Commercial mORTGAGE Solutions
Commercial Mortgage Solutions
Get Commercial Mortgage Financing in Alberta and BC — Structured by MAX Capital Financial.
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.
Send us your property details and we will come back with structuring options within 48 hours — no upfront fees, no commitment required.
Private commercial financing funded in as little as 3–10 business days. Institutional deals typically 30–90 days.
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
Initial Review
We assess the asset, borrower profile, cash flow, and project strategy to determine the right lender class.
Underwriting & Structuring
We prepare a lender-ready package including DSCR, NOI, rent rolls, pro formas, and covenant analysis.
Lender Matching
We match your project with institutional, credit union, alternative, or private lenders based on leverage, timeline, and risk profile.
Approval & Conditions
We negotiate terms, covenants, amortization, and security requirements to align the mortgage with your goals.
Funding
We coordinate closing with lenders, lawyers, and stakeholders to ensure a smooth funding process.
Choose the Right Capital
Commercial Mortgage Options
Every project calls for a different balance of cost, speed, leverage, and flexibility. We place your deal with the lender class that best fits the strategy.
Institutional Lenders
Best for stabilized assets, strong covenants, and long-term financing.
Credit Unions
Flexible underwriting, relationship-based lending, and competitive rates for owner-occupied and investment properties.
CMHC Financing
High leverage, low rates, and long amortizations for multifamily projects.
Alternative Lenders
Ideal for value-add, transitional assets, or borrowers requiring flexible structures.
Private Lenders
Fast approvals, equity-based lending, and short-term solutions for time-sensitive opportunities.
Compare Lender Classes
Commercial Mortgage Lender Comparison
| Lender Type | Typical Rate Range | Maximum LTV | Approval Speed | Best Use Case |
|---|---|---|---|---|
| Schedule A Bank | Prime + 0.50–1.50% | 65–75% | 30–90 days | Stabilized income-producing properties with strong financials |
| Credit Union | Prime + 0.75–2.00% | 70–75% | 21–45 days | Local and regional deals; borrowers with strong community ties |
| MIC | 7.99–11.99% | 70–80% | 5–15 days | Bridge financing; value-add deals; borrowers with credit challenges |
| CMHC Insured | Prime + 0.50–1.25% | Up to 85% | 45–90 days | Multifamily residential; purpose-built rental; affordable housing |
| Private Lender | 9.99–14.99%+ | 60–75% | 3–10 days | Time-sensitive deals; properties outside conventional lending; construction |
British Columbia Financing
Commercial Mortgages Across BC
Structured Outcomes
Commercial Mortgage Case Studies
Industrial Refinance
- Asset type
- Industrial condo bay
- Lender class
- Credit Union
Challenge
Solution
Outcome
Mixed-Use Acquisition
- Asset type
- Mixed-use retail + residential
- Lender class
- Alternative
Challenge
Solution
Outcome
Land Holding Mortgage
- Asset type
- Serviced land
- Lender class
- Private
Challenge
Solution
Outcome
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.
