Commercial Lending Solutions
Commercial Mortgage Solutions
Max Capital Financial provides structured commercial mortgage solutions for investors, developers, and business owners across Western Canada.
Institutional
Lender Access
Credit Union
Lender Access
CMHC
Lender Access
Private
Lender Access
Built around your project
What We Finance
We arrange financing for multifamily, industrial, retail, office, mixed-use, land, and construction projects — with access to institutional, credit union, alternative, CMHC, and private lenders.
Our role is to analyze your project, structure the mortgage, and secure competitive terms that align with your strategy, cash flow, and long-term investment goals.
Multifamily
Acquisition, refinance, equity take-outs, and CMHC take-out strategies for stabilized and value-add multifamily properties.
Industrial
Financing for warehouses, distribution facilities, and condo bays.
Retail & Office
Financing for single-tenant, multi-tenant, and mixed-use commercial buildings.
Land
Serviced and unserviced land financing for acquisition, holding, and development preparation.
Construction
Ground-up development financing with flexible draw schedules and interest-only terms.
Bridge Financing
Short-term solutions for time-sensitive closings, repositioning, or transitioning into CMHC or institutional financing.
Private Commercial Mortgages
Fast, flexible lending for unique situations requiring immediate capital or covenant-light structures.
From review to closing
Our Commercial Mortgage Process
- 01
Initial Review
We assess the asset, borrower profile, cash flow, and project strategy to determine the best lender class.
- 02
Underwriting & Structuring
We prepare a lender-ready package including DSCR, NOI, rent rolls, pro formas, and covenant analysis.
- 03
Lender Matching
We match your project with institutional, credit union, alternative, or private lenders based on leverage, timeline, and risk profile.
- 04
Approval & Conditions
We negotiate terms, covenants, amortization, and security requirements to ensure the mortgage aligns with your goals.
- 05
Funding
We coordinate closing with lenders, lawyers, and stakeholders to ensure a smooth funding process.
Choose the right capital
Commercial Mortgage Options
01
Institutional Lenders
Best for stabilized assets, strong covenants, and long-term financing.
02
Credit Unions
Flexible underwriting, relationship-based lending, and competitive rates for owner-occupied and investment properties.
03
CMHC Financing
High leverage, low rates, and long amortizations for multifamily projects.
04
Alternative Lenders
Ideal for value-add, transitional assets, or borrowers requiring flexible structures.
05
Private Lenders
Fast approvals, equity-based lending, and short-term solutions for time-sensitive opportunities.
Compare lender classes
Bank vs Credit Union vs CMHC vs Private
Bank Financing
Lowest rates
Strict covenants
Best for stabilized assets
Credit Unions
Flexible underwriting
Relationship-driven
Good for owner-occupied
CMHC
Highest leverage
Long amortizations
Multifamily only
Private Lenders
Fastest approvals
Covenant-light
Bridge & special situations
Bank Financing
Lowest rates
Strict covenants
Best for stabilized assets
Credit Unions
Flexible underwriting
Relationship-driven
Good for owner-occupied
CMHC
Highest leverage
Long amortizations
Multifamily only
Private Lenders
Fastest approvals
Covenant-light
Bridge & special situations
Structured outcomes
Commercial Mortgage Case Studies
Case 01
Loan amount
$1,280,000
Industrial Refinance
Balloon Payment Coming Due
- Asset type
- Industrial condo bay
- Lender class
- Credit Union
Challenge
Borrower needed to refinance an upcoming balloon payment and consolidate existing debt.
Solution
We structured a refinance package and placed it with a relationship-focused credit union.
Outcome
Borrower reduced monthly payments and secured a stable long-term mortgage.
Case 02
Loan amount
$2,750,000
Mixed-Use Acquisition
Lease Rollovers
- Asset type
- Mixed-use retail + residential
- Lender class
- Alternative
Challenge
Several tenants were on month-to-month leases, making institutional financing difficult.
Solution
We arranged an alternative lender mortgage with a 24-month interest-only term.
Outcome
Borrower completed the acquisition and positioned the building for future CMHC or institutional refinancing.
Case 03
Loan amount
$900,000
Land Holding Mortgage
Development Preparation
- Asset type
- Serviced land
- Lender class
- Private
Challenge
Borrower needed a short-term land loan while preparing development plans and rezoning documents.
Solution
We arranged a private mortgage with flexible terms and interest-only payments.
Outcome
Borrower secured the land and advanced development planning without restrictive covenants.
Common questions
Commercial Mortgage FAQs
What documents are required for commercial mortgages?
Rent rolls, leases, financial statements, pro formas, and property details.
How long does commercial mortgage approval take?
Institutional approvals: 2–6 weeks. Private financing: often within days.
Do you arrange private commercial mortgages?
Yes — for bridge, land, and time-sensitive financing.
What affects commercial mortgage rates?
Asset type, DSCR, leverage, borrower strength, and lender class.
Build the right financing structure
Start Your Commercial Mortgage
Whether you’re acquiring, refinancing, developing, or transitioning into CMHC or institutional financing, Max Capital Financial provides structured commercial mortgage solutions tailored to your project.
