Commercial Purchase Financing

We arrange financing for virtually every commercial property type across Canada. This includes office buildings, multi-family apartment buildings, industrial warehouses, retail plazas, hotels, auto dealerships, shopping centres, storage facilities, mixed-use properties, and land for development. Each property type has unique underwriting criteria, and our access to 40+ lenders means we can match the right financing to your specific asset.

Standard commercial purchases require a minimum 25% down payment, resulting in a 75% loan-to-value ratio. However, multi-unit residential properties with 5+ units may qualify for CMHC insurance, reducing the required down payment to as low as 15%. The exact amount depends on the property type, location, net operating income, and the strength of your borrower profile. We work with each client to identify the most favorable structure.

Approval timelines vary depending on the lender and deal complexity. Institutional lenders typically take 3 to 6 weeks for full approval and funding. Private lenders can approve and fund within 5 to 10 business days for straightforward transactions. We begin every engagement with a thorough pre-qualification so you know where you stand before making an offer on a property.

Yes. Bank declines are one of the most common scenarios we work with. Our network includes alternative institutional lenders, credit unions, and private lenders who evaluate deals differently than traditional banks. Whether the decline was due to property type, income verification, credit history, or deal structure, we have options to get your acquisition financed.