Not all property and situations need a commercial mortgage. Below are some of the main types of properties or types of transactions that would best suite commercial financing.
Buy or build the space your business operates from.
Perfect for warehouses, retail, office, or light industrial.
✔ Up to 25-year amortizations
✔ Keeps rent dollars inside the business
✔ Custom ownership structures available (HoldCo/OpCo)
From land acquisition to ground-up builds.
Staged funding for commercial, industrial, or multi-use projects.
✔ Land + build financing in one solution
✔ Flexible draws during construction
✔ Exit strategies built in
Bridge the gap between senior debt and equity.
Ideal for expansion, acquisitions, or layered capital stacks.
✔ Subordinate to first mortgage
✔ Flexible repayment terms
✔ Used to increase leverage or reduce equity requirements
Restructure high-cost or inflexible debt.
Improve cash flow, reduce payments, or unlock equity.
✔ Replace short-term debt with long-term financing
✔ Combine multiple mortgages or loans
✔ Pull equity for working capital or growth
Purchase or refinance income-producing real estate.
Apartments, mixed-use, and leased commercial buildings.
✔ Up to 75% LTV on stabilized assets
✔ CMHC or conventional options available
✔ Rental income used for qualification
Acquire land for future development or rezoning.
Also available for servicing, subdivision, or land assembly.
✔ Ideal for phased planning
✔ Early-stage financing available
✔ Equity partnerships or mezzanine options possible
Traditional lenders focus on formulas. This approach starts with the strategy.
✔ Business model
✔ Cash flow profile
✔ Ownership structure
✔ Exit plan
Every Mortgage is Engineered to Support the Bigger Picture.
Business owners buying their own commercial space
Developers or builders planning new projects
Entrepreneurs refinancing to improve leverage or cashflow
Real estate investors growing their portfolio
Holding companies managing long-term assets
No cookie-cutter loans. No wasted time.
Just a clear conversation about goals, numbers, and next steps.
Accordion Content
Typically starts at $500,000, with no upper cap for strong projects.
Yes—structures can accommodate HoldCo/OpCo setups, personal guarantees, and layered ownership.
Yes—as long as the strategy is sound, funding can begin at the land stage.
Yes—commercial mortgage options are available nationwide, with lender coverage tailored to the region and property type.
