From distribution warehouses to strata bays and cold storage, industrial assets underwrite on location, specs, and tenancy. We match the loan structure to your rent roll, rollover schedule, and building requirements like power, loading, and clear height, then bring targeted quotes that fit your timeline and risk.
Who We Serve
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Owner-operators buying or refinancing their premises
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Investors acquiring stabilized single-tenant or multi-tenant industrial
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Developers completing strata or condo bay projects
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Sponsors repositioning vacancy with improvements and leasing
Properties We Finance
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Distribution and logistics: Bulk and last-mile near ports, airports, and intermodals
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Strata and condo bays: Small-bay and flex units for light industrial users
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Manufacturing and specialty: Higher power, crane-ready, or food-grade where fundamentals support it
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Industrial condos for owner-users: Purchase or refinance with practical covenants
Eligible Scenarios
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Purchase: Stabilized or near-stabilized assets sized to in-place income
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Refinance: Improve rate or term, or release equity for equipment and upgrades
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Value-add and bridge: Fund repairs, office build-outs, and lease-up
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Strata projects: Fit-for-purpose terms aligned to corporation budgets and bylaws
How Industrial Financing Is Structured
We start with tenancy, building specs, and your next two years of plans.
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Leverage: Sized to DSCR, tenant strength, and remaining terms
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Rates and terms: Fixed or variable from 1 to 10 years with sensible prepayment options
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Amortization: Typically 20 to 30 years on income properties
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Covenants: Practical reserves, reporting, and improvement allowances that match the plan
Typical Loan Parameters and Eligibility
(Actual terms vary by asset quality, market, sponsor strength, and lender policy.)
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LTV: Often 55 to 75 percent on conventional industrial
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DSCR: Commonly 1.20x to 1.35x on stabilized NOI
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Security and recourse: First mortgage standard; guarantees vary by leverage and deal size
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Sponsor profile: Relevant experience, adequate net worth and liquidity, credible operating plan
Streamlined Documents Checklist
We stage what is needed to keep momentum.
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Property and income: Current rent roll, T12, major leases and amendments, insurance, taxes
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Reports: Appraisal, Phase I ESA, and building condition where required
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Strata or condo bays: Corporation budgets, bylaws, reserve fund info, recent minutes if applicable
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Value-add: Capex scope, improvement plan, and leasing pipeline
Process and Timelines
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Initial review (1 to 3 business days): Indicative sizing and lender short list
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Term sheets (3 to 10 business days): Competitive quotes matched to your goals
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Diligence and approvals (2 to 6 weeks): Appraisal, environmental, legal, and conditions
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Closing and funding: Conditions satisfied, insurance bound, security registered
Why Work With Us
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Structure first: We fit the loan to your plan, then pick the right lender
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Breadth of capital: Banks, credit unions, alternative and private capital
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Clarity and speed: Milestones, early issue spotting, and plain language
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National coverage: Major metros and strong secondary markets across Canada
Get Started
Tell us about your project and goals. We will outline practical options for an industrial property mortgage in Canada so you can compare terms and move forward with confidence.
