Commercial Financing Solutions for Businesses in Canada
Welcome to your guide to commercial financing solutions in Western Canada! We specialize in comprehensive business financing options for entrepreneurs and investors in Western Canada.
We’re here to help you navigate the different commercial loan types and understand which one best suits your specific business needs. Our expert team will help you determine tailored solutions for projects ranging from $1 million to $100 million.
Choose the Right Commercial Financing for Your Business Needs
Different business situations require different financing structures, which is why it’s so important to find the right brokerage! We’ll work with you to find the right solution for your business objectives and timelines. We offer a wide selection of commercial mortgage options to meet your needs, including construction loans, purchase financing, refinancing, and bridge loans.
Construction Loans
Navigating construction financing in Canada can be complex, but with our expert guidance, we’ll help you bring your dream projects to life. Our solutions are designed to provide the funding you need to bring your vision to life, whether it’s for new commercial building construction, multi-unit residential developments, or major renovations and expansions.
We understand the intricacies of real estate development, and our team is here to help you every step of the way.
Ideal For
- New commercial building construction
- Multi-unit residential developments (5+ units)
- Major property renovations or expansions
- Land development projects
Key Features
- Loan-to-cost ratios competitive with market
- Progress draw structure matching construction milestones
- Interest-only payments during construction
- Conversion to permanent financing upon completion
Commercial Property Financing
If your business is outgrowing your current space, you have more to think about than just real estate. Let us make the financing simple!We offer financing for a wide range of property types and can help you secure conventional and high leverage financing options (up to 100% financing).
Property Types Financed
- Office buildings (all classes)
- Industrial and warehouse properties
- Retail spaces and shopping centers
- Multi-family residential (5+ units)
- Special purpose properties
Financing Structure
- Down payment of typically 20-35% (depending on property type)
- Amortization periods up to 25-30 years
- Fixed or variable rate options
- Debt service coverage ratio requirements
Ready to acquire a property? Learn more about our real estate financing options:
Refinancing Your Current Commercial Mortgage
Navigating the refinancing process can feel daunting, but it’s a powerful tool to improve your position as a property owner without selling. Whatever your financial situation, we’ll help you feel more confident and comfortable through refinancing options.
Common Refinancing Goals
- Access equity for business expansion
- Secure better interest rates
- Consolidate multiple properties
- Change from variable to fixed rates
- Extend amortization for improved cash flow
Benefits of Refinancing
- Release capital without selling property
- Potentially lower monthly payments
- Restructure debt for tax efficiency
- Fund improvements or expansions
Our team analyzes current market conditions against your existing mortgage terms to determine the ideal time to refinance. While penalties may apply for breaking your current mortgage, the long-term benefits often offset these costs.
Ready to feel better about your finances? Explore potential savings with our refinancing calculator or learn more about our options here:
Fast Financing With Bridge Loans
Bridge loans are short-term financing solutions for immediate needs, such as a time-sensitive acquisition or covering seasonal cash flow needs. They can close in as little as 5-10 days, making them a powerful tool for strategic business moves or urgent financial situations!
Common Refinancing Goals
- Purchasing before selling existing property
- Auction or foreclosure opportunities
Quick close requirements (5-10 days possible) - Gap financing between permanent loans
- Seasonal business cash flow needs
- Private Financing
- Mezzanine Debt
Financing Structure
- Terms of typically 3-24 months
- Interest-only payment options
- Up to 75% of property value
- Fast approval and funding
- Clear exit strategy required
While bridge loans commercial may have higher interest rates, these are often a worthwhile trade-off to not miss an exciting purchasing opportunity! Our team will offer a clear exit strategy for every bridge loan, whether it’s through the sale of a property or securing permanent financing. This focus on a solid repayment plan ensures that this short-term business financing is a strategic and effective tool for your business’s growth.
Other Financing Opportunities
We also offer other specialized commercial mortgage financing solutions for different business scenarios:
- CMHC Insured Financing: Government-backed loans with favourable terms for qualifying properties.
- Business Transition Loans: Our business transition financing options are crafted to support smooth ownership changes and management buyouts.
- Leasehold Improvement Financing: We provide the necessary funds for alterations that enhance your operational space.
Ready to explore all of your financing options? Our expert team can provide a holistic evaluation of your business to determine the best structure for your needs. Reach out to our team today to find out if one of these specialized commercial mortgages is the right solution for you.
How To Determine Your Best Financing Option
Choosing the right commercial financing solution can be complex. There is a lot to take into consideration, such as:
Current business stage and growth plans
Property type and location
Available down payment or equity
Timeline and urgency
Cash flow projections
Exit strategy (if applicable)
Luckily, you’re in the right place to start!
Review the financing solutions on this page and start thinking about which one would meet your needs. Check out our commercial mortgage calculator for a better picture of your position.
Then, book a consultation with one of our expert commercial mortgage brokers for a personalized analysis to determine the best fit for your unique situation. Our experienced team can even help you combine multiple financing types for optimal results.
Ready To Get Started?
If you’re ready to take the next step to achieving your business goals with commercial financing solutions, we’re ready to help! Contact us to get started!