Canadian Credit Builders

Excelerator Bright Future Program

With our Excelerator Bright Future Program, you are able to start rebuilding your credit right way instead of having to wait until your Consumer Proposal, Bankruptcy or Credit Counselling Debt Managment program is over.  Good credit is Built, Created, or Restored by having new trade lines report to your credit bureau files, making your payments on time all the time, and building a long history of repayments. By enrolling in our Excelerator Bright Future program you will receive a new trade line which is reported to the Credit Bureau.

Funding Requirements:

  • Minimum $1000 gross monthly income
  • Debt to income less than 50%

Submission Requirements:

Loan Documents:

  • Select A Secured Savings Loan Amount: $1815, $2315, $3315
  • Choose your repayment schedule: Weekly, Bi-Weekly, Semi-Monthly or Monthly
  • Choose your repayment terms: 18, 24, 36 months
  • Choose your first payment date

Application – To qualify you must:

  •  Be a Canadian citizen or resident
  •  Have reached the age of majority in the province you live in
  •  Have a valid account with a Canadian bank or other financial institution
  •  Have a valid email address

Valid ID:


  • Void Cheque
  • Signed Pre-Authorized Debit Form

Email all to: info@excelus.ca

Our Program Benefits

  • Improve your credit score
  • Build an emergency saving account
  • No upfront fees
  • Learn about credit – your rights and your responsibilities
  • Trade Line reports to the credit bureau
  • Get approved in minutes
  • Achieve your goals faster


Our Excelerator Bright Future Program provided secured savings loans which allow you to save money while building an excellent credit rating and improving your score. You do not have to pay any upfront, our plan is incredibly affordable, and with an excellent credit rating, you will save on money interest because you will qualify for better loan rates on other financial products.

With our Excelerator Bright Future program, you do not receive cash up-front. However, you can access your savings during the term of your loan based on the amount of equity you have accrued. You can build up savings and reach your financial goals using our very flexible repayment plans. Are you in bankruptcy, a consumer proposal, credit counseling or a debt management program? The Bright Future program will help you to rebuild your credit and get approved for future loans. Alternatively, if you are a student or an immigrant, the Excelerator Bright Future program is an excellent way to start building up your credit rating.