Commercial and private financing for Toronto property that earns its keep.
Our commercial desk arranges bank and private capital on income-producing and development property throughout Toronto and the GTA - from a four-plex to a fully drawn construction facility. We assemble the package, run the timeline, and negotiate terms.
How are commercial mortgages in Toronto approved?
Commercial lenders underwrite mainly on the property's income, debt service coverage and location, then on the borrower's experience and net worth. Multi-residential, mixed-use, retail, industrial and land deals each have different loan-to-value limits, and private or MIC financing can cover construction or quick-close situations.
Related: Commercial mortgage guide · Private financing · Refinancing
Mortgage Agent Level 2, FSRA #M15001135 · Mortgage Alliance, FSRA Brokerage #10530
View credentialsWhat we place financing on.
Apartment buildings
Small walk-ups through mid-rise rental portfolios, with CMHC-insured options where the property qualifies.
Retail & mixed-use
Storefronts, strip plazas, and apartments-over-retail buildings scattered across the GTA's main streets.
Office space
Medical suites, dental offices, and smaller multi-tenant buildings that don't fit a standard bank template.
Industrial
Distribution, light manufacturing, and flex bays across Toronto's industrial corridors.
Land
Raw and pre-development parcels, priced around your approvals and holding-cost timeline.
Construction
Draw-based builds and bridge capital carrying you through to lease-up, sale, or a permanent lender.
Matching capital to the plan, not the other way around.
Bank & credit union debt
First mortgages priced against stabilized, cash-flowing property for owners who qualify on standard terms.
CMHC-insured financing
Extended amortizations and higher leverage on qualifying rental buildings.
Bridge financing
Short-term capital to close quickly while you lease up, renovate, or line up permanent financing.
Private mortgages
Equity-focused capital when the timeline, the story behind the numbers, or the leverage needed rules out a bank.
Give us the numbers - we'll map out where it lands.
Send the address, the rent roll or pro forma, and the amount you're after. You'll get a candid read on leverage, structure, and whether this is a bank file, a private file, or something in between.
Deal on a tight clock? Text (647) 342-1355 for the quickest response, or call that same number and ask for the commercial desk.
Tools that pair with a commercial file
Market data, business advisory, and appraisal support that make a commercial or private mortgage submission stronger.
- Toronto commercial real estate insightsMarket coverage on GTA multi-residential, retail, office, and industrial properties - a good starting point before arranging commercial mortgage financing.
- Toronto business consulting and brokerageConsulting and brokerage support for GTA business owners buying, selling, or scaling a company - often paired with commercial and acquisition financing.
- Toronto home valuation serviceFree property valuations for Toronto and GTA homeowners - useful before a refinance, equity take-out, or renewal so you know the value your lender will be working from.