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Shareholder and partner buyouts
The staying owner finances the departing owner's share through the company's cash flow, real-estate equity or both, so a dispute ends with a payment rather than a forced sale.
Mortgage Broker for Business Valuators · BC & Alberta
Your valuation sets the number. We help someone pay it.
Most valuations end in a cheque: a shareholder bought out, a spouse equalized, an estate settled, a business sold. When the person writing it doesn't have the cash, the matter stalls. We arrange the financing that turns your number into a completed transaction — without ever touching the number itself.
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 the financing comes in
Complex files, handled properly.
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Separation and equalization
When a business is the largest asset in a separation, the equalization payment usually comes from real estate. We fund it so the business doesn't have to be sold or split.
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Estates holding a private company
One beneficiary wants the business, the others want cash: buyout financing that equalizes the estate without a fire sale.
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Acquisitions
Your conclusion and the buyer's financing have to meet somewhere. We size the debt to what the business actually earns, with a vendor take-back where it helps.
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Real estate inside the company
Where the company owns its premises, the property can carry financing on its own terms — often the strongest lever in a buyout.
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Your independence, protected
We never ask for a number to suit a loan. Your report stays yours; we work with whatever it concludes and tell the client what that figure can and can't finance.
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
A quick adjusted-EBITDA view a client can run before the formal engagement.
Open it →Equity take-out — two paths
Whether home or rental equity can fund a buyout or an equalization payment.
Open it →Spousal buyout — who gets what
For separation files: the split, the cheque and the mortgage the staying spouse carries.
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 · ResidentialBuying a Home During a Complex Separation While Still on a Joint MortgageThe bank granted the change two business days before funding. The client completed on time, a sizable deposit never at risk, at prime pricing rather than the fallback, saving more than $20,000. The client later referred someone else going through a separation.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.
Will you ever lean on our valuation conclusion?+
Never. A valuator's independence is the reason the number is worth anything, and a loan built on a pressured number is a problem for everyone. We finance around your conclusion; if it doesn't support the deal the client wants, we tell the client, not you.
Do lenders rely on a business valuation?+
It supports the file, but lenders mostly lend against what the business earns and what secures the loan. A credible valuation helps justify the price and the goodwill inside it; the debt itself is sized to the cash flow that services it and the property or assets behind it.
When in a matter should we involve you?+
Once the likely range of the number is known. If the person paying will need financing, an early read tells everyone whether the buyout or settlement is fundable, which keeps negotiations grounded in what can actually close.
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.