For dealerships & leasing companies financing on their own paper
Pass your first FINTRAC exam.
The enforcement grace period ended April 1, 2026. If you finance or lease on your own contracts, FINTRAC can examine you now.
Provasure is the system of record that keeps you continuously exam-ready: a guided program, deal-level KYC evidence, training records, and a one-click exam binder.
No payment details required to apply · Data stored in Canada · Set up in an afternoon
provasure.ca
Compliance healthOne score across program, KYC, training and reviews: exactly what needs attention today.
Cites FINTRAC guidance directly · Built for the April 1, 2026 enforcement change · Made in Canada for dealerships & leasing companies
Does this apply to me?
If you carry the paper, you carry the obligations.
“I sell and finance in-house”
Buy-here-pay-here lots and dealerships financing on their own conditional sale contracts became FINTRAC reporting entities in April 2025.
“I lease vehicles or equipment”
Leasing on your own lease agreements (cars, trucks, machinery) puts you in the same new sector, with the same obligations.
“I broker, but fund some deals myself”
Deals you place with a bank are the bank's obligation. The ones you fund on your own paper are yours.
Only ever place deals with third-party lenders? Then these rules likely aren’t about you: the free checklist includes a two-minute self-assessment to confirm.
What’s at stake
The penalties are no longer a rounding error.
$40,000
what even a minor violation can now cost: Bill C-12 raised FINTRAC penalties roughly 40×
Apr 1, 2026
the day the enforcement grace period ended for dealerships and leasing companies on their own paper
< 1 min
to export the exam binder that answers an examiner's document request
How it works
Set up in an afternoon. Ready for years.
1
Answer 18 guided questions
Provasure generates your policies & procedures, risk assessment, and compliance-officer designation, the three documents an examiner asks for first.
2
Run each deal through guided KYC
ID verification, sanctions screening, and third-party determination, captured as evidence while you work the deal, not reconstructed after.
3
Export your exam binder
When FINTRAC calls, every record is already indexed. One click, one ZIP, under a minute.
Six modules. One defensible file.
Guided program builder
18 guided questions in, three documents out: policies & procedures, risk assessment, and CO designation (versioned, approved, exportable to PDF and DOCX).
Deal-level KYC that captures evidence
Guided ID verification by permitted method, sanctions screening with uploaded proof, a PEP determination on file, beneficial ownership, and a third-party determination on every deal.
Training with receipts
A built-in AML course for your sector: quiz, attestation, certificate PDFs, and automatic annual renewal reminders.
Reviews & compliance calendar
The 24-month effectiveness review most owners have never heard of: scheduled, walked through step by step, and signed off.
Reporting assist
STR indicator checklists and drafted narratives, with Provasure’s own 24-hour internal clock to keep “as soon as practicable” honest. You file in FINTRAC’s portal; Provasure prepares and logs.
The one-click exam binder
Every record above, indexed into a single ZIP with a tamper-evident audit certificate. Generated in under a minute.
🇨🇦 Canadian & local
Built in Canada, for Canada’s newest reporting entities.
Canadian rules, cited at the source
Every step cites FINTRAC's own guidance. This isn't American AML software with the labels changed.
Your data stays in Canada
Client records are stored on Canadian soil and never leave the country.
Made for main-street businesses
Local dealerships and leasing companies (owner-operators, not bank compliance departments). Priced and sized accordingly.
Pricing
Less than one consultant invoice.
One price. Everything included. No tiers to decode.
ONE LOCATION
$249/mo
or $2,490/yr, about two months free
+ $499 one-time setup
One plan. Everything included.
- ✓All six modules + one-click exam binder
- ✓Unlimited users
- ✓Unlimited clients & deals: no metering
- ✓Guided 24-month effectiveness review
- ✓Email reminders
- ✓No payment details required to apply
MULTI-LOCATION
$249/mo per location
or $2,490/yr per location, billed together
+ $499 one-time setup per location
The same plan at every location, on one bill.
2 locations $498/mo · 3 locations $747/mo · 5 locations $1,245/mo
- ✓Everything in the plan, at every location
- ✓Group console + shared policies
- ✓Per-location risk assessment & evidence
- ✓Included at 2+ locations: nothing extra to buy
Founding Dealer Program
First 3 dealerships: setup waived + first 6 months free, in exchange for weekly feedback.
The one plan includes all six modules, the one-click exam binder, unlimited users, unlimited clients & deals, and the guided 24-month effectiveness review. Setup is a one-time $499 per location. All prices in CAD.
We've never had a compliance program. Is it too late to start?+
No. Examiners look for a working program, not a perfect history. Provasure's migration mode lets you record what you did before you had a system, then keeps everything exam-ready going forward.
Do I need a lawyer or a consultant?+
The guided builder cites FINTRAC's own guidance at every step, so most owners run their program without outside help. Provasure is record-keeping software, not legal advice. Save counsel for the genuinely unusual questions, not the basics.
How long does setup take?+
About an afternoon. Eighteen questions generate your program documents; then you invite staff to training and run your next deal through KYC.
Where is my data stored?+
In Canada. Your client records never leave the country.
What actually happens in a FINTRAC exam?+
You get a letter asking for your policies, risk assessment, training records, and a sample of deal files, usually on a short deadline. The exam binder exports exactly that package in under a minute.
I only broker deals to banks and never fund my own. Do I need this?+
Probably not: the April 2025 rules cover businesses that finance or lease on their own contracts. The free checklist includes a self-assessment to confirm, and FINTRAC's guidance has the final word.
FINTRAC guides
New to FINTRAC? Start here.
All guides →The April 1, 2026 change: FINTRAC now examines dealerships that finance on their own paper
Financing and leasing businesses became FINTRAC reporting entities on April 1, 2025, and FINTRAC's first-year grace period of outreach over enforcement ended April 1, 2026. Here's who is caught, what obligations attach, and what you must have in place before an examiner calls.
Read the guide → · 4 min
FINTRAC compliance program requirements: the five elements explained
Every FINTRAC reporting entity must have a documented compliance program with five specific elements. Here's what each one means in practice for a dealership or leasing company, and what examiners look for in each.
Read the guide → · 3 min
How a FINTRAC examination works, and how to prepare
What actually happens when FINTRAC examines a financing or leasing business: the notice, the document request, the file review, and the findings process. Here's the sequence and how to be ready for each stage.
Read the guide → · 2 min
FINTRAC client identification methods: what counts as valid KYC
FINTRAC accepts a specific set of methods for verifying who your client is, and each one has rules about acceptable documents, timing and record content. Here's what a dealership or leasing company needs to capture on every in-scope deal.
Read the guide → · 3 min
Bill C-12 penalties: what FINTRAC non-compliance actually costs
Bill C-12 raised FINTRAC's penalty ceilings roughly 40-fold and made a missing compliance program a 'very serious' violation on its own. Here's the real tiered structure and what it means for a dealership or leasing company.
Read the guide → · 3 min
STR and large cash reporting obligations for dealerships & leasing companies
Beyond client identification, reporting entities must file specific reports with FINTRAC: suspicious transaction reports with no dollar threshold, and large cash transaction reports at $10,000. Here's what triggers each and what the report has to contain.
Read the guide → · 3 min
Latest from the blog: Three months into the new regime: what FINTRAC examiners ask for first · all posts
Be ready before they call.
Apply today, or begin with the free checklist.