209 - 3852 Finch Ave E, Toronto, ON M1T 3T9
Brokerage #13763
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Brokerage #13763
lendsimpl arranges commercial mortgages for retail, industrial, multi-family, and mixed-use properties across Ontario. Institutional and private financing from $500K to $50M+.
Illustrative only. Cap rate valuation and DSCR estimates assume 5.50% rate, 25yr am.
Private Mortgage CalculatorA commercial mortgage finances the purchase, refinance, or construction of income-producing real estate — retail, industrial, multi-family apartments, offices, and special-purpose assets.
Unlike residential mortgages which focus on your personal income and credit score, commercial mortgages are primarily evaluated on the property's Net Operating Income (NOI), Debt Service Coverage Ratio (DSCR), and Loan-to-Value ratio (LTV).
Estimate your NOI, property value, and debt service before you speak to anyone.
Illustrative only. Cap rate valuation and DSCR estimates assume 5.50% rate, 25yr am.
Private Mortgage CalculatorStandard P&I amortization. Commercial terms vary by lender.
Institutional and private financing for every major commercial property category in Ontario.
Strip plazas, storefronts, and mixed residential-commercial buildings. Financing based on tenancy and NOI.
Manufacturing, distribution, and flex-industrial facilities. Strong demand from Ontario logistics growth.
Apartment buildings and multiplex properties. CMHC-insured options available at lower rates and up to 70% LTV.
Acquisition, servicing, and construction financing for residential and commercial development projects.
Single and multi-tenant office properties across Ontario. Evaluated on occupancy rate and lease terms.
Hotels, care homes, self-storage, gas stations, and unique asset classes — private and institutional options.
lendsimpl manages every step. Here is exactly what happens after you reach out.
We review your property, financials, and loan request. Within 24 hours we map your deal to 3–5 suitable institutional or private lenders.
We compile a professional deal summary, property financials, and rent rolls for lender submission. Professional packaging increases approval rates.
We submit to multiple lenders simultaneously and compare competing term sheets — rate, LTV, amortization, prepayment options.
Lender orders appraisal, environmental, and legal review. We manage every third party and keep your timeline on track.
Your lawyer handles registration and fund flow. lendsimpl remains your point of contact post-close for renewals and future financing.
Commercial mortgage approvals are primarily driven by property income and value — not personal income alone. lendsimpl identifies lenders matched to your exact situation.
The property must generate positive cash flow after operating expenses. Lenders use NOI to calculate DSCR and determine loan eligibility.
Most institutional lenders require that property NOI covers debt service payments by at least 120%. Private lenders may accept lower DSCR.
Commercial properties typically require 25–35% equity. CMHC-insured multi-family (5+ units) can go as low as 15% down.
Required for most commercial properties to confirm no environmental contamination on the land. Some private lenders may waive this.
2–3 years of property financials, current rent rolls with lease terms, and guarantor personal net worth statements.
lendsimpl shops 50+ lenders to find the lowest rate for your asset class. All rates subject to qualification and lender approval.
Rates shown are indicative as of March 2026. Contact lendsimpl for a personalized quote. FSRA Brokerage #13763.
Plan your commercial deal, estimate costs, and compare scenarios. Free, instant, built for Ontario investors.
Estimate monthly debt service on any commercial loan amount, rate, and amortization.
Open calculatorModel private financing costs for bridge loans, non-conventional scenarios, and equity-based deals.
Open calculatorCompare staying vs switching at renewal — penalty-vs-savings analysis.
Open calculatorEstimate buying budget, down payment, CMHC insurance, and total costs.
Open calculatorBudget for legal fees, land transfer tax, title insurance, and all closing costs.
Open calculatorCalculate Ontario & Toronto LTT including first-time buyer rebates.
Open calculator“Acquired a 12-unit apartment building in Scarborough. Every bank rejected the deal due to deferred maintenance. lendsimpl found a private bridge lender, we closed in 3 weeks and refinanced conventionally 8 months later.”
Michelle L.
Toronto, Ontario
From first home to investment portfolio. Everything under one FSRA-licensed roof.
Do not see your city? Contact us — we serve all of Ontario.
10 expert answers about commercial property financing in Ontario.
A commercial mortgage in Ontario finances the purchase, refinance, or construction of income-producing real estate. Whether you are acquiring a retail strip plaza in Toronto, refinancing a multi-family apartment building in Mississauga, or developing land in Ottawa, lendsimpl connects you with the right lender for your deal.
lendsimpl is a FSRA-licensed mortgage brokerage (#13763) serving all of Ontario. Our commercial mortgage team has arranged over 200+ commercial deals totalling billions in volume. We specialize in retail, industrial, multi-family (5+ units), mixed-use, office, and development financing.
Whether you are searching for the best commercial mortgage rates in Ontario 2026, trying to understand DSCR requirements for your property, or exploring CMHC-insured multi-family financing, lendsimpl can help. Our team has structured commercial mortgages for first-time investors to institutional portfolios across all of Ontario.
Submit your deal details for a same-day lender assessment. lendsimpl's commercial brokers know exactly which lenders will say yes to your deal.
Unit 209 – 3852 Finch Ave E, Toronto, ON M1T 3T9 · hello@lendsimpl.ca