Commercial Lines of Credit in Ontario
Revolving credit facilities secured by your commercial real estate — pay interest only on what you draw, with equity extraction up to 80% LTV.
Commercial Lines of Credit
A commercial line of credit lets you put the equity you've built to work — without selling, without breaking a low-rate first mortgage, and without committing to a full refinance.
Whether you're funding the next acquisition, capitalizing tenant improvements, or maintaining a strategic reserve, a commercial line of credit gives you on-demand access to the equity in your asset. Most Ontario lenders allow combined LTV up to 80% across a first mortgage plus a revolving facility.
I structure stand-alone CLOCs, re-advanceable commercial mortgages, and hybrid facilities across institutional, alternative, and private lenders — matching the structure to your cash flow and growth plan.
How I Can Help
- Equity extraction up to 80% LTV on qualifying commercial assets
- Interest-only payment flexibility on drawn balances
- Stand-alone or re-advanceable mortgage + line structures
- Capital for acquisitions, tenant improvements, and working reserves
- Available from banks, credit unions, MICs, and private lenders
A Simple 4-Step Process
We discuss your business, the property or asset, and your capital objectives across the GTA or wider Ontario.
I prepare a lender-ready submission with financials, leases, rent rolls, and appraisals tailored to FSRA-regulated lenders.
I shop your file across Schedule A banks, credit unions, MICs, and private capital to secure the strongest DSCR and structure.
I coordinate with your lawyer and the lender so funds land on closing day without surprises.
What Ontario Clients Say
Nick secured financing for our second commercial unit in Etobicoke when two other agents said it couldn't be done. Professional from start to finish.
Let'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."
