Private Commercial Mortgage Canada

Private commercial loans are designed for speed and flexibility. They work well for short timelines, complex stories, or assets in transition. We match the loan to your business plan, size it to real cash flow and collateral, then bring targeted quotes from reputable private lenders across Canada.

Who We Serve

• Buyers with firm closing dates or financing fall-throughs

• Owners refinancing maturing or non-conforming debt

• Value-add sponsors funding renovations, TI/LC, or re-tenanting

• Developers bridging to construction completion or lease-up

Properties We Finance

• Multi-unit residential (5+): Rental buildings and mixed-use with residential above

• Industrial: Warehouses, strata bays, flex, light manufacturing

• Office: Medical and professional, suburban and downtown, condo or freehold

• Retail & Mixed-Use: Neighbourhood plazas and main-street retail

• Specialty (select): Self-storage and certain housing types where fundamentals support it

• Construction & Land (case by case): Near-term completion or clear path to servicing

Eligible Scenarios

• Acquisition bridge: Close on schedule while conventional financing finalizes

• Equity take-out: Fund capex, lease-up costs, or working capital

• Maturity bridge: Refinance maturing loans to avoid default and protect equity

• Completion financing: Finish construction or building upgrades ahead of term debt

• Problem-solve: Environmental flags, covenant breaches, or temporary cash flow gaps

How Private Commercial Mortgages Are Structured

We start with your timeline and exit, then build around collateral and cash flow.

• Term: Typically 6 to 24 months, interest-only

• Leverage: Sized to as-is value and business plan, with holdbacks for work or leasing

• Pricing: Market-based rate plus transparent lender and legal fees

• Security & recourse: First or second mortgage positions; guarantees depend on leverage and risk

• Exit: Sale, CMHC take-out, or conventional term financing targeted from the start

Typical Loan Parameters and Eligibility

(Actual terms vary by asset, market, sponsor strength, and lender policy.)

• Loan-to-Value: Often 60 to 75 percent of as-is value; higher case by case with strong mitigants

• Interest-only payments: Preserve cash during renovations or lease-up

• Fees: Standard lender, legal, brokerage, and third-party costs disclosed up front

• Sponsor basics: Relevant experience and sufficient liquidity to carry the plan

Streamlined Documents Checklist

We focus on what is needed for a quick yes.

• Property: Rent roll, trailing 12-month statement, leases and key amendments, tax bills, insurance

• Valuation & reports: Appraisal or broker opinion of value; Phase I ESA as required; scope and budget for capex

• Corporate & sponsor: Net worth and liquidity summary, org chart, recent financials and tax filings

• Exit support: Draft term sheet for take-out, sales plan, or leasing pipeline

Process and Timelines

• Initial review (1 to 2 business days): Indicative sizing and pricing

• Offers (3 to 7 business days): Targeted quotes from private lenders that fit the file

• Diligence and docs (1 to 3 weeks): Focused third-party reports and legal

• Funding: Conditions satisfied, security registered, funds advanced with any holdbacks set up

Why Work With Us

• Speed: Private capital that closes on your timeline

• Practical structure: Terms that fit your budget, milestones, and exit

• Breadth of lenders: Established private funds and balance-sheet lenders across Canada

• Clarity: Straight answers on pricing, fees, and covenants, with early issue spotting