave you guessing. Bridger handles the parts that protect you.
Every loan is checked against the Criminal Code's 35% APR limit before you can save it, with warnings for Alberta's high-cost and payday loan licensing lines.
Loan agreements with a co-borrower, plus a vehicle security agreement for car loans, filled in from the loan's terms.
Schedules, balances, missed payments and how far behind each borrower is. Payments can't be edited, only corrected.
Connect your Rotessa account and Bridger sets up the debits and records each payment, flagging any that bounce.
Interest and fees earned each year, split from principal, ready for your accountant. Plus payoff letters and statements for borrowers.
File checklist, identity records, FINTRAC notes for vehicle and equipment lending, a $10,000 cash flag, and a permanent audit trail.
Rotessa is a great payment service, and Bridger works with it. But moving money is only one part of running a loan.
| What you need | Rotessa alone | Bridger |
|---|---|---|
| Calculate payments, interest and APR | No | Yes |
| Block illegal rates and warn about licensing | No | Yes |
| Loan and vehicle security agreements | No | Yes |
| Track arrears and missed payments | Bounced debits only | Yes |
| Borrower reminders and thank-you messages | No | Yes |
| Cash and e-transfer payments in the same record | No | Yes |
| Tax summary, payoff letters, statements | No | Yes |
| Collect payments by pre-authorized debit | Yes | Yes, with your Rotessa account |
Enter the borrower, co-borrower and terms. Bridger checks the rate is legal.
Print the agreement Bridger fills in and keep the signed copy on file.
Record e-transfers and cash, or turn on automatic payments with Rotessa.
See who's behind, send reminders, and download your records anytime.
Watch: set up automatic payments in 1 minute
How Bridger and Rotessa work together (YouTube)
Every plan includes every feature. Lending to one or two people? Pay $9 a month, plus $5 for each extra loan. Bigger loan book? Pick a plan size, and pay yearly to get 2 months free.
$9/mo
$19/mo
$29/mo
$49/mo
$99/mo
Prices in CAD. Paid-off and archived loans don't count toward your limit. Automatic payments use your own Rotessa account, billed by Rotessa separately. Free setup help included.
No card needed. Questions? Email hello@esiwway.com and we'll help you set up.
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