Businesses Served Accross Canada.
“Professional, accountable, trustworthy”
Government Loan
政府担保贷款
Canada Small Business Financing Program
政府担保小生意贷款 (CSBFP)
Funding up to $1,150,000
CSBFP is a government program to help existing businesses or start-ups acquire the necessary financing to purchase equipment, leaseholds improvements, intangible assets, working capital costs, and property.
Funding
- The maximum loan amount for a borrower is $1.15 million.
- Up to a maximum of $1,000,000 for term loans for any one borrower, of which no more than $500,000 can be used for purchasing leasehold improvements and purchasing or improving new or used equipment and of that amount, a maximum of $150,000 could be used for intangible assets and working capital costs.
- Up to a maximum of $150,000 for lines of credit.
最多可借50万-115万
75%贷款金额为政府担保，如无法偿还银行会向政府索赔
贷款可用于装修，买设备，前期投入资金 (如加盟费，律师费，培训费，开店前最多3个月租金等）
What businesses are eligible to apply under the CSBFP?
- Restaurant
- Convenience Store
- Clinic
- Salon & Spa
- Dry Cleaner
- Law Firm
- Accounting
- Insurance
- Real Estate
- Property Management
- Consulting
- Design
- Marketing
- Tourism/Travel
- Import
- E-Commerce
- Software
- Inspection
- Immigration
- Music School
- Dancing School
- Commercial School
- Day Care
- Pet Service
- Club
- Car Repair
- Car Dealer
- Trucking
- Logistics
- HVAC Contactor
- Security
- Equipment
- Renovation
- Construction
- Printing
- Cabinet
- Flooring
- Stone
Canadian Agriculture Loan Act
政府担保农业贷款 (CALA）
Funding up to $500,000
The Canadian Agricultural Loans Act (CALA) Program is a loan guarantee program designed to increase the availability of loans to farmers and agricultural co-operatives.
Funding
- Under this farm financing program, the federal government guarantees, to the lender, repayment of 95% of a net loss on an eligible loan issued.
- The maximum aggregate loan limit for any one farm operation is $500,000.
- The maximum aggregate loan limit for agricultural co-operatives is $3 million, with approval from the Minister of Agriculture and Agri-Food.
- Loans are limited to a maximum of:
- $500,000 for the purchase of land and the construction or improvement of buildings
- $350,000 for all other loan purposes, including consolidation/refinancing
个体农民可获得最高80%资产价值融资 (新农民最高可获得90%融资)
对于不动产，最高贷款额为50万; 对于其他符合条件的资产，最高贷款额为35万
利率低至prime+1%
What businesses are eligible to apply under the CALA?
- Farm Land
- Machinery
- Crop Storage
- Crops/Livestock
- Farm Business
- Food Processing
- Food Transportation
Business Loan
生意贷款
Small Business Loan
Get up to $350K to boost your business.
Strategic capital for business growth initiatives:
- Business acquisition loans
- Equipment and technology upgrades
- Working capital solutions
- Inventory and supply chain funding
- Franchise expansion financing
Working Capital Loan
Get up to $2M to working capital.
- Buy Inventory
- Develop New Products
- Enhance Energy Efficiency
- Launch a New Marketing Campaign
- Pay Suppliers
- Hire or Train Employees
- Get Industry-Specific Certifications
- Expand into New Markets
Credit Line for
Business
A Credit Line for Business can help with short-term cash-flow needs and unexpected expenses, to help manage day-to-day expenses and grow your business.
Small business lines of credit are ideal for:
- Purchasing New Inventory
- Opening a New Location
- Upgrading or Replacing Equipment and Technology
- Bolstering your Small Business’s Marketing
- Filling in Cash Flow Gaps During Slow Seasons or Between Projects
- Unexpected Costs
- Debt Consolidation
Equipment Financing & Leasing
Up to 100% financing to free up cash flow.
Modernize your equipment assets while improving your cash flow with customized solutions for your equipment financing needs.
- Tractors and Trailers
- Vocational Trucks
- Construction Equipment
- Material Handling
- Technology
- Office Equipment
- Aircraft
- Manufacturing
- Light Industrial
- Forestry
- Healthcare
Commercial Financing
商业贷款
Construction, Land, Multi-residential, Retail, Industrial, Hotels. We do it all. Loans from $1M to $20M.
