Commercial Mortgage Solutions
From construction projects to mall acquisitions, we structure financing for BC's entrepreneurs, developers, and investors — backed by 30+ institutional and private lender partners.
What We Finance
Every Type of Commercial Deal
Whether you're building from the ground up or acquiring an operating business, we have the lender relationships and structuring expertise to get your deal funded.
Construction Financing
Ground-up builds, multi-family construction, renovations, and spec home projects with draw-schedule-based funding.
Learn moreLand & Development
Raw land, serviced lots, subdivision-potential properties, and development land across British Columbia.
Learn moreMulti-Family & Multiplex
Duplexes, triplexes, fourplexes, and 5+ unit apartment buildings with rental income qualification.
Learn moreRetail & Mall Purchases
Strip malls, shopping centres, retail storefronts, and mixed-use commercial properties throughout BC.
Learn moreBusiness Acquisitions
Purchase financing for existing businesses including restaurants, franchises, professional practices, and operating companies.
Learn moreInventory & Equipment Loans
Working capital secured against inventory, equipment, and business assets to fuel growth and operations.
Learn moreMixed-Use Properties
Buildings combining retail, office, and residential units. Specialized underwriting for complex income streams.
Learn moreKey Differences
How Commercial Differs from Residential
Commercial lending operates under a completely different framework. Understanding these differences is critical to getting your deal approved.
Income-Based Qualification
Unlike residential mortgages that use your personal GDS/TDS ratios, commercial deals are evaluated on the property's Debt Service Coverage Ratio (DSCR), Net Operating Income (NOI), and capitalization rate. The property needs to pay for itself.
Larger Loans, Different Lenders
Commercial deals typically start at $500K and can exceed $20M+. We work with institutional lenders, credit unions, private capital pools, and syndicated mortgage investors who specialize in commercial transactions.
Custom Structuring Required
Every commercial deal is unique. We package your application with business financials, appraisals, environmental reports, and feasibility studies. Our expertise in deal structuring is what gets complex transactions across the finish line.
Our Process
From Inquiry to Funding
Our commercial mortgage process is designed for speed and certainty. Here's how we move your deal from concept to closing.
Initial Assessment
We review your deal structure, property details, business financials, and objectives. Within 24 hours you'll have a clear picture of your options and likely terms.
Financial Packaging
We prepare a professional lender-ready package including financial analysis, property appraisal coordination, environmental reports, and a compelling deal narrative.
Lender Matching
We submit to the most suitable lenders from our network of 30+ institutional and private partners. Competitive bidding gets you the best rate and terms.
Closing & Funding
We manage the entire closing process — coordinating lawyers, appraisers, and lenders to ensure smooth funding on schedule.
Deal Parameters
What We Typically See
Every commercial deal is different, but here are the general parameters we work within. If your deal falls outside these ranges, call us — we can likely still help.
Typical Rate Ranges
A-lender, stabilized properties with strong DSCR
Credit unions and alternative lenders, flexible qualification
Progress-based funding for new builds and major renovations
Raw land, subdivision, and pre-development financing
Have a Commercial Deal? Let's Talk.
Free consultation for commercial mortgage borrowers in BC. We'll tell you exactly what's possible and what it will take to get your deal funded.