Commercial Real Estate
Financing That Works
Office, retail, industrial, mixed-use, or multi-residential (5+ units) — we connect you with commercial lenders who understand income-producing real estate and move quickly.
65–75%
Typical max LTV
5+ units
Commercial rules apply
NOI
Income-based qualification
25 yr
Max amortization
Commercial Mortgages
Commercial real estate financing — income-based, relationship-driven
Commercial mortgages are underwritten on the property's Net Operating Income (NOI), not just your personal income. Debt Service Coverage Ratio (DSCR), cap rates, and lease quality matter more than your T4. We know these metrics and present your deal in the language commercial lenders speak.
Multi-Residential (5+ Units)
Apartment buildings and larger multiplexes qualify under commercial underwriting. CMHC MLI Select program available for purpose-built rental.
Retail & Mixed-Use
Strip plazas, mixed-use commercial/residential, and single-tenant retail — we match to lenders with the right risk appetite.
Industrial & Warehouse
Industrial condos, warehouses, flex-industrial — typically strong cap rates and solid lender interest.
Professional & Medical Office
Owner-occupied professional offices (dental, medical, legal) often qualify for owner-occupied commercial programs with better LTVs.
CMHC MLI Select
Purpose-built rental buildings may qualify for CMHC MLI Select — a government-backed insured program with lower rates and longer amortizations.
Bridge & Construction Loans
Short-term bridge financing and construction loans for developers. We connect you with lenders experienced in construction draws.
How commercial mortgage financing works
Simple, transparent, and built around you.
Property income analysis
We review rent rolls, leases, operating statements, and calculate NOI and DSCR to present the strongest case.
1–2 daysLender selection
We identify 3–5 commercial lenders suited to your property type, location, tenancy, and deal size.
2–3 daysPackage & submit
We prepare a professional information memorandum and submit to lenders simultaneously for competitive quotes.
1–2 weeksNegotiate & close
We negotiate terms, coordinate appraisals and environmental reports, and manage the close with your solicitor.
4–10 weeksCommon questions
Let's talk about your commercial deal
Commercial transactions require specialist knowledge. We speak NOI, cap rates, and DSCR — and we'll find the right lender for your property.