TRG Finance
Structured Private Lending Arrangements
TRG Finance is the private lending division of The Rimax Group. We borrow capital from eligible lenders at fixed annual simple interest rates, with quarterly interest distributions and full principal repayment at maturity.
Rate Tiers
Available Loan Terms
All rates are fixed annual simple interest calculated on the original principal. No compounding. Interest is distributed every three months.
12 Months
6.00%
Annual simple interest
4 quarterly payments · Principal returned at maturity
18 Months
8.00%
Annual simple interest
6 quarterly payments · Principal returned at maturity
24 Months
9.50%
Annual simple interest
8 quarterly payments · Principal returned at maturity
30 Months
12.00%
Annual simple interest
10 quarterly payments · Principal returned at maturity
36 Months
13.50%
Annual simple interest
12 quarterly payments · Principal returned at maturity
60 Months
17.00%
Annual simple interest
20 quarterly payments · Principal returned at maturity
These rates are for illustrative purposes only. All lending arrangements are subject to a signed loan agreement. Private lending involves risk, including potential loss of principal. Returns are not guaranteed or insured by CDIC or any government program.
Structure
How Quarterly Payments Work
TRG uses fixed annual simple interest — straightforward, transparent, and predictable.
01
Fixed Simple Interest
Interest is calculated on the original loan principal only. There is no compounding — your interest amount stays the same every quarter for the full term.
02
Quarterly Distributions
Interest is paid to the lender every three months. Each quarterly payment equals the annual rate divided by four, applied to the original principal.
03
Principal at Maturity
At the end of the agreed loan term, TRG repays the full original principal in a single lump-sum payment.
04
Signed Loan Agreement
Every arrangement is governed by a formal signed loan agreement that sets out all terms, payment dates, and obligations for both parties.
Calculator
Estimate Your Returns
Enter a principal amount and select a term to see your estimated quarterly interest, total interest, and total repayment.
Select Term
Enter a principal amount and select a term above to see your estimate.
All figures are estimates in Canadian dollars based on fixed annual simple interest. Actual amounts are governed by the signed loan agreement.
Flexible Loan Arrangements
While TRG offers standard loan terms, we understand that certain lenders may have specific requirements. Certain arrangements may be negotiated individually, subject to mutual agreement and execution of a formal loan agreement.
Negotiable elements may include loan amount, term length, and payment scheduling, at TRG's sole discretion. All custom arrangements must be documented in writing prior to the transfer of funds.
Early Repayment Policy
Early repayment requests are subject to the terms of the signed loan agreement. TRG does not guarantee the ability to repay principal before the agreed maturity date.
When early settlement does occur by mutual agreement, no interest is payable for the unused portion of the original loan term. The lender receives the principal plus interest accrued only up to the settlement date.
FAQ
Frequently Asked Questions
Interested in Lending to TRG Finance?
Eligible lenders are welcome to submit a confidential financing inquiry. All inquiries are without obligation.
Submit a Financing Inquiry