Proudly part of the Dominion Lending Centres Group of Companies — Canada's #1 mortgage originator · $84.5B funded in 2025, more new mortgages than any bank, credit union or trust company.Part of the DLCG · Canada's #1 originator of new mortgages · $84.5B funded in 2025.DLCG · #1 for new mortgages · $84.5B in 2025A fractional CFO usually sees the financing problem first: the expensive debt eating cash flow, the first and second mortgages that should be one, the lease that should be a mortgage, the acquisition the bank won't stretch for. We work as one team with you. You build the model and the story; we take it to the lenders it fits; and your client hears one coordinated plan instead of advisors pulling in different directions.
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 →
Most fractional CFOs work with commercial-only bankers, and a commercial-only banker can lend only against the business and its commercial property. We arrange commercial and residential mortgages under one roof, so when the file needs it we can also use the owners' residential real estate: the home with equity in it, a rental, a second property. That is often the one missing piece, and it can decide how the restructuring ends.
Unlocking and restructuring capital is what we do best, in partnership with you.
Short-term, high-cost borrowing refinanced into longer terms secured by real estate where the property allows, and the whole debt picture rebuilt around your forecast, so monthly debt service drops and the runway lengthens.
A first and a second on the same building, several properties with different lenders and renewal dates, a private loan that was meant to be temporary: where the values and the cash flow support it, we combine them into fewer, cheaper positions, so the company carries one payment and one renewal date instead of several.
You own the forecast, the reporting and the conversation with the owners; we own lender selection, term sheets and closing, and turn your model into the file lenders underwrite — coverage, security and a clear exit. You review the structure before anything is signed.
When rent is paying down someone else's building, an owner-occupied commercial mortgage can turn a similar monthly outlay into equity. We model it against your forecast before anyone commits.
Share or asset purchases, partner buyouts and management buyouts, structured with vendor take-backs and real-estate equity so the business's own earnings carry the debt.
When the lender's annual review goes badly and the file lands in special accounts, other lenders tend to step back. Alternative and private lenders look at the real estate and the plan instead, refinance the bank out so its loans and general security agreement can be discharged, and the route back to bank pricing is written in from day one.
Dental, medical, veterinary and other clinic files run through our practice desk under its own brand — same broker, same licences — financing practice purchases, real estate, equipment and working capital for existing or future clinic owners.
Visit the practice desk ↗We broker mortgages — nothing else. No investments, no insurance, no competing services. Every file comes back to you stronger.
With client consent, you see the proposed structure before it's submitted — leverage, rate, term, and exit — at whatever level of detail you choose.
Files built to be defensible — complete, consistent, and explainable to a lender, CRA, or a court if it ever comes to that.
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.
What a first and a second, or several loans together, actually cost — and what combining them would save.
Open it →The escalating-rent comparison, with the crossover year, before the owners decide to buy their premises.
Open it →Adjusted EBITDA and an indicative value from the P&L — the starting point of any acquisition file.
Open it →Debt service at any rate and amortization, for the forecast.
Open it →See all the calculators — 60+ across the practice, free to use and free to share.
Anonymized case studies from our desk. Names and identifying details removed.
You outline the situation — no names needed. We tell you honestly whether we can add value and what the structure could look like.
We meet your client, gather documents, and keep you copied at the level of detail you choose.
Before submission you see the proposed structure and can flag legal, tax, or timing implications we should route around.
The deal funds, you receive a closing summary for your file, and the client returns to you for everything else.
Often, where the property's value and the business's cash flow support the combined amount. Refinancing both positions into one new first mortgage usually lowers the blended rate and leaves one payment, one lender and one renewal date. Where one loan can't carry it all, we restructure the second on better terms or secure it against other real estate the owners hold.
That is exactly the file to call us about, and the earlier the better. Once a file sits in special accounts, the bank is usually looking for a way out, and many conventional lenders read that as a reason to stay away. Alternative and private lenders look at the real estate, the equity and the plan rather than the last review. We arrange the refinance that pays the bank out, so its loans and the general security agreement (GSA) behind them can be discharged, give the business room to stabilize, and map the way back to bank pricing. Before a demand letter arrives, more options are open.
The residential side. A commercial-only banker can lend against the business and its commercial property; we can also use the owners' residential properties and residential mortgages when the file needs it, a home with equity, a rental or a second property, all arranged in one place. That is often the missing piece. It can be what lets a property be restructured and taken to another prime institutional lender, or kept with the current one on terms the business can carry. We build it with you, so the structure also works on the financial and tax side.
Simply: you own the numbers and the strategy; we own the lending market. You prepare or approve the financials and the forecast, we choose the lenders, negotiate the terms and run the file to closing, and you review the structure before anything is signed. The owners see one coordinated plan, not two competing ones.
Usually. Send the renewal terms and the current financials, with the client's consent. We test them against credit unions, alternative and private lenders and tell you plainly whether to sign, negotiate or move, and what each option costs the company over the term.
No, but real estate is our strongest tool. Owner-occupied and investment property, construction and the owners' own home or rental equity carry most of our business files, and business acquisitions are financed on the target's earnings as well. Clinic files go to our healthcare practice desk. Equipment leasing is a separate specialty that our equipment-finance partners handle alongside us.
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.
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.
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.
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.
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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.
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