COMMERCIAL MORTGAGES · ONTARIO

Commercial financing starts with the property, the numbers and the deal.

Financing for commercial, multifamily, mixed-use, industrial, office and investment properties across Ontario.

Discuss a Commercial Mortgage → See How Commercial Financing Works ↓

Commercial Multifamily Mixed-Use Investment

A MESSAGE FROM Rick Bettencourt

Real Answers. A Clearer Path Forward.

COMMERCIAL MORTGAGE ADVICE

Commercial lending is not just a bigger residential mortgage.

The property, its income, the borrower and the purpose of the financing all matter. The right starting point is understanding the transaction as a whole before deciding which lender or mortgage structure makes sense.

Understand the Asset

Property type, location, value, condition, marketability and intended use influence lender appetite and available leverage.

Understand the Cash Flow

For income-producing properties, lenders examine revenue, expenses, leases, vacancy and debt-service coverage.

Understand the Borrower

Net worth, liquidity, experience, credit and corporate or personal financial strength can affect the financing.

Structure the Deal

Loan amount, leverage, rate, amortization, term, recourse, prepayment provisions and the exit strategy all matter.

WHAT WE FINANCE

Different properties require different lending strategies.

Commercial lenders specialize. Property type, use, tenancy and cash flow help determine which lenders and structures should be considered.

Multifamily & Apartment Buildings

Financing for apartment buildings and rental properties where income, expenses and debt-service coverage drive the structure.

Mixed-Use Properties

Properties combining residential and commercial space, with underwriting based on the income and risk of both uses.

Industrial Properties

Owner-occupied or investment industrial properties, including warehouse, manufacturing and flex space.

Office Properties

Financing based on tenancy, lease terms, vacancy, operating income and the quality and location of the asset.

Owner-Occupied Commercial

Financing for businesses purchasing or refinancing the commercial property from which they operate.

Investment Properties

Commercial and income-producing real estate held for long-term investment, redevelopment or repositioning.

THE FINANCING NEED

Commercial mortgages can solve more than one type of transaction.

The financing structure should match what is happening with the property today and what you intend to do with it next.

Purchase Financing

Finance the acquisition of an owner-occupied or investment commercial property.

Commercial Refinance

Replace existing debt, access equity or restructure financing around the current property and business position.

Debt Consolidation

Restructure qualifying business or property-related debt when sufficient equity and lender support exist.

Bridge & Transitional Financing

Shorter-term financing while a property is stabilized, leased, renovated or prepared for longer-term financing.

Equity Take-Out

Access commercial property equity for business expansion, another acquisition or another defined purpose.

Construction & Improvement

Financing for qualifying construction, redevelopment, conversion or substantial property improvements.

HOW THE PROCESS STARTS

Start with the numbers before approaching lenders.

A commercial file moves more efficiently when the core information is clear at the beginning. We first establish what the property is, what it produces, what is owed and what you are trying to accomplish.

Discuss the Property →

Property Information

Address, property type, estimated value, purchase price if applicable and details of existing financing.

Income & Expenses

Rent roll, leases, operating statements and property expenses for income-producing assets.

Borrower Information

Corporate and personal financial information, net worth, liquidity and relevant operating experience.

Financing Objective

How much is required, why it is required and the longer-term strategy for the property.

THE WHOLE DEAL MATTERS

Rate is important. Structure can be just as important.

A lower rate does not automatically make one commercial mortgage better than another. Amortization, leverage, lender fees, prepayment terms, recourse, reporting requirements, renewal risk and flexibility can materially affect the transaction.

LeverageCash FlowAmortization TermPrepaymentExit Strategy

COMMERCIAL MORTGAGE QUESTIONS

Want to understand the financing before starting?

Review practical answers about commercial mortgage rates, down payments, loan-to-value, apartment financing, mixed-use properties and more.

Explore Commercial Mortgage Questions →

HAVE A COMMERCIAL PROPERTY TO FINANCE?

Let's look at the property, the numbers and the financing objective.

Send the basic details and we can determine which commercial lending options are worth pursuing.

Discuss the Property → Call Rick: (647) 952-1661