Commercial financing, with the right partner leading when it matters.
Commercial lending is its own world: different lenders, longer timelines, and underwriting built on the property’s income rather than yours. We assess the file, explain what will be asked, and bring in a commercial specialist to lead when the deal calls for one.
- You own a business and want to buy the premises instead of renting.
- You are looking at a five-plus unit residential building.
- You are buying mixed-use or retail space as an investment.
- You have been told your deal is "too commercial" for a residential mortgage.
- The property’s net operating income and the debt service coverage it supports.
- Down payment of 25% to 35% or more, depending on property type and lender.
- The borrower: business financials, personal net worth, experience with similar properties.
- Environmental and building condition reports, appraisals and leases.
- Timelines of weeks, not days, and lender and legal fees that are higher than residential.
- We start with a plain assessment: is this a residential file in disguise, a small commercial file, or a deal for a specialist?
- We explain the documents and fees before you spend money on reports.
- When a specialist should lead, we introduce a licensed commercial mortgage professional and stay involved so you are not starting over.
- For a five-plus unit residential building, we look at CMHC multi-unit programs, which can change the whole structure.
A business owner wants to buy the $1.4 million building the business rents. We gather the business financials and the lease terms, run the coverage ratio, and it is a real commercial file.
We introduce a commercial specialist, join the first meeting, and follow the file to funding. The owner has one point of contact who already knows the story.
Every commercial file is different; this shows the process, not an outcome. Constants verified 2026-09-16.
Have these ready and the first meeting does the work of three.
Send them through our secure application, never by regular email.
- Two to three years of business financial statements
- Rent roll and leases for the property
- Personal net worth statement
- Purchase agreement and property details
- Existing environmental or building reports, if any
Do you arrange commercial mortgages yourselves?
We assess and coordinate. Files that fit a residential or small-commercial lender we handle; larger or more complex deals are led by a licensed commercial mortgage specialist we introduce and work alongside.
How much down payment does commercial need?
Usually 25% to 35%, sometimes more. CMHC-insured multi-unit residential programs can allow less for buildings of five or more units.
How long does it take?
Six to twelve weeks is common, because of appraisals, reports and lender committees. Start before you have a firm deadline.
Talk to us about your situation.
A first conversation costs nothing. Bring the questions; we bring the numbers.
Cristina
Newcomers on work permits or PR, first-time buyers, renewals and refinances.
English · Español
Juan
First-time buyers, self-employed income, and files a bank has already declined.
English · Español
Sheryl
First-time buyers, self-employed professionals, refinancing and home equity.
English
First-time buyers
Down payment, programs, pre-approval and what happens after your offer is accepted.
See the stepsNew to Canada
Work permit, PR or citizen: which lenders accept your status and your income history.
See the stepsSelf-employed
Your tax return is not your income. We show lenders the business behind it.
See the steps