How It Works
A disciplined, lender-network driven process for commercial $2M+ and high-value residential financing across Canada.
Discreet • Strategic • Canada-wide
Three Pillars of Execution
Every commercial mortgage transaction moves through three critical phases. Our role is to guide you through each with clarity, strategy, and execution discipline.
Discovery & Strategy
We begin by understanding your objectives, property fundamentals, and constraints. From there, we develop a tailored financing strategy that aligns with your goals.
Lender Sourcing & Structuring
We leverage our network across institutional, alternative, and private channels to source competitive options and structure terms that serve your interests.
Underwriting & Closing
We manage the underwriting process, coordinate with all parties, and ensure a smooth path to closing. Our involvement continues through renewal and beyond.
The Complete Process
From initial consultation to post-close support—eight clear steps that define how we work together.
Process by Property Type
While the core process remains consistent, each deal type has unique considerations in underwriting, documentation, and lender selection.
Commercial Real Estate Financing
Commercial mortgages are underwritten on property cash flow, tenant quality, and market fundamentals. Key metrics include Net Operating Income (NOI), Debt Service Coverage Ratio (DSCR), and Loan-to-Value (LTV). The process varies by scenario:
Acquisition
Purchase financing with competitive terms based on property and sponsor strength.
Refinance
Optimize existing debt, access equity, or restructure for portfolio goals.
Bridge
Short-term capital for transitional situations with clear exit strategies.
Construction
Draw-based financing for ground-up development or major renovations.
Documents Required
A complete, well-organized document package accelerates underwriting and strengthens your position with lenders.
Commercial / Multi-Unit
Income-producing properties
Construction Projects
Development financing
High-Value Residential
Personal financing
Factors That Influence Timeline
Every transaction is unique. These factors typically influence how quickly a deal moves from application to closing.
Documentation Readiness
Complete, organized documents accelerate underwriting. Missing items create delays.
Property Type & Complexity
Standard assets move faster. Unique properties or complex structures require more analysis.
Lender Underwriting Capacity
Lender workload and internal processes vary. Some periods are busier than others.
Third-Party Reports
Appraisals, environmental reports, and other third-party items operate on their own timelines.
Deal Size & Structure
Larger or more complex transactions may require additional approval levels.
Sponsor Responsiveness
Quick responses to information requests keep the process moving efficiently.
Note: We do not guarantee specific timelines as each transaction depends on multiple factors beyond our control. We work diligently to move your deal forward as efficiently as possible.
Why Clients Choose Us
We bring a disciplined, strategic approach to every transaction—combining market knowledge, lender relationships, and execution focus.
Clear Strategy
We develop a tailored financing strategy aligned with your specific goals and constraints.
Lender Network Access
Relationships across institutional, alternative, and private channels provide options.
Underwriting Preparation
We prepare your application to lender standards before submission.
Discreet Communication
Professional, confidential handling of your transaction and information.
Portfolio Thinking
We consider your broader real estate objectives, not just the immediate deal.
$2M+
Minimum deal size
Focused on commercial and high-value transactions
Frequently Asked Questions
Common questions about the commercial mortgage process in Canada.
Start with a Clear Strategy
Whether you're acquiring, refinancing, or developing—let's discuss your goals and determine the best path forward.