Private Lending

Private lending is a popular alternative to conventional lending due to the numerous advantages offered over bank-financing arrangements. Here are some of the advantages to private financing.


Private loans can be a great option for individuals who are unable to qualify for a traditional mortgage. This may be due to being self-employed, having challenged or no credit, or a result of carrying a high debt servicing ratio. Private lending is more property focused rather than person focused, which allows individuals access to financing that is otherwise unattainable elsewhere. Simply put, it is primarily based on the equity of your home.


Trying to secure loans from a financial institute can be extremely difficult due to the long administration process and mountains of documentation required. Private lenders are able to act quickly, allowing you to receive funding and move forward. Time is money, and having capital when required can be invaluable for situations that require quick funding.


Investors who invest in value-add properties, or ‘flippers’, can benefit greatly from the fast funding for purchase of properties or renovations. Private lending allows for investors to act within a short time frame and have access to funds immediately rather than having the banks only fund up to a certain amount for renovation costs. Additionally, the funds are most disbursed by the banks after the renovation is completed, which does not work for most clients. The flexibility of deal structures in private financing is advantageous when a flipper is looking to move in and out quickly, offsetting the higher rates charged.


Unlike conventional mortgage institutions, which are more rigid due to the vast number of rules, regulations and procedures, private lenders are able to tailor the deal for every individual. Private lenders typically do not charge prepayment penalties as payments are interest only. The mortgage can be prepaid for the term so you will not have to worry about a monthly payment. These are some of the numerous ways a private lender can contribute to your success.

Every individual or business faces their own challenges, and may require unique solutions. Private lending can be the solution to your financing needs.


We can provide assistance with private financing for properties that are:

  • Residential, Commercial and Mixed Use
  • In marketable areas with no major negative influences
  • 85% Loan to Value (LTV) OR up to 90% depending on the term and exit plan
  • Up to 1 year term, interest only.  Option to renew.
  • Appraisal Report
  • Response within 24 hours or less
  • Closings in 3 business days (exception basis)
  • Requirement of upfront legal retainer of $750 with sign back commitment
  • First mortgage approximate rate – 6.99% to 8.50% , Second Mortgage Rate – 12.99% to 14.99% ( subject to transaction type)
  • Lending fee TBD

GUIDELINE:  We do not have set guidelines as we based our lending on the overall client situation, location, loan amount, exit plan, use of funds etc.

  • Challenged OR no credit
  • Self-employed OR low income
  • Down payment
  • Poor credit ratings
  • Discharged bankruptcies
  • Payout of consumer proposals
  • Payout of property tax arrears
  • Power of sale avoidance
  • Debt consolidation
  • Business capital requirements
  • Renovation
  • Bridge loans
  • Purchase of another property
  • Pay income tax arrears

US CLIENTS, we facilitate:

  • Residential loan amount funding from $300,000.00 and up
  • Commercial loan amount up to 70% LTV 

BROKERS: You are not required to co broker your files.  The client remain yours always.