Private Commercial Mortgages in Ontario
Fast, equity-based commercial capital from FSRA-regulated MICs and private lenders — for value-add deals, transitional assets, and time-sensitive closings.
Private Commercial Mortgages
Private commercial mortgages aren't a last resort — they're a strategic bridge that lets sophisticated operators move on opportunities banks can't underwrite in time.
FSRA-regulated MICs and private lenders look primarily at the asset, the equity, and a credible exit. That makes them ideal for value-add acquisitions, repositioning plays, urgent closings, and files with non-traditional income or covenant stories.
I structure private commercial mortgages with clear 12–24 month exit plans — typically a refinance back to an A or B institutional lender once the asset is stabilized.
How I Can Help
- FSRA-compliant private first and second commercial mortgages
- Asset-backed underwriting — covenant and stated income are secondary
- Closings in as little as 10–15 business days on clean files
- Bridge capital for repositioning, lease-up, and value-add projects
- Clear exit planning back to institutional or CMHC financing
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."
