Commercial Lending
Commercial real estate financing operates by different rules than residential lending. Learn how DSCR, NOI, and property income drive underwriting decisions, and how to access programs like CMHC MLI for apartment buildings and mixed-use properties.
38 articles — Commercial Financing
Office Building Financing Guide for Canadian Investors
Complete guide to financing office building investments in Canada, including tenant analysis, NNN leases, and lender requirements.
Retail Property Financing Guide for Canadian Investors
Complete guide to financing retail property investments in Canada, including anchor tenants, CAM charges, and lender criteria.
Guía de Financiación de Edificios de Oficinas para Inversionistas Canadienses
Guía completa para financiar inversiones en edificios de oficinas en Canadá, incluyendo análisis de inquilinos, arrendamientos NNN y requisitos de prestamistas.
Guía de Financiación de Propiedades Comerciales Minoristas para Inversores Canadienses
Guía completa para financiar inversiones en propiedades comerciales minoristas en Canadá, incluyendo inquilinos ancla, cargos CAM y criterios de prestamistas.
Guide de Financement d'Immeubles de Bureaux pour Investisseurs Canadiens
Guide complet sur le financement d'investissements dans des immeubles de bureaux au Canada, incluant l'analyse des locataires, les baux triple net (NNN) et ...
Guide de Financement Immobilier Commercial Canadien pour Investisseurs Immobiliers
Guide complet sur le financement de biens immobiliers commerciaux au Canada, incluant les locataires principaux, les frais d'entretien des aires communes (C...
Best Commercial Mortgage Lenders in Canada
Compare the best commercial mortgage lenders in Canada. Big banks, credit unions, CMHC-approved lenders, private lenders.
CMHC vs Conventional Commercial Mortgage Guide
Compare CMHC-insured and conventional commercial mortgages in Canada. Rates, down payments, amortization, timelines, and which option saves you the most money.
Commercial Mortgage Down Payment: How Much?
Down payment requirements for commercial mortgages in Canada by property type. CMHC programs with 5% down, conventional options. Learn about [commercial vs residential mortgage differences](/blog/commercial-vs-residential-mortgage-differences).
First-Time Commercial Property Buyer's Guide
A step-by-step guide for first-time commercial property buyers in Canada. How to prepare, what lenders look for including [net operating income for loan approval](/blog/net-operating-income-client-loan-approval-guide), and common mistakes to avoid.
Commercial Mortgage Rates Canada: Complete Guide
Current commercial mortgage rates in Canada explained. CMHC-insured vs conventional rates, what affects your rate.
Commercial vs Residential Mortgage Differences
The critical differences between commercial and residential mortgages in Canada. Qualification, rates, terms, and when to switch from residential to commercial lending.
How to Qualify for a Commercial Mortgage Canada
Everything you need to qualify for a commercial mortgage in Canada. DSCR requirements, down payments, documentation.
How to Refinance Commercial Property in Canada
When and how to refinance commercial property in Canada. Cash-out refinancing, switching to CMHC, rate renegotiation, prepayment penalties, documentation.
Cómo calificar para una hipoteca comercial en Canadá
Todo lo que necesita para calificar para una hipoteca comercial en Canadá. Requisitos de DSCR, pagos iniciales, documentación.
Cómo Refinanciar una Propiedad Comercial en Canadá
Cuándo y cómo refinanciar una propiedad comercial en Canadá. Refinanciamiento con retiro de efectivo, cambio a CMHC, renegociación de tasas, penalizaciones ...
Comment se qualifier pour un prêt hypothécaire commercial au Canada
Tout ce dont vous avez besoin pour vous qualifier pour un prêt hypothécaire commercial au Canada. Exigences de DSCR, acomptes, documentation.
Comment refinancer une propriété commerciale au Canada
Quand et comment refinancer une propriété commerciale au Canada. Refinancement avec retrait d'équité, passage à la SCHL, renégociation de taux, pénalités de...
