A Canadian fintech that does the math on every financial decision.
Calculators, comparison tools, and ranking algorithms — all built from scratch and calibrated to how Canadians actually spend. We partner with Canada’s major banks, layer exclusive cashback bonuses on top, and send the rebate to your bank account via Interac e-Transfer.
Our mission
Make every Canadian financial decision pay you back.
Banks, credit-card issuers, and brokerages spend millions each year acquiring new Canadian customers. We think a meaningful chunk of that should land back in the customer’s bank account — not get spent on a billboard. So we built Finly: deep math on every offer, exclusive cashback negotiated with each issuer, and a payout sent to your bank account via Interac e-Transfer.
$1.7M
Paid back to members in cash rebates
150+
Credit cards, banks & brokerages scored
30+
Financial institution partnerships, including most major banks
How Finly stays free
Affiliate-funded, member-paid.
We’re an affiliate-based fintech — and we’re happy to say so right on the about page. Here’s the loop, in plain English.
Step 01
Banks pay us when you sign up
Canada’s major banks, credit-card issuers, and brokerages pay us an affiliate commission for every approved member we send their way. It’s the standard affiliate model the finance-comparison industry runs on — we just share more of it back with you.
Step 02
We share that commission with you
Most of that commission gets paid right back to you as a cash rebate via Interac e-Transfer. The rest funds the team and the tools. You get the offer you’d have gotten anyway, plus a real-cash bonus on top from us.
Commission rates differ by issuer, and they never influence how we rank or review products — that line is enforced at the workflow level. Full details in our editorial charter and rating methodology.
Built for accuracy
We obsess over the math so you don’t have to.
Every Finly recommendation runs through algorithms we built from scratch — calibrated to Canadian spending categories, Canadian merchant networks, and Canadian fine print. Nothing is borrowed from a US comparison site, and nothing is rounded into a marketing number.
Cap-aware math
Every “up to $X/month” limit is real to us
Reward caps, monthly category limits, annual maximums, and accelerator drop-offs are all encoded as piecewise functions. So when a card says “4× on groceries up to $500/month” we apply the 4× to the first $500 and 1× to the rest — not a blended average that flatters the issuer.
Tuned to Canadian wallets
Our merchant logic is built for how Canadians actually spend
Costco and Walmart fall under non-grocery MCCs here. Loblaws-banner stores classify differently than independent groceries. Network acceptance gaps (Amex vs Visa/Mastercard) are factored in. Every algorithm is calibrated to Canadian merchant categories, not borrowed from a US comparison site.
Personalized to you
Drop in your statement — get math on your real spending
Our rewards calculator accepts a real credit-card statement upload. We auto-categorize the transactions, run them against every card in the catalogue, and rank them by what they would have paid back to *you* — not a hypothetical average.
The team
A small team. A lot of personal finance.
Engineers, finance nerds, editors — all based in Canada, all obsessed with shipping a fairer way to discover financial products.
Founder
Founder & CEO
Abid Salahi
Abid leads the entire engineering and product surface of Finly — from backend architecture to frontend implementation — and runs partnerships and business operations. He's driven by best practices and building fluid user experiences.
Team leads
Director of Partnerships
Shang En Liu
Shang owns the partnership side of Finly end-to-end — managing the working relationships with Canadian banks, credit-card issuers, and brokerages, plus the compliance and day-to-day operations that keep those partnerships healthy.
Lead Content Writer & Editor
Sara Skodak
Sara owns the editorial voice across Finly — credit-card reviews, banking guides, and the long-form research that powers every recommendation on the site. She's also our enforcer of the editorial charter.
Our partners
Plugged into Canada’s major banks & brokerages.
We work directly with the institutions you already know. Every offer surfaced on Finly is reviewed against the issuer’s official terms before it goes live.
Partner roster grows constantly. Trademarks belong to their respective owners.
What we’re about
Four things that make Finly, Finly.
Canadian
Built in Canada 🇨🇦
Finly is a Canadian fintech with a team spread across BC and Ontario. Our offers, terms, and tax framing all assume you're a Canadian resident — because we are too.
Independent
Editorially separate from revenue
Commission rates never decide what we rank highly. Reviewers don't see what we earn on a card before they score it. Full charter is published.
Data-driven
Math first, marketing second
Every recommendation traces back to a first-year value equation built from issuer terms — not back-of-the-napkin guesses or partner-friendly framing.
Cash, not points
Paid via Interac, full stop
No gift cards, no points to redeem, no portal you have to remember to log into. Once your rebate clears, we send it as an Interac e-Transfer straight to your bank.
Now you’ve met the team — go explore what we built.
The homepage is the easiest way in — calculators, comparisons, cashback offers, and our quiz are all linked from there. Or drop us a note if you have an idea, a tip, or a partnership to discuss.