Empowering skilled immigrants with affordable career loans

New to Canada? Windmill Microlending is a national charity that helps skilled immigrants return to their profession by offering low-interest loans up to $15,000 for higher education and licensing, plus free coaching and mentorship.

Interest rates start as low as 4.45% for regulated healthcare professionals

Why choose a Windmill loan

Free coaching, mentorship and financial literacy training

Get up to $15,000 for training, exams or licensing

Interest only payments while studying

Low interest + 0% admin fee

Windmill’s valued partners

Real stories, real impact

Total Interest Over Loan Term

$10000

Healthcare Interest rate
4.45
%

Healthcare Reaccreditation Loans are set at a fixed interest rate of 4.45% for the entire loan duration .

$2,000
$15,000
6 Months
24 Months
1 Month(s)
36 Months
During your educational program term you will be making monthly payments of:
$43.00
During your loan repayment term you will be making monthly payments of:
$1,233.03
Total interest paid over the loan term
$3,330.31
Total amount of principal and interest paid by the end of the repayment term
$12,330.31
Total of 10 payments
$12,330.31
Total of 10 payments
$12,330.31
Principal
(97%)
Interest
(3%)

Payment Details

Loan Repayment Structure

Educational Program Term

While you are studying, you pay interest only payments.

Repayment Term

After your training period, you start repaying the money you borrowed. The repayment term is how many months you take to repay.

Based on your selection, you would be borrowing $8,000

Your interest rate will be 6.70% fixed for the term of the loan.

Your monthly interest payment would be $43.00.

You would pay this for 15 months while you complete your training.

After that, your payments would be $356.19 per month for 24 months.

Payments are withdrawn automatically from your bank account on the 15th of every month.

Note that these terms may change when we review your application. However, the interest rate will not change.

Calculator Legal Disclaimer

In the results presented, we assume the following: {i} a constant interest rate throughout the loan term and amortization period; and {ii} the payment schedule you selected is maintained with no additional payments or skipped payments. Actual payment and interest amounts may differ and will be determined at the time of signing the Loan Agreement. This calculation is based on the accuracy and completeness of the data you have entered, is for illustrative and general information purposes only, and is not intended to provide specific financial or other advice and should not be relied upon in that regard. You should speak with your professional accountant or other professional advisors before making a final decision to ensure any strategy meets your financial needs and that your personal circumstances have been considered. When you make your credit application, interest rates may have changed or may be different due to information contained in your application and additional conditions may apply.

Windmill Microlending does not make any express or implied warranties or representations with respect to any information or results in connection with the calculator and will not be liable for any losses or damages arising from any errors or omissions in any information or results, or any action or decision made by you in reliance on any information or results.

* For the educational program term, payments must be at least $25. If your payment is less, a $25 flat rate will apply, with the remaining amount going towards your outstanding balance.

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Charles

Lawyer | Calgary

Charles, a lawyer with 20+ years of experience from Nigeria, faced challenges re-entering his profession in Canada without a license. Working as a security guard, he struggled to balance studying for exams with supporting his family. With a loan from Windmill Microlending, he covered exam fees and dedicated time to study. Today, Charles practices law in Canada, fulfilling his dream of returning to his profession.

Binal

Dentist | Mississauga

Binal, an established dentist in India, moved to Canada in 2014 and began working at a sandwich shop to support her family. Despite long shifts handling meat products as a vegetarian, her life changed when she connected with her Windmill career coach, Robert. With support from a Windmill loan, Binal completed her exams and is now back to her profession, bringing smiles to her patients.

Payam

Physician | Vancouver

Payam immigrated to Canada to continue his medical education and secure a residency. The path to obtaining a medical license was challenging, requiring costly exams and certifications. With financial assistance from Windmill Microlending, Payam covered these expenses, easing the financial burden and letting him focus on his studies. Despite the challenges of recertifying skills and adjusting to life in a new country, Payam eventually matched into a family medicine residency at the University of British Columbia.

Mina

Teacher | Calgary

Mina and her husband moved to Calgary in April 2020, seeking freedom and better opportunities due to political unrest in Iran. Despite pandemic challenges and job shortages, Mina pursued TESOL certification with a $6,000 Windmill loan. She rebuilt her teaching career, advancing to a management role while continuing to teach part-time. Mina now shares her experiences with other immigrants, advising them to focus on building a new life in Canada without comparing it to their past.

Parikshit

Psychotherapist | Vancouver

Parikshit, originally from India, moved to Canada in 2019 to study psychotherapy. Facing financial challenges during an internship in BC, he turned to Windmill for support. The loan helped him cover living expenses, complete his studies, and become a registered counsellor. He now works in BC, supports an online mental health initiative in India, and credits Windmill for helping him achieve his career goals and find meaningful work in his field.

Liliana

Osteopath | Barrie

Liliana, originally a dentist from Bogota, Colombia, now lives in Barrie, Ontario, and has found a new career in healthcare. After moving to Canada in 2019, she faced accreditation barriers and financial challenges, leading Liliana to work in a factory. With a Windmill loan, she retrained in osteopathy and now finds joy in helping her clients. Liliana plans to open a clinic with her husband in the near future. 

Windmill's impact

3x growth in client income

On average, clients triple their income

Newcomers take on low-income jobs to survive. Windmill helps our clients return to their trained profession to boost their income by over 3 times.

15,000 clients served

Skilled immigrants and newcomers supported

Over 15,000 new Canadians have received the support they need to start anew in Canada, making dreams a reality and forging a brighter future.

5 stars

Over 2000 five-star Google reviews

A reputation built on impact: 2,000+ five-star ratings.

Awards and accolades

Canada’s Top Performing Charity

Four years in a row!

2025

 

Fastest-Growing Charity

Four years in a row!

2025

 

5-star Rated Charity

Four years in a row!

2025

 

Impact Genome Verified

100% effectiveness rating

2025

 

Great Place To Work® certified

2026

 

Empower immigrants. Empower Canada. Donate to Windmill today.

Canada faces critical labour shortages, especially in our healthcare sector. Skilled newcomers can fill these gaps but face barriers to work in their trained fields. With your support, we can help change this.

Loans exclusively for immigrants

As a trusted national charity for over 20 years, Windmill Microlending provides low-interest loans to help skilled immigrants and newcomers restart their careers in Canada with affordable financing.