Accounts Receivable Factoring: Get Paid Now, Not in 60 Days
Turn unpaid invoices into same-day cash with accounts receivable factoring. Learn when factoring beats bank loans for contractors and real estate investors.
Buying Commercial Real Estate: A Starter Guide
Transition from residential to commercial real estate investing. Learn about valuation, financing, property types, and building your commercial team. Understand the key [differences between commercial vs residential mortgages](/blog/commercial-vs-residential-mortgage-differences).
The Investor's Commercial Financing Options Companion
Complete guide to commercial real estate financing options. Learn about term loans, bridge financing, DSCR requirements.
Office Building Investment: A Beginner's Guide
Introduction to investing in office buildings. Covers lease types, tenant evaluation, financing, and how office differs from residential real estate investing.
Retail Property Investment: A Beginner's Guide
Introduction to investing in retail properties. Covers lease types, tenant evaluation, location analysis, and how retail differs from residential investing.
Zero Down Commercial Property Financing Canada
Learn how Canadian business owners can finance commercial property with zero down payment using owner-occupied NOI-based lending programs.
Inversión en Edificios de Oficinas: Una Guía para Principiantes
Introducción a la inversión en edificios de oficinas. Cubre tipos de arrendamiento, evaluación de inquilinos, financiación y cómo las oficinas difieren de l...
Inversión en Propiedades Comerciales: Una Guía para Principiantes
Introducción a la inversión en propiedades comerciales. Cubre tipos de arrendamiento, evaluación de inquilinos, análisis de ubicación y cómo la inversión co...
Financiación de Propiedades Comerciales con Pago Inicial Cero en Canadá
Descubra cómo los propietarios de negocios canadienses pueden financiar propiedades comerciales sin pago inicial utilizando programas de préstamos basados e...
Investir dans des immeubles de bureaux : Guide pour débutants
Introduction à l'investissement dans les immeubles de bureaux. Couvre les types de baux, l'évaluation des locataires, le financement et comment les immeuble...
Investissement dans l'immobilier commercial : Guide pour débutants
Introduction à l'investissement dans les propriétés commerciales. Couvre les types de baux, l'évaluation des locataires, l'analyse de localisation et les di...
Financement de Propriétés Commerciales Sans Acompte au Canada
Apprenez comment les propriétaires d'entreprises canadiens peuvent financer une propriété commerciale sans mise de fonds grâce aux programmes de prêt basés ...
Net Operating Income: Get Your Clients Approved Fast
Learn how net operating income calculations help qualify your clients for bigger loans and avoid wasted time on deals that won't work. Real broker insights.
Ingresos Operativos Netos: Obtenga la Aprobación de Sus Clientes Rápidamente
Aprenda cómo los cálculos de ingresos operativos netos ayudan a calificar a sus clientes para préstamos más grandes y a evitar perder tiempo en tratos que n...
Revenu d'exploitation net : obtenez l'approbation de vos clients rapidement
Apprenez comment les calculs de revenu d'exploitation net aident à qualifier vos clients pour des prêts plus importants et à éviter de perdre du temps sur d...
Commercial Mortgage Canada: How Debt Service Ratio Works
Learn how commercial mortgages use property cash flow instead of personal debt ratios. Discover CMHC MLI Select financing for multi-family buildings in Canada.
Why a Mortgage Broker Beats Your Bank for Commercial Loans
Real estate investors lose millions going direct to banks. Learn how commercial mortgage brokers unlock better LTV, rates.
Por qué un broker hipotecario es mejor que tu banco para préstamos comerciales
Los inversores inmobiliarios pierden millones al acudir directamente a los bancos. Aprende cómo los brokers hipotecarios comerciales desbloquean mejor LTV y...
Pourquoi un courtier hypothécaire est préférable à votre banque pour les prêts commerciaux
Les investisseurs immobiliers perdent des millions en s'adressant directement aux banques. Apprenez comment les courtiers hypothécaires commerciaux permette...
100% Financing: Owner-Occupied Commercial Canada
Discover how Canadian business owners can purchase commercial buildings with zero down payment using NOI-based lending.
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