Built for professionals who refer complex files.

CRA debt payouts, self-employed add-backs, holdco/opco structures, Smith Manoeuvre and cash damming — documented the way you'd document them.

When your client needs cash, the default is selling investments — triggering tax, realizing losses, and shrinking your book. Real-estate debt, structured properly, is often the better answer — we model both options with the client and their advisor before recommending one.

You've built the right plan — and the client can't fund it because debt is eating the monthly surplus. We restructure the liability side so the savings side finally happens. You get a fundable plan; the client gets both.

We don't sell insurance — and we don't push the lender's creditor product at signing. That makes us the rare mortgage desk that sends protection conversations to independent agents, while our restructures free up the monthly cash flow that pays for proper coverage.

You keep the deposits, the accounts, and the relationship. We fund the file you couldn't — then rebuild it to bank standards and send it home. Residential or commercial, the client remembers who looked after them both times.

Half the fights in a separation are about the home — and most settle faster once someone runs the actual numbers. We tell your client early whether keeping the house is financeable, then structure the buyout with discretion and clean paper.

Whichever side you act for, the best foreclosure is the one that ends with the lender paid in full and no court sale. We arrange redemption financing quickly — equity-based, income-optional — so, where equity, timing, and a viable exit allow, the lender is repaid and the borrower avoids a forced sale.

A judgment against a homeowner is only as collectable as their liquidity. We turn real-estate equity into settlement funds, judgment payouts, and litigation runway — often converting a years-long enforcement grind into a single funded closing.

Probate fees due before the grant. One beneficiary who wants the house, three who want cash. A surviving spouse who needs income, not a For Sale sign. Every one of those is a financing problem — and financing problems are solvable.

Many insolvent homeowners aren't broke — they're illiquid. We unlock equity to fund proposals, pay out completions early, and map the route back to prime lending — for Licensed Insolvency Trustees and the insolvency advisers and administrators working alongside them.

Garnishments grind out pennies for years. A refinance pays the account in full, in weeks — the debtor clears their bureau, your client gets 100 cents on the dollar, and your recovery rate does the talking.

Every financing collapse is a commission dying in real time. Before your buyer walks or your seller relists, send us the file — alternative and private lanes can save deals the banks abandon, and we'll assess whether the financing can realistically meet your timeline.

Half your lost contracts die at 'we can't afford it right now.' Most of those clients own homes with six figures of equity. We unlock it — and when it's your own cash flow that's choked between draws, holdbacks, and unsold inventory, we fund you too. Builders sit at the centre of a machine of trades, suppliers, and buyers; one financing partner keeps the whole thing turning.

Your client wants the machine; your lender wants a bigger down payment or the exposure's maxed. Their shop, yard, home, or rentals usually hold the answer — we pull the equity, you close the equipment deal. Both books grow.