Commercial mortgage process: how funding works.
A transparent, six step process built for commercial deals. We keep every stage moving so you close with confidence.
Initial Consultation
Your deal starts with a conversation. We learn about your project, your capital needs, your timeline, and any complexities, so we can map the right financing path.
Pre Qualification
We review the asset, your financials, and the deal profile to determine likely loan sizing and structure, see how sizing works. You get a clear picture of terms and expectations up front.
Document Collection
You provide the supporting package: financials, rent rolls, pro formas, appraisals, and entity documents. These confirm the deal and move it toward underwriting.
Review & Underwriting
We package your file and take it to the right lenders from our network of 50+. We analyze the asset and how lenders size the loan to structure the terms to fit your project.
Approval & Terms
We present formal terms from the best fit lender: loan amount, rate, structure, and conditions, laid out transparently so you can move with confidence.
Closing & Funding
We finalize documentation, satisfy conditions, and coordinate to close. Funds are released and your project moves forward. Construction files fund in stages, here is how draws actually work.
Ready to start?
Common questions about timelines, costs and documents are answered on our commercial mortgage FAQ, and why brokers and borrowers choose CCM explains how we work. What we disclose to you in writing is set out in what BC's Mortgage Services Act changes for borrowers.
Tell us about your project and a senior broker will reach out within one business day. You can also start from the situation you are in or from the area your property sits in.
Start Your Application