A selection of completed financing mandates across commercial mortgages, construction, multi-residential, and business financing. Details are representative and anonymised.
A manufacturing business in Mississauga sought to purchase its operating premises. The deal was creditworthy, the business profitable, and the property well-located. However, a historical environmental notation on title triggered an automatic bank decline under standard credit policy. We identified an alternative lender with appropriate risk appetite for remediated properties, restructured the file presentation, and delivered a commitment within the client's required purchase timeline.
Investor acquiring a 12-unit apartment building with long-term tenants at significantly below-market rents. Strong upside on renovation and re-leasing, but current income couldn't service conventional debt. Structured an interest-only bridge with a credit union while the client executed the renovation and re-tenanting plan.
Portfolio of two apartment buildings in Hamilton, with a maturing commercial mortgage the existing lender declined to renew due to a covenant breach. Bridge financing was arranged within 12 days to halt the power of sale process. Permanent financing through an alternative lender followed at close, at improved terms.
First-time developer with a strong equity position and a well-located mixed-use site in Vaughan. Institutional construction lenders uniformly required prior development experience. We identified a private lender with appetite for the asset, structured a phased draw facility, and arranged conventional takeout financing at project completion.
Owner of a 6-unit retail plaza sought refinancing to access equity. The anchor tenant — a well-established food service business — had historically renewed verbally rather than in writing. A conventional bank declined on tenancy risk. We secured a term lender who accepted a signed letter of intent to renew as sufficient evidence of lease continuity.
Referred by the buyer's solicitor. A commercial property purchase was at risk of failing to close after the buyer's chartered bank reversed its mortgage commitment 11 days before the scheduled closing date. Emergency bridge financing was committed within 48 hours, the deal closed on time, and permanent financing was arranged and funded within 60 days.
A manufacturing company in Oakville needed working capital to fund a major new contract — raw material purchases and payroll for a 4-month ramp-up period. We structured a revenue-based working capital facility through an alternative lender that serviced against contract receivables, avoiding the need for real estate security.
A commercial property investor identified an off-market acquisition opportunity with a vendor who required a 21-day close as a firm condition. Institutional financing timelines made this impossible. We arranged a private first mortgage through our MIC network at commercially competitive terms, with a conventional refinance planned for 6 months post-close.
A physician group acquiring its medical office building — a classic owner-occupied commercial scenario made complex by the professional corporation income structure. We identified a credit union with a dedicated healthcare professional lending program and structured the file to align with their income verification protocol.
All mandate details are representative and have been anonymised. Deal sizes, timelines, and outcomes reflect actual completed transactions but identifying details have been altered to protect client confidentiality. Past results do not guarantee future outcomes.
From single-asset owner-occupied purchases to multi-property portfolio refinancings, the common thread is situations that required more than a standard bank application — and a team with the experience to structure them.
Owner-occupied and investment commercial properties — industrial, retail, office, and mixed-use across Canada.
Apartment buildings, purpose-built rentals, and portfolio refinancings. Includes CMHC and conventional structures.
New builds, major renovations, and short-term bridge financing for time-sensitive situations and maturity events.
Working capital, term loans, and equipment financing for established Canadian businesses.
MIC and private lender placements — typically for time-sensitive acquisitions or bridge requirements.
Mandates originating from accountant, lawyer, and bank referrals — a growing part of our practice.
Every mandate on this page started with a conversation. Most began with a situation someone else had already declined.