FSRA Licence #11995
(647) 830-9494
Specialized Capital Desk

Complex Capital, Directly Structured.

When standard A-lender automated scorecards decline an otherwise strong transaction, our capital desk steps in with direct underwriting relationships across commercial lenders, MICs, and private pools.

Modern Toronto commercial architecture with glass facade

Three Desks

Specialized Capital Solutions.

Commercial Real Estate Desk

Acquisition, refinance, and term debt for industrial, retail, office, medical, and mixed-use assets. Underwriting driven by NOI, DSCR, and lease strength.

  • LTV up to 75% on stabilized assets
  • DSCR from 1.20x
  • Term debt and bridge facilities
  • MIC and institutional capital access

Construction & Infill Draws

Structured progress-draw facilities for custom luxury builds, infill subdivisions, and major renovations with milestone-based disbursements.

  • Interest reserve modeling
  • Milestone inspection draws
  • Builder / GC vetting
  • Take-out to permanent financing

Private Mortgages & Short-Term Debt

Fast, flexible 1st and 2nd mortgages when institutional timelines or income structures don't fit. Asset-based underwriting with clear exit strategies.

  • Closings in 5–10 business days
  • 1st & 2nd mortgage positions
  • Bridge and interim financing
  • Credit restoration strategies

When Standard Fails

Deals Requiring Custom Underwriting.

These scenarios routinely fall outside automated A-lender scorecards but are well within our capital desk's mandate.

Self-employed applicants with complex income
Corporate / HoldCo borrowing structures
Multi-property investment portfolios
Infill lot acquisitions and custom builds
Bridge financing between delayed closings
Credit restoration and non-traditional credit
Mixed-use residential commercial properties
Equity take-out for business or investment

Have a Deal Requiring Custom Underwriting?

Send us the deal summary — purchase price, LTV, property type, and exit strategy. We'll respond within one business day with structuring options across our lender network.