Commercial Financing
Fuel Your Business Growth and Secure Strategic Commercial Properties.
Investing in commercial real estate is a powerful milestone for business expansion, portfolio diversification, or long-term wealth building. Whether you are purchasing your first retail storefront, expanding an industrial warehouse, or refinancing an existing commercial asset, personalized financing solutions help you secure capital structured around your business goals and cash-flow requirements.
What Is Commercial Financing?
Commercial financing refers to loans used by businesses, investors and developers to purchase, refinance or develop commercial real estate, such as office buildings, retail spaces, industrial and warehouse properties, mixed-use buildings and multi-family residential buildings with five or more units.
Unlike residential mortgages, which are qualified mainly on personal income, commercial loans are underwritten primarily on the property’s net operating income and its debt service coverage ratio (DSCR), along with the strength of the borrower or business and their experience. Commercial loans typically require a larger down payment, often 25%–35% or more, and terms and amortizations vary widely by lender and property type. For larger multi-unit rental buildings, CMHC-insured programs may offer longer amortizations and higher loan-to-value ratios.
Benefits of Commercial Financing
- Secure capital to acquire, expand, or upgrade commercial real estate that supports your business operations.
- Maximize your investment returns with competitive interest rates and flexible loan structures.
- Leverage the equity in existing commercial properties to fund business growth or operational needs.
- Choose amortization schedules designed to align with your business cash flow and revenue cycles.
- Diversify your investment portfolio with stable, income-producing commercial real estate assets.
- Move forward with expert guidance and a transparent financing strategy tailored for business success.
Our Commercial Financing Solutions
Retail & Office Property Loans
Get specialized financing support for purchasing or refinancing storefronts, professional offices, and commercial plazas tailored to your business footprint.
Industrial & Warehouse Financing
Secure customized loans for manufacturing facilities, distribution centers, and industrial warehouses to scale your logistical operations.
Multi-Family Residential Mortgages
Explore financing options for apartment buildings and multi-unit residential properties designed to maximize rental income and long-term equity.
Commercial Land & Development Loans
Access early-stage capital and acquisition financing for raw land or upcoming commercial construction and development projects.
Refinancing & Capital Extraction
Tap into your commercial property’s built-up equity to consolidate business debt, fund expansion, or invest in new ventures.
Personalized Business Strategy
Receive expert mortgage guidance tailored to your corporate financial profile, income history, and long-term commercial objectives
