Construction & bridge

Build and bridge — financed with certainty of close.

Construction draw facilities for new builds and major renovations, and short-term bridge financing for time-sensitive acquisitions, maturity events, and transitional situations across Ontario.

Discuss your file See mandates

At a glance

Loan typesConstruction draw, bridge, mini-perm

Typical facility size$500K – $15M

Loan-to-costUp to 75–85% of total project cost

Term6–24 months (bridge); 12–24 months (construction)

InterestInterest-only on drawn balance

Lender typesPrivate, MICs, credit unions, alt lenders

What we finance

Structures we arrange.

New construction

New build construction

Residential and commercial new construction. Phased draw facilities advance funds against construction progress, minimising carrying costs.

Phased draws tied to construction milestones

Renovations

Major renovation financing

Significant value-add renovations on existing commercial or residential properties — financed against stabilised as-improved value.

Fund before the value is realised

Bridge — acquisition

Acquisition bridge financing

Purchase a property quickly when conventional lender timelines won't work. Bridge holds the asset while permanent financing is arranged.

Commitment in 48–72 hours for qualified files

Bridge — maturity

Maturity default bridge

Existing mortgage matured and lender won't renew. Bridge financing halts power of sale proceedings and buys time to arrange permanent refinancing.

Emergency turnaround available

Land

Land and pre-development

Short-term financing for land acquisition ahead of development — bridging the period between purchase and construction financing approval.

Land as security; development plan assessed

Takeout

Construction takeout arrangement

We arrange the permanent takeout financing simultaneously with the construction facility — so you know your exit before you break ground.

Exit strategy structured at inception

The process

From first call to funded deal.

Project review

We assess the project: location, cost, timeline, equity, and exit strategy. No cost.

Lender matching

Construction and bridge lenders have specific appetite. We match your project to the right one.

Term sheet

Clear terms within 5 business days — facility size, LTC, draw schedule, rate, conditions.

Due diligence

Appraisal, quantity surveyor report, and legal — we coordinate all third-party requirements.

Funded

First draw released. We manage the draw process through project completion.

Why Arise

The Arise Capital advantage.

First-time developers considered

Track record matters to institutional construction lenders — but it isn't everything. We work with private and alternative lenders who underwrite the deal on its own merits: equity, location, and viability of the plan.

Speed when it matters most

Bridge financing situations are often urgent. We have lenders who can issue a commitment within 48 hours for qualified files — the difference between closing a deal and losing it.

Exit strategy structured from day one

We don't just arrange the construction facility — we arrange or pre-approve the permanent takeout simultaneously. You know your exit before you start.

Full project coordination

Construction financing involves appraisers, quantity surveyors, lawyers, and multiple draw inspections. We coordinate all of it, so you can focus on the build.

Frequently asked

Common questions.

I'm a first-time developer. Can you help me?

In many cases, yes. Institutional construction lenders typically require prior development experience, but private and alternative lenders assess files differently — looking more closely at equity position, project viability, the contractor's track record, and the quality of the pro forma. We've successfully placed construction facilities for first-time developers with strong equity positions and sound projects.

What is bridge financing and how long does it typically last?

Bridge financing is short-term secured lending — typically 6 to 18 months — designed to bridge a gap between a current situation and a permanent solution. Common uses include: purchasing a property before selling another, holding an asset while permanent refinancing is arranged, or stopping a power of sale process while a workout is negotiated. Rates are higher than conventional lending to reflect the short-term, transitional nature of the facility.

My existing mortgage matured and the lender won't renew. How quickly can you move?

This is one of the most time-sensitive situations we handle. For a maturity default where power of sale is being threatened, we can often have a bridge commitment letter issued within 48–72 hours of receiving basic property and mortgage details. Speed is the primary consideration in these situations — call us directly rather than submitting a web form.

What do construction lenders look for beyond track record?

Equity contribution (typically 20–35% of total project cost), a credible general contractor with a fixed-price contract, an independent cost estimate or quantity surveyor report, a realistic sales or rental absorption assumption, and a clear takeout strategy at project completion. We help you assemble and present all of these before approaching a lender.

Build and bridge — financed with certainty of close.

Structures we arrange.

From first call to funded deal.

The Arise Capital advantage.

Common questions.

Bring us your file.