Getting the right financing is essential for business success in the Greater Toronto Area’s (GTA) competitive commercial real estate market. With flexible, equity-based financing options catered to the potential of your property, EquityRich provides specialized commercial mortgage solutions. With a strong emphasis on the GTA, we are your committed private and alternative mortgage lender, working to unlock the funds you require to grow, invest, or stabilize your business endeavours across Canada.
Office buildings, retail establishments, industrial warehouses, and multi-unit residential buildings (five or more units) are examples of non-residential real estate that can serve as collateral for a commercial mortgage. For companies wishing to refinance their current debt, buy new real estate, or obtain funds for operations and strategic investments, these tools are essential.
In contrast to conventional bank loans, our commercial mortgage procedure prioritizes the equity of your property over individual financial indicators like income or credit score. This strategy increases the accessibility and adaptability of our solutions for a larger group of Canadian companies and investors.
Access large sums of money to expand operations, make significant renovations or buy valuable properties. In a market that is changing quickly, like the GTA, where commercial real estate investment is strong, this is essential.
We give your business property’s equity top priority and provide a high loan-to-value (LTV) ratio: typically between 70 and 75 percent. This helps people with non-traditional incomes or those who work for themselves by reducing the need for substantial personal financial disclosure.
Even though private lending has changed, we still work to provide favourable commercial mortgage terms and interest rates that fit the cash flow of your company. For added flexibility, we also provide first and second mortgage positions.
To consolidate debt, increase liquidity, and better manage cash flow with predictable payments, turn property equity into easily accessible capital.
Personal characteristics like income and credit scores are greatly downplayed in our equity-based model. For companies with substantial assets but possibly subpar credit, this increases access to funding.
The process starts with a thorough consultation during which our knowledgeable commercial mortgage broker or agent learns about your unique financing requirements and property specifics. Your application will require little personal financial documentation and will primarily focus on the equity in your property.
Our staff performs a comprehensive appraisal after receiving your application to ascertain the available equity and current market value of your commercial property. Since our lending decisions are based on the property’s intrinsic value within the GTA, this step is essential for determining the possible loan amount.
EquityRich will create a customized commercial mortgage offer based on the property assessment and your particular needs.
In addition to options for first and second mortgage positions and competitive commercial mortgage rates in Canada, this offer will include information on the loan amount, interest rates, repayment terms, and any other pertinent conditions.
The legal and due diligence process starts as soon as you accept. To make sure the mortgage is correctly registered against the property, legal counsel examines all supporting documentation. Our team minimizes delays by working efficiently to finish this stage.
The money is released after all requirements are satisfied and legal paperwork is completed, enabling you to move forward with your business plans. Throughout the duration of your commercial mortgage, EquityRich offers continuous support and direction, guaranteeing a solid and long-lasting collaboration.
In the Greater Toronto Area, EquityRich is a prominent private and alternative commercial mortgage lender. Equity-based lending is one of our specialties. In Ontario, private lenders are becoming more and more important, and because we prioritize the value of your property, we can provide solutions that traditional banks might not be able to. We provide both first and second mortgage positions and go as high as 70-75% loan-to-value.
Most importantly, we remove typical obstacles: there is no minimum age requirement, no minimum credit score, and no income requirement. Regardless of your individual financial background, this inclusive approach guarantees that your business potential is acknowledged. EquityRich is your strategic partner for a commercial mortgage that is suited to the actual value of your assets, whether you’re growing your retail presence or investing in Toronto’s industrial sector.
Contact us today to unlock your property’s full potential with a tailored commercial mortgage solution.
Discover how our equity-based lending can provide the capital you need.
EquityRich.ca is a Canadian entity, operating as a referral institution. Mortgage Agents and Brokers represent Everything Mortgages (FSRA #12755)
Copyright © 2025 Equity Rich.
