Situations

Financing situations we solve

Almost nobody calls a broker asking for a product. They call because something has happened: a lender said no, a maturity date is approaching, or the growth in front of them costs more than the cash behind them. These pages start from the problem, explain why lenders behave the way they do, and set out the real options including the cost and the cases where waiting is the better decision.

Your bank said no

One lender's credit policy is not the market. What the decline usually means and where the file can go next.

Your tax return does not show what you earn

Good accounting lowers taxable income. How commercial lenders underwrite property cash flow instead.

Your mortgage matures and the lender is quiet

Commercial loans do not auto renew. What happens at maturity and why six months of lead time matters.

You are tired of paying rent

Owner occupied purchase for business owners, and the cases where leasing is still the better answer.

Your equity is in the building, not the bank

Asset rich and cash poor. Using building equity to fund growth, and the honest cost of doing it.

You need to close faster than the bank moves

Subject removal in weeks and underwriting on its own schedule. What speed costs and when it is worth paying.

The lender does not like your building

Special purpose assets are judged on the exit. Why leverage drops and which lenders still engage.

Nobody will tell you how long this takes

A real stage by stage timeline, the usual bottlenecks, and what quietly adds weeks to a file.

You have tax arrears and the bank went quiet

A security ranking problem rather than a character judgement. The options, and when borrowing is the wrong move.

A rough couple of years is on your credit report

Credit gates the lender list more than it decides the deal. What still works and why an exit matters.

The appraisal came in low

The loan follows the appraisal down. What gets a value reconsidered and the four ways these deals still close.

The lender pulled the term sheet

A term sheet is not a commitment. Why lenders withdraw and what to do in the first two days.

The project is over budget

Cost to complete shortfalls, where the money comes from, and why raising it early costs less.

There is an environmental issue on the property

Phase I, Phase II and what findings do to the lender list, the leverage and the timeline.

You do not live in Canada

Shorter lender list, larger down payment, and residential rules that mostly do not apply to commercial property.

The build stopped part way

Completion financing, the lien problem that comes first, and an honest word on what it costs.

Not sure which one you are in? Have a broker read your deal and tell you where it stands.

Your situation not listed?

Describe it in your own words. If the deal works we will tell you how, and if it does not work yet we will tell you that too. You can also browse by the area your property sits in.

Talk to a broker Size a loan