Commercial Property
We arrange commercial financing for a wide variety of commercial retail properties including retail stores, shopping centers and strip malls.
- Retail Store
- Mixed Use
- Office Building
- Medical Building
- Shopping Mall
- Retirement Home
- Student Residence
- Gas Station
- Golf Course
- Hotel
Industrial Property
We arrange commercial financing for a wide variety of commercial industrial properties including warehouses, factories, manufacturing and storage.
Industrial real estate is usually classified based on the tenant base of the property as follows:
- Multi-Tenant
- Single Tenant
- Single Tenant (Owner-Occupied)
- Specialized Assets
Industrial Property Types
- Factory
- Warehouse
- Manufacturing
- Storage
- Distribution
Construction and Development
A construction loan can help you buy commercial land or buildings, cover construction costs, and expand or renovate your existing premises.
Land Acquisition & Development
- Raw land purchase financing
- Site preparation and infrastructure
- Zoning and permit processes
- Environmental compliance support
Commercial Construction
- Ground-up construction projects
- Multi-family developments
- Retail and office properties
- Industrial facilities
- Mixed-use developments
Property Enhancement
- Major renovations
- Building expansions
- Modernization projects
- Infrastructure upgrades
CMHC Financing
- Standard Rental
- Greater financing choices to borrowers with standard rental housing accommodations for multi-unit properties with a loan advanced up to 75% of costs or lending value during construction.
- Affordable Rental Housing
- This program encourages construction, preservation, and improvement. Offers flexibility with higher loan to value ratios, lower debt coverage ratios, and reduced premiums. This program may be advanced up to 95% during construction, and up to 85% for an existing property.
- Retirement and Supportive Housing
- This program offers greater financing options for seniors or tenants and offers loan to value up to 75% of ‘as improved’ value, or 85% of ‘as is’ value.
- Student Housing
- Purpose built student houses on and off-campuses. Up to 85% lending value for construction financing, up to 85% purchase price, and up to 85% lending value for refinancing.
Loan Size: $1-20 Million Loan to Value/Loan to Cost: Up to 85% Asset Types: Multi-Family or Mixed-Use (up to 30% commercial) Prepayment Flexibility: Flexible and Structured for each deal
Residential Financing
住房贷款
A fast approach to residential financing.
A lender Utilizing a mortgage broker allows clients to compare rates and products from various lenders and potentially secure personalized guidance.
B lender offer mortgage financing to individuals who may not meet the stricter requirements of traditional banks or credit unions.
Why choose B lender ?
- Low credit score 信用分低
- Insufficientincome 收入不够
- Cash income 现金收入
- Insufficient application materials 申请材料不足
- Application rejected by A bank A类银行申请被拒
- Approval amount too low by A bank A类银行批准金额过低
- Low approval requirements 审批要求低
- High loan amount 贷款额度高
Type of residential financing:
Newcomer to Canada Program for Self-Employer High Net Worth Program Reverse Mortgage Home Equity Line of Credit (HELOC)
Private Lending
私人贷款
Lowest and affordable Private Lender Rates possible. Loan amount up to $20M.
Warehouse
Mixed Use
Multi-units
Retail
Office
New Business Purchase
Residential
- Refinances/ Equity Take Out
- Investment Opportunities
- Power of Sales
- Debt Consolidation
- Recover from Bankruptcy
- Arrears & Collections
- Pay Off Credit Card Debt
- Use it as a Bridge Loan
- Support your Business Needs
Loan Amounts:
$100,000 to $20,000,000
Assets:
Real Property including anchored and unanchored retail, office, multi-family, bare land and industrial properties.
Loan to Value:
Up to 75%
Interest Rates:
Starting at Prime plus 2% on first mortgages; facilities are generally interest only due to the short term nature of the financing.
Term:
Typically 12 month loan terms with borrower option for an additional 12 month extension term (can offer extended terms for properties with adequate cash flow).
Lending Areas:
Primary and Secondary urban markets in Ontario, British Columbia and Alberta.
Our Projects
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