Strategy

Our business model is structured around two objectives:

• Providing commercial property developers with mortgages custom-tailored to their investment needs
• Offering investors a secure source of income from a diversified pool of fully secured commercial mortgages

FOR BORROWERS: FLEXIBLE TERMS AND ATTRACTIVE RATES

We provide primarily first and second mortgages and bridge financing to borrowers seeking to purchase, refinance, refurbish or develop commercial real estate in major Canadian markets. Our in-house team handles all aspects of these transactions quickly and efficiently.

All of our mortgages are custom tailored. Loans typically range from $1 million to $35 million over terms up to 36 months, with interest rates as low as 6%, depending on the property. Our underwriting process focuses on borrower experience and includes a thorough analysis of:

• Project economics and exit strategies
• Property values and credit assessments
• Micro- and macro-market conditions

FOR INVESTORS: RIGOROUS RISK MANAGEMENT AND STABLE INCOME

We offer a range of mortgage investments funds for investors seeking steady quarterly income. Our funds pool together a balanced portfolio of fully-secured commercial mortgages that provide ready liquidity to investors. We adhere to a conservative lending policy that includes:

• Lending only against properties with definable exit strategies and favourable valuations
• Investing in short-term mortgages (6 to 36 months) to mitigate interest rate and market risks
• Conducting thorough due diligence and credit assessments
• Structuring innovative financings to boost investment returns