Commercial Financing
Commercial Mortgage Financing Structured the Way Credit Committees Need to See It
Office, retail, industrial , multi residential, mixed use and medical financing across Ontario, packaged by a team led by a former commercial banking manager, hence we know what lenders need to get approved.
Start Your ApplicationCall (905) 482-9393
Investment and owner-occupied commercial financing
Our commercial mortgage products are built for clients who are typically underserved by large conventional lenders. On investment properties, industrial, retail, warehouse, apartment and other income-producing assets, we lend against property cash flow and rent roll, with first and second mortgages available for acquisitions, refinancing and renovations.
Owner-occupied financing applies when the owner runs their business out of most of the leasable space. Because the loan is backed by the operating business’s cash flow rather than the property alone, it’s treated as lower risk, which typically means favourable rates, lower associated costs and a lower down payment. In some scenarios, up to 90% of the property’s purchase price can be financed.
- First & Second mortgages on income-producing commercial property
- Owner-occupied financing up to 85-90% in qualifying scenarios
- Office, retail, industrial, multi-residential and medical properties
- Files structured and packaged by former commercial bank managers
- Direct relationships with institutional and private commercial lenders
At a Glance
Up to 90%
Leverage, owner-occupied property
75%
Typical max LTV, investment property
Previous Banker
Every file reviewed by a former commercial banking manager
Top Commercial Broker Finalist Award for 6 years in a row
By Canadian Mortgage Professionals of Canada
Owner-occupied vs. investment property financing
Owner-occupied property |
Investment property |
|
|---|---|---|
| Leverage | Up to 85-90% of the property’s purchase price can be financed. |
Varies, but typically available up to 75% max. |
| Cash flow requirement | Operating business’s cash flow | Cash flow analysis of the property |
| Docs required | Operating business’s last 2 years of financial statements |
Income and expense statement, and rent roll |
Owner-occupied vs. investment property financing
Office (office buildings or office condos)
Medical building
Industrial (including warehouses and manufacturing facilities)
Health care
Retail
Special purpose
How it works
01
Share the deal
Send us the property, financials and what you’re trying to accomplish.
02
We underwrite it first
Our ex-bank team packages the file the way a credit committee needs to see it.
03
Lender matching
We take it to institutional and private lenders most likely to say yes.
04
Negotiate & close
We negotiate rate and terms on your behalf through to funding.
Frequently asked questions
What property types qualify for commercial financing?
Office, retail, industrial, warehouse, multi-residential, mixed-use and medical properties, both investment and owner-occupied, are all financeable.
What’s the maximum loan-to-value for a commercial mortgage?
Investment properties typically max out around 75% LTV. Owner-occupied properties can qualify for up to 90% financing in the right scenario, based on the operating business’s cash flow.
Why use a broker instead of going straight to my bank?
A single bank shows you one set of products and one risk appetite. We package your file the way a credit committee wants to see it and shop it across institutional and private lenders to find the best fit, rate and speed.
