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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.
Mortgage Broker for Equipment Financing · BC & Alberta
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.
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 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.
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.
Rent vs own your shop
Whether the client should own the building the equipment sits in.
Open it →Cap rate, NOI & cash-on-cash
The property side of the deal, straight from the rent roll.
Open it →EBITDA & business valuation
What the operating company is worth when real estate joins the conversation.
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 · 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.
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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.
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.