Commercial Property & Business Financing
Acquire retail spaces, strip malls, office buildings, and operating businesses across BC. We structure commercial deals that institutional and private lenders want to fund.
Property & Business Types
What We Finance
From income-producing real estate to operating businesses and equipment, we structure financing across every commercial asset class in British Columbia.
Retail & Strip Malls
Storefronts, strip malls, shopping centres, and retail plazas with tenant income supporting debt service.
Office Buildings
Professional office spaces, medical buildings, and co-working spaces with multi-tenant or single-tenant leases.
Industrial & Warehouse
Distribution centres, manufacturing facilities, and flex industrial spaces across Metro Vancouver and BC.
Mixed-Use Properties
Buildings with combined retail, office, and residential components requiring specialized income blending.
Business Acquisitions
Purchase financing for restaurants, franchises, professional practices, and operating companies with goodwill valuation.
Inventory & Equipment
Working capital loans secured by business inventory, equipment, and receivables to fuel operations and growth.
Commercial Underwriting
How We Evaluate Your Deal
Commercial lending is driven by property and business performance, not just personal income. Here are the three core metrics every lender analyzes.
Net Operating Income (NOI)
Total rental or business income minus operating expenses. This is the core metric lenders use to determine how much debt a property can carry. We help maximize your NOI presentation.
Debt Service Coverage (DSCR)
NOI divided by annual debt payments. Most institutional lenders require 1.2x minimum — we find options at 1.1x and structure deals to improve your ratio before submission.
Cap Rate & Valuation
Property value equals NOI divided by Cap Rate. We help position your deal at the most favorable valuation by presenting income and expenses in the format lenders prefer.
What's Needed
Documentation Checklist
Commercial deals require more documentation than residential. Having these items ready speeds up your approval and gives lenders confidence in your deal.
Typical Rate Ranges
Stabilized properties with strong DSCR
Flexible qualification, local market knowledge
Complex deals, faster closing timelines
Bridge, turnaround, and time-sensitive transactions
Have a Commercial Deal? Let's Structure It.
Free consultation for commercial real estate and business purchase financing in BC. We'll analyze your deal and tell you exactly what's achievable.