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Equity for equipment down payments
Take-outs against the client's real estate that fund the down payment your approval needs — closing deals that stall at the deposit line.
Referral Partners
The money for more iron is sitting in their real estate.
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.
How we unlock your deals
Complex files, handled properly.
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Shop & yard refinance
Owner-occupied industrial refinanced to free working capital — including oilfield shops and yards in markets where banks pull back.
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Buy the premises, free the cash flow
Owner-occupied purchases that convert rent into equity — and often unlock more equipment credit by strengthening the balance sheet.
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Resource-economy friendly
Ramin's from the oilpatch — Grande Prairie hours, not Vancouver assumptions. Heavy-industry files get underwritten with lenders who understand the cycle.
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Working-capital seconds
Private seconds behind existing firsts that inject capital fast — bridging seasonal gaps, contract mobilizations, and fleet expansions.
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Two-way deal flow
Our commercial and construction clients constantly need equipment lines. Strong equipment-finance partners are exactly where we send them.
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.
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 you loop us in?+
The moment an approval comes back short — down payment gap, maxed exposure, or an 'asset-rich, cash-poor' client. If they own real estate, there's usually a structure that gets your deal to yes within days, not months.
Do we overlap at all?+
No — clean lanes. We don't finance equipment; you don't broker mortgages. That's what makes the referral relationship work in both directions without anyone watching their back.
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.
Six lender Business Development Managers — MCAP, Canadian Western Bank, Community Trust, Equitable Bank, Home Trust, and Neighbourhood Holdings — have recommended Ramin on the record. Read their words →
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.