Commercial Financing Solutions for Every Asset Class
From Schedule A institutional capital to private bridge debt and business financing — Nick Berardi structures tailored commercial strategies backed by a network of 50+ lenders across Ontario.
Bank & Institutional Lending
Standard A-Bank Mortgages
Tier-1 institutional capital for stabilized commercial assets.
- Schedule A bank & credit union capital
- Long amortizations on stabilized assets
- DSCR-based institutional underwriting
- Owner-occupied & investment financing
CMHC Certified Commercial
CMHC-insured multi-residential and mixed-use financing.
- CMHC MLI Select & Standard programs
- Multi-unit residential & mixed-use
- Up to 95% LTV, 50-year amortizations
- Energy & affordability premium scoring
Alternative & Private
Private Commercial Mortgages
Equity-based commercial capital when speed or story matters.
- FSRA-regulated MIC & private capital
- Asset-backed, equity-based underwriting
- Closings in as little as 10–15 days
- Bridge for repositioning & value-add
Blanket Mortgages
Single mortgage secured across multiple commercial properties.
- Single facility across multiple assets
- Stronger combined portfolio leverage
- Streamlined reporting & renewals
- Structured release clauses
Capital & Equity
Commercial Lines of Credit
Revolving capital secured by your commercial real estate.
- Equity extraction up to 80% LTV
- Interest-only on drawn balances
- Stand-alone or re-advanceable
- Capital for acquisitions & TI
Bridge & Construction Financing
Short-term capital for repositioning, construction, and land.
- Ground-up construction with draws
- Bridge for repositioning & lease-up
- Land development across Ontario
- Take-out planning into A/CMHC
Business Financing
Small Business Loans
Working capital and growth financing for Ontario businesses.
- Working capital lines of credit
- CSBFP-backed term loans up to $1M
- Mezzanine & subordinated debt
- Owner-occupied commercial real estate
Equipment & Asset Financing
Capital secured by the equipment, vehicles, and assets you need.
- Term loans & leases on equipment
- Vehicle & fleet financing
- Sale-leasebacks on owned assets
- Asset-backed lending on A/R & inventory
Not sure which structure fits your deal?
Book a free, no-obligation call. We'll review your asset, your sponsor profile, and your timeline — and map out the right capital stack for your project in under 20 minutes.
BOOK A CALLLet's Connect and
Structure Your Capital Stack.
Reach out for institutional, private, and business financing across Ontario — structured around your asset, your DSCR, and your timeline.
WHY WORK WITH NICK:
- Access to 50+ Commercial Lenders
- DSCR-Optimized Structuring
- Bank, CMHC, MIC & Private Capital
- Fast, Lender-Ready Submissions
- Transparent, FSRA-Compliant Advice
- No-Obligation Consultations
Real People. Real Results.
"Nick made the entire process so easy and stress-free. He explained everything clearly and got me a rate I didn't think was possible!"
"Highly recommend Nick! He was responsive, knowledgeable, and truly had my best interests at heart."
"Nick helped me refinance and access equity for my renovations. The process was quick and seamless."
"Nick made the entire process so easy and stress-free. He explained everything clearly and got me a rate I didn't think was possible!"
"Highly recommend Nick! He was responsive, knowledgeable, and truly had my best interests at heart."
"Nick helped me refinance and access equity for my renovations. The process was quick and seamless."
