3852 Finch Ave E #209, Scarborough, ON M1T 3T9, Canada
Brokerage #13763
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Brokerage #13763
Private commercial mortgage in Ontario — a short-term business property loan funded by a private lender (a Mortgage Investment Corporation or individual investor) — approved based on property equity and cash flow, with no personal income documentation required and no personal credit minimum. Used for bridge financing, lease-up, value-add, and time-sensitive acquisitions. lendsimpl — FSRA Brokerage #13763.
No income docs, no personal credit minimum — approved on property equity.
5.0 on Google (19 reviews)FSRA Brokerage #13763Ontario-wideTakes about 30 seconds · Free · No obligation
From application to funding — every step confirmed in writing.
Property details, requested loan amount, and your exit strategy — no income documents needed.
We assess LTV and property cash flow, then match you to the private lender suited to your deal.
Loan amount, rate, and conditions confirmed in writing before you commit to anything.
Ready to submit your deal?
Tell us the property and structure — we'll tell you what's possible.
Up to 75%
Equity-based approval — no personal income documentation required
9–14%
Depending on LTV, property type, and term
Always
All applicable fees disclosed in writing before you proceed
lendsimpl is an FSRA-licensed mortgage brokerage (Brokerage #13763) arranging private commercial mortgages across Ontario. Rates, LTV, and terms vary by property type, location, and lender. All applicable fees