Private lenders provide alternative financing when banks and institutional lenders say no—offering speed, flexibility, and a personalized approach.
Private lending refers to mortgage financing provided by an individual or organization that is not a bank, credit union, or other traditional financial institution. These lenders use private capital to fund loans, often backed by real estate as collateral.
Private mortgages are commonly short-term (6–24 months) and used for purposes such as:
Bridge financing
Debt consolidation
Home renovation or construction
Property investment
Land acquisition
Rebuilding credit after bankruptcy or consumer proposal
Private mortgages are ideal for borrowers who:
Have been declined by banks due to credit issues or income verification
Are self-employed with non-traditional income
Have high debt loads or recent financial setbacks
Need fast funding for time-sensitive real estate deals
Are purchasing or refinancing unconventional properties (e.g., rural, mixed-use, or distressed)
Private lenders can approve and fund deals in a matter of days, making them ideal for urgent or complex transactions. Documentation requirements are generally less stringent than with banks.
Whether it’s a tight timeline, unconventional income, or a property that doesn’t meet bank criteria, our team is ready to support you.