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Financeability before the LOI
Send the summary and the earnings early, no names needed. We tell you whether the price can be financed and roughly how, before a buyer falls in love with a number lenders won't support.
Mortgage Broker for Business Brokers · BC & Alberta
Most deals don't die on price. They die at financing.
A signed letter of intent is only as good as the buyer's financing. We work alongside you from the LOI: testing whether the business's earnings can carry the debt, building vendor take-backs and real-estate equity into the stack, and keeping the timeline honest — so the deal you brought together actually closes.
Seven lender Business Development Managers — MCAP, National Bank, Questbank, Equitable Bank, Home Trust, Neighbourhood Holdings, and WealthOne Bank — have recommended Ramin on the record. Read their words →
How we keep your deals closing
Complex files, handled properly.
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Stacks that close the gap
Institutional debt, a vendor take-back and the buyer's equity, assembled so the business can service them. The vendor take-back is often what turns 'almost' into a funded deal.
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When the building comes with the business
Premises in the deal turn an acquisition into a property file: an owner-occupied commercial mortgage anchors the stack and is usually its strongest, cheapest piece.
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Buyer equity from real estate
Buyers with a home or rentals can fund the down payment at mortgage rates, so the business starts life without expensive acquisition debt on its back.
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Partner and management buyouts
Internal successions and partner exits funded without draining the company both sides spent years building.
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Practice sales
Dental, medical, veterinary and other clinic sales run through our healthcare practice desk, which finances practice purchases, real estate and equipment for the buyer.
The dedicated desk for clinic clients
Healthcare Practice Financing
Dental, medical, veterinary and other clinic files run through our practice desk under its own brand — same broker, same licences — financing practice purchases, real estate, equipment and working capital for existing or future clinic owners.
Visit the practice desk ↗Relationship protection
How we protect your client relationship.
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Your client stays your client
We broker mortgages — nothing else. No investments, no insurance, no competing services. Every file comes back to you stronger.
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You stay in the loop
With client consent, you see the proposed structure before it's submitted — leverage, rate, term, and exit — at whatever level of detail you choose.
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Documentation done properly
Files built to be defensible — complete, consistent, and explainable to a lender, CRA, or a court if it ever comes to that.
Send these to your client
Free tools you can hand over today.
No signup, no lead capture, no pitch inside the math — send the link and your client arrives at your next meeting with a number instead of a worry. Every one has its arithmetic verified against Canadian rules.
EBITDA & business valuation
Adjusted EBITDA and an indicative value from the P&L, for a quick read on a listing.
Open it →Equity take-out — two paths
How much of a buyer's home equity could fund the down payment.
Open it →Rent vs own your shop
Whether the buyer should take the building too.
Open it →See all the calculators — 60+ across the practice, free to use and free to share.
Case Studies — files like this
Anonymized case studies from our desk. Names and identifying details removed.
- Case study · Commercial / HealthcareFour Credit Facilities. No Client Cash Down. One Medical Clinic.A North Shore medical clinic needed real estate, leasehold and operating financing. We arranged four coordinated credit facilities with no client cash used for the down payment, and the three loans priced under 5%.Read the file →
- Case study · CommercialStructuring a Private Commercial Mortgage to Clear ~$7M in CRA Tax DebtDone right, a structure like this clears the CRA debt for a fraction of the alternatives and buys time to refinance into lower-cost lending once the pressure lifts, on terms a CPA can approve.Read the file →
Process
What a referral looks like.
1
Intro call (15 min)
You outline the situation — no names needed. We tell you honestly whether we can add value and what the structure could look like.
2
Client conversation
We meet your client, gather documents, and keep you copied at the level of detail you choose.
3
Structure review
Before submission you see the proposed structure and can flag legal, tax, or timing implications we should route around.
4
Funding & handback
The deal funds, you receive a closing summary for your file, and the client returns to you for everything else.
Partner FAQ
Questions partners actually ask.
When should a business broker bring a mortgage broker in?+
At the letter of intent, not after the buyer's bank says no. Early, the price, the vendor take-back and the closing date can be shaped around what lenders will actually fund. Late, we are rescuing a deal with fewer options and less time.
Do you act for the buyer or the seller?+
We arrange the buyer's financing, and that serves everyone at the table: a buyer who can close, a seller who gets paid and a broker whose deal funds. Your mandate, your client relationship and your fee are untouched.
Can a vendor take-back really help get the rest of the financing?+
Often. It closes the gap between the lender's advance and the price, keeps the seller invested in a smooth handover, and tells every other lender in the stack that the person who knows the business best believes in it.
Can you go through our existing client base to find missed opportunities?+
Yes — data mining an established partner's book is one of the most productive things we do together. With client consent and your privacy obligations fully respected, we review your existing files through a financing lens: the deal declined two years ago that places today, the equity position that unlocks a next move, the renewal nobody is watching. Missed files become closed deals — for you and for us — everyone involved looks like a complete professional, and the biggest winner is the client who was told it couldn't be done.
Do you pay referral fees?+
Where regulations allow and with full disclosure to the client, referral arrangements are available — though many of our partners decline them to preserve independence. Either way works, and the client is told either way.
Can you work with clients outside BC and Alberta?+
Our licences cover BC and Alberta. Files in Ontario and other provinces run through our national access desk and underwriting partners — one point of contact, same standards.
Have a client file in mind?
Describe it in two sentences — no names needed.
We'll tell you within one business day whether it's fundable and how we'd structure it. Ask about a free workshop for your team while you're at it.
Partner With Us
Grow your book alongside BC & AB's complex-file team.
The broker other brokers send their toughest files to. Your clients are in good hands.
A compliance-first process with complete, lender-ready documentation. Whatever shape your file is in when we start, what we submit is something lenders, regulators, and referral partners can stand behind.
Partner Portal · Live Tracking
Get a dedicated portal to track every mutual client in real time — automatic updates at every stage, from application to funding. Stay in the loop without lifting a finger, and focus on what you do best.
- Realtor co-marketing
- Accountant / tax-aware structures
- Lawyer & notary referrals
- Trustee / consumer proposal exits
- Renovation & trades partners
- Local businesses we love
- Two-way client referrals
- Equipment & asset financing
Local Businesses We Support
We actively send clients to local businesses we trust: restaurants, meal-prep, renovation crews, retail. If you run a local business and want to be part of our referral circle, we'd love to chat.
Partnership inquiry
Tell us about your practice. We'll respond within one business day.