S. Brar lives in Winnipeg and needs to pay off about $25,000 in debt and upcoming taxes. His credit is fine, but the big banks have declined him due to his debt ratio. He’s now been forced to seek refinancing from a B side lender.  His house, employment, and income are all good but the banks have declined him citing a lower credit score and lack of net worth. He’s been forced to refinance at 12 per cent with a $2,000 lender fee.