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Over policy, not over risk
Leverage, coverage or property type outside your policy: credit unions, alternative and private commercial lenders with a different box, and an exit plan back to bank terms.
Mortgage Broker for Commercial Bankers · BC & Alberta
Outside your credit box isn't outside our reach.
Policy limits, a covenant breach, a property type your bank won't touch, or a deal that has to close faster than credit can turn it: good commercial clients land outside the box all the time. We place those files with credit unions, alternative and private lenders, leave the operating accounts with you, and map the route back to your book.
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 →
What a commercial-only channel can't reach
Commercial and residential, in one place.
A commercial lender can lend only against the business and its commercial property. We arrange commercial and residential mortgages under one roof, so when a file needs it we can also use the owners' residential real estate: the home with equity in it, a rental, a second property. Brought in beside your loans, that is often the one missing piece, and it can decide whether the client stays with you.
- Bring the commercial loan back inside your box, so the client can stay with you
- Or restructure the property and move it to another prime institutional lender, cleanly
- Built with the client's CFO or accountant, so it works on the financial and tax side
Unlocking and restructuring capital is what we do best, and keeping your client is part of the plan.
The files we take off your desk
Complex files, handled properly.
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Bridge to stabilization
Private bridge on a property mid-lease-up or mid-renovation, then a refinance to institutional terms once the trailing numbers support it — one of the most common files we run.
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Multi-family and MLI Select
Insured multi-family financing through CMHC's MLI Select program for clients building or buying rental, packaged and run through CMHC with the client.
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Construction outside your appetite
Construction and land files placed with draw lenders who advance on inspection, while you keep the operating relationship.
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Workout exits without enforcement
Special-loans and covenant-breach files refinanced out, so your bank exits whole without enforcement optics and the operating accounts stay put.
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Your client, your accounts
We hold no deposits and want none. Operating accounts, cards and cash management stay with you, and the file comes home when it fits your box again.
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.
CMHC MLI Select — points & max loan
Score a 5+ unit project on CMHC's point system and see the insured loan it supports.
Open it →Cap rate, NOI & cash-on-cash
Cap rate, NOI and DSCR straight from the rent roll.
Open it →Commercial closing costs
Cash to close including GST, environmental and legal.
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.
Which commercial files are worth sending?+
Anything credit won't approve as structured: over-policy leverage, thin coverage on a stabilizing property, single-purpose or rural assets, construction outside your appetite, or a timeline credit can't meet. Send the summary; we'll tell you quickly whether there's a home for it.
One of my files failed its annual review and moved to special accounts. Can you take it out?+
Often, yes, and it can be a clean exit for everyone. Once a file sits in special accounts, the bank usually wants out, and many conventional lenders won't take it on. Alternative and private lenders look at the real estate, the equity and the plan rather than the last review. We arrange a refinance that pays your bank out, so its loans and general security agreement (GSA) can be discharged without enforcement, and we map the client's route back to institutional terms, which can mean back to you once the business is stable. The earlier it is flagged, before a demand, the more options there are.
Can the owners' residential property help keep a file with us?+
Often. A commercial lender can lend only against the business and its commercial property; we can also arrange residential mortgages on the owners' home, a rental or a second property, in the same plan. The equity released there can bring the commercial loan back inside your policy, so the client stays with you. Where the file does have to move, it can be what lets the property go to another prime institutional lender rather than a private one. The client's CFO or accountant checks the financial and tax side before anything is signed.
Will you take the whole relationship?+
No. We arrange financing, not banking. Deposits, operating lines and cash management stay with you, and what we place is structured with a route back to institutional terms where the property supports it.
Can you fund a shortfall behind our first mortgage?+
Sometimes. A second-position loan from a private lender can cover a gap without refinancing your first, where your loan agreement and consent allow it. When they don't, we look at the client's other real estate instead.
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.