Buffer Financial helps Canadian employers give their people a fair option when money gets tight. An unexpected car repair, a dental bill or a short gap between paycheques can push working people toward high-cost credit. Buffer offers a voluntary financial wellness benefit that gives eligible employees access to affordable, structured personal loans, typically $100 to $1,500, for emergencies and short-term needs. How it works for employees: • Loans are repaid over 1 to 6 months, at 12% to 18% APR. • A one-time 29-day interest-free period: repay in full within 29 days of payout and you pay no interest. • No late fees or penalties. • No hard credit check. We look at employment, income and banking history, not just a credit score. How it works for employers: • No setup, subscription or per-employee fees. • Employers don't fund loans, make credit decisions, carry credit risk or handle repayments and collections. We're built for the frontline, hourly and shift-based workers who keep Canadian businesses running and are often the most exposed when an unexpected bill hits. Our mission is to help workers move from emergency cash toward greater financial resilience and, over time, freedom from debt. Borrowing creates a repayment obligation, and approval isn't guaranteed. Buffer reports loans to credit bureaus, and if borrowers don't pay their instalments, Buffer will report it to credit bureaus. Learn more at mybuffer.ca