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Restructuring the debt behind the plan
Short-term, high-cost borrowing refinanced into longer terms secured by real estate where the property allows, so monthly debt service drops and the plan has room to breathe.
Mortgage Broker for Business Coaches · BC & Alberta
You build the plan. We fund the parts the bank declined.
A coach hears it first: the bank said no, the line is maxed, a partner wants out, the lease renewal is eating the margin. Most of those are financing problems with a real-estate answer, the owner's shop, home or rentals carrying the capital the plan needs. We work alongside you: you keep the owner accountable to the plan, we take the plan to the lenders that fit it, and the owner hears one message instead of two.
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 →
Where we fit the plans you build
Complex files, handled properly.
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Growth capital the bank won't advance
When every lender says the business is at its limit, we measure how much room is really left across the commercial property and the owners' home or rentals, and structure the injection against it.
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Buying the premises instead of renting
An owner-occupied commercial mortgage turns the rent line into equity. We run the rent-versus-own numbers with you before the next lease renewal, not after.
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Partner buyouts and successions
The staying owner finances the departing one through the company's cash flow, real-estate equity or both, so a partnership ends with a cheque rather than a fire sale.
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The owner's personal side
The owner's own mortgage, renewal and consolidation, qualified on how the business actually pays them, so personal cash flow stops undermining the business plan.
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Owners who need a coach
Our business files are full of owners running on instinct with no plan behind the numbers. When one needs what you do, we say so and make the introduction.
When to send us the client
The signals worth a fifteen-minute call.
- The bank declined growth capital or renewed on worse terms
- The owner carries short-term or high-cost debt that eats the margin
- The plan calls for buying the premises, a competitor or a partner's share
- A partner wants out, or a succession is being planned
- The owner's personal mortgage or debt is undermining the business plan
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.
What comes back to you: Owners who need a plan and someone to hold them to it. Our commercial files are full of them, and when one needs a coach we make the introduction.
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.
Blended interest rate
What the owner's scattered debt actually costs, and what consolidating it would save.
Open it →Rent vs own your shop
The escalating-rent comparison, with the crossover year, before the next lease renewal.
Open it →Equity take-out — two paths
How much growth capital the owner's home or rentals could carry.
Open it →EBITDA & business valuation
What the business is worth today, for buyouts and succession plans.
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 →
- Case study · Commercial / Alternative-to-ABanks Declined. Private Lenders Charged 10%+. We Cut His Rate in Half.Cut the borrower's interest rate in half, moved from double-digit private mortgage costs to an alternative commercial mortgage, paid down principal, improved his credit and cash flow, and positioned him for a prime-lender refinance within two years — one broker, one custom plan, from private exit to prime placement.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 coach bring in a mortgage broker?+
The moment a plan depends on money the business doesn't have yet: an expansion, a buyout, a premises purchase or a debt load eating the margin. An early read, no names needed, tells you whether the capital exists in the owner's real estate before the plan assumes it.
My client's business is small. Is it too small for you?+
Usually not, if the owner owns real estate. Many of our owner files are funded on the home, a rental or a small commercial unit rather than on the company's statements, which is exactly what makes a small or young business fundable. Clinic owners go to our practice desk.
Will you sell my client coaching, consulting or anything else?+
No. We arrange mortgages and nothing else. Your relationship with the owner stays yours, you see the structure before anything is signed, and the file comes back to you.
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. Ontario files are placed through DLC AIMI Collective Mortgage Group, licensed in Ontario, by our in-house underwriter; files in other provinces go through the Dominion Lending Centres national desk — 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.