# Loan funding Receive loan funds immediately upon approval Borrowers can securely receive loan funds immediately upon approval. Real-time loan funding gives borrowers instant access to funds as soon as a lender approves their loan. Borrowers then immediately pay emergency bills or free up cash flow for other expenses. Using Canada’s Real-Time Rail, lenders can offer their customers instant loan funding through real-time payments. - Instant access to funds - Improved cash flow Leverage LOAN FUNDING To leverage this use case, both the sending and receiving financial institutions must be enabled to use [Canada’s Real-Time Rail](/systems-services/payment-systems/real-time-rail-payment-system). Contact your Payments Canada relationship manager or email to learn how your financial institution or payment service provider can adopt the forthcoming Real-Time Rail.