FSRA Licensed Brokerage
4.9 ★ Google Rating (180+ Reviews)
$500M+ in Commercial Financing Arranged
Response Within 24 Hours
Commercial Mortgage Specialists — Canada
Commercial Mortgage Financing Structured Around Your Deal
We arrange commercial mortgage loans across Canada for investors, developers, and business owners — through banks, credit unions, MICs, and private lenders. Over 100 lending relationships. No one-size-fits-all approach.
$500M+
Commercial financing arranged
10+
Years in commercial lending
100+
Lender relationships
4.9★
Average Google rating
Start Your Consultation
Free review. No obligation. Response within 24 hours.
We review every submission and respond within 24 hours.
Why work with us
Pure Commercial Focus. No Residential Distractions.
Unlike most brokerages that split their attention between residential and commercial deals, we work exclusively in commercial mortgage financing — which means deeper lender relationships, faster execution, and better outcomes for complex transactions.
100+ Active Lender Relationships
We work with Schedule A banks, Schedule B lenders, credit unions, MICs, institutional funds, and private lenders — giving your deal access to the full Canadian commercial lending market.
Commercial-Only Expertise
Every transaction we work on is commercial. That specialization means we understand DSCR underwriting, draw schedules, CMHC MLI Select, and cap rate dynamics — not just standard rate comparisons.
Response Within 24 Hours
Commercial deals move fast. We review every inquiry and provide an initial assessment within 24 hours — not days. Urgent financing requests are prioritized on the same business day.
Rate Optimization, Not Rate Shopping
We don't just find the lowest rate — we structure deals to improve DSCR, extend amortization, and maximize LTV. The right structure often saves more than the lowest headline rate.
Full Process Management
We coordinate appraisals, environmental reports, rent rolls, legal documentation, and lender due diligence — managing the full financing process so you can focus on the investment.
Coast-to-Coast Coverage
We finance commercial properties across Ontario, Alberta, British Columbia, and all major Canadian markets — with strong lender relationships in the GTA, Calgary, and Vancouver.
What we finance
Commercial Financing Across Every Property Type
From apartment buildings to industrial warehouses, we arrange financing for income-producing commercial properties throughout Canada.
Industrial & Warehouse
Warehouses, logistics facilities, manufacturing, and flex industrial buildings.
Construction & Development
Ground-up construction, draw financing, bridge loans, and take-out financing.
Self-Storage & Hospitality
Specialized financing for storage facilities, hotels, and hospitality assets.
Indicative rates
Current Commercial Mortgage Rate Ranges
Rate ranges as of June 2025. Actual rates depend on property type, LTV, DSCR, amortization, and lender program. Contact us for a deal-specific quote.
| FINANCING TYPE | TYPICAL RATE RANGE | TYPICAL LTV | AMORTIZATION | BEST FOR |
|---|---|---|---|---|
| Conventional Commercial (Bank) | From 5.50% | Up to 75% | 25 years | Stabilized assets, strong DSCR |
| CMHC Multi-Family (MLI Select) | From 4.75% | Up to 95% | Up to 50 years | Apartment buildings, purpose-built rental |
| Credit Union Commercial | From 5.75% | Up to 75% | 25 years | Regional markets, flexible qualification |
| MIC Financing | From 7.50% | Up to 75% | 1–3 years | Outside conventional guidelines |
| Private Commercial Lending | From 9.00% | Up to 70% | 1–2 years | Bridge, transitional, time-sensitive |
| Construction Financing | From 6.50% | Up to 85% LTC | Project term | Ground-up development, draw financing |
Rates are indicative and subject to change. Final pricing depends on property performance, borrower profile, loan structure, and current market conditions. All rates subject to lender approval.
Recent transactions
Deals We've Financed
A sample of recent commercial financing transactions arranged for investors and developers across Canada. Details anonymized.
24-Unit Apartment Building Acquisition — Calgary
$4.2M
Loan amount
72%
LTV
38 days
Time to close
Investor acquiring stabilized multi-family asset. Conventional bank financing with 25-year amortization. Structured to maximize cash flow from day one using a competitive 5-year fixed rate.
Industrial Warehouse Refinance — Greater Toronto Area
$7.8M
Loan amount
68%
LTV
$610K
Equity accessed
Owner refinanced a leased industrial facility after improving occupancy to 100%. Replaced higher-cost MIC financing with Schedule A bank debt, reducing annual carrying costs significantly.
48-Unit Purpose-Built Rental — Vancouver Area
$14.5M
Loan amount
82%
LTV
CMHC
Program
Developer secured CMHC MLI Select construction financing for a purpose-built rental project. Structured with a take-out commitment upon stabilization, providing long-term financing certainty.
Who we work with
Built for Commercial Real Estate Professionals
Whether you're acquiring your first investment property or managing a multi-asset portfolio, we structure financing around your specific goals.
Real Estate Investors
Investors acquiring apartment buildings, retail plazas, or industrial properties need competitive LTV and amortization structures from day one. We compare options across the full lending market — not just one institution.
Developers & Builders
Construction financing requires lenders who understand draw schedules, LTC ratios, CMHC programs, and take-out commitments. We work with developers building multi-family, industrial, and mixed-use projects across Canada.
Business Owners
Companies purchasing owner-occupied commercial properties need financing that preserves working capital while supporting growth. We arrange owner-occupied commercial loans for manufacturing, office, and industrial facilities.
Portfolio Owners Refinancing
Property owners approaching maturity or looking to access built-up equity often find better options outside their current lender. We compare available financing before renewal to identify stronger terms.
First-Time Commercial Buyers
Transitioning from residential to commercial real estate involves different underwriting standards. We help first-time commercial investors understand lender requirements and identify properties that qualify for financing.
Non-Resident & Foreign Investors
International investors financing Canadian commercial properties face unique lender requirements. We work with lenders experienced in non-resident commercial financing across major Canadian markets.
Our lender network
Access to the Full Canadian Lending Market
We work with every category of commercial lender in Canada, giving your deal access to the broadest range of financing options available.
Schedule A Banks
Big 6 + mid-size chartered banks. Best rates for strong assets.
Schedule B Lenders
Foreign bank subsidiaries. Competitive on select commercial types.
Credit Unions
Regional flexibility. Active in local commercial markets.
MICs
Mortgage Investment Corps. For deals outside conventional guidelines.
Private Lenders
Bridge and transitional financing. Fast approvals.
How it works
From Initial Review to Funded Deal
We manage the commercial financing process from lender selection through to closing — keeping your transaction moving efficiently at every stage.
01
Initial Consultation
We review your property, financing goals, timeline, and investment strategy to identify which lenders are most likely to fit the transaction.
02
Financial Review
We analyze rent rolls, operating statements, borrower financials, and property performance to prepare a clear lender package.
03
Lender Selection
We approach the right lenders for your asset class and financing requirements — comparing terms, structure, and pricing across institutions.
04
Approval & Funding
We coordinate appraisals, due diligence, legal review, and closing. Most standard transactions close within 30–45 days.
Client reviews
What Our Clients Say
★★★★★
4.9 from 180+ Google Reviews
★★★★★
"We were refinancing a 20-unit apartment building and needed lenders who actually understood multi-family underwriting. They came back with three competitive options within a week. Closed in 41 days."
Michael K.
Multi-family investor, Calgary
★★★★★
"Our bank kept delaying our construction draw approvals. Switching to this team completely changed the process — they managed everything and we never missed a milestone payment."
Simone R.
Developer, Greater Toronto Area
★★★★★
"I own three retail plazas and was approaching renewal on all of them. They shopped all three simultaneously and found better terms for two of them than my existing lender offered."
David P.
Retail property investor, Ontario
Common questions
Frequently Asked Questions
What is a commercial mortgage loan?
A commercial mortgage is financing secured by an income-producing or business-use property rather than a personal residence — including apartment buildings, retail plazas, industrial facilities, and offices. Lenders focus on property income, DSCR, occupancy, and asset quality rather than personal income alone.
How much can I borrow?
Most lenders offer LTV ratios of 65–75% for conventional commercial financing. CMHC-insured multi-family programs can reach up to 95% LTV with extended amortization. Qualifying depends on DSCR, location, asset class, and borrower experience.
What DSCR do lenders require?
Most institutional lenders look for a minimum DSCR of 1.20–1.25x. Properties with stronger cash flow and stable tenants typically attract more lender interest and better pricing. Some MIC and private lenders accept lower DSCR with other compensating factors.
What is CMHC MLI Select?
CMHC MLI Select is the primary insured multi-family financing program for purpose-built rental housing. It offers up to 95% LTV, amortization of up to 50 years, and competitive rates — making it the most cost-effective long-term financing available for qualifying apartment buildings.
How long does approval take?
Straightforward refinances can close in 30–45 days. Acquisitions typically take 45–60 days. Construction and development projects often require 60–90 days depending on lender due diligence and municipal approvals. Organized documentation accelerates every stage.
Can I refinance before my mortgage matures?
Yes — many investors refinance before maturity to access equity or improve terms. We review prepayment penalties, yield maintenance provisions, and refinancing costs to ensure the economics make sense before proceeding.
What documents do I need?
Most lenders require rent rolls, financial statements, lease agreements, borrower financials, property operating history, and ownership documents. We provide a tailored checklist based on your property type and financing needs.
Do you work outside Ontario?
Yes. We arrange commercial mortgage financing across Canada — including major markets in Alberta, British Columbia, Quebec, and Atlantic Canada. Our lender network covers national banks and regional institutions operating in all provinces.
Ready to Explore Your Financing Options?
Tell us about your property and financing goals. We'll review your scenario, identify the strongest lender options, and outline next steps — at no cost and no obligation.
We respond to every inquiry within 24 hours. Monday to Saturday.
Commercial mortgage brokerage serving investors, developers, and business owners across Canada. FSRA licensed. 10+ years arranging commercial financing.
📍 Toronto, ON | Serving all Canadian provinces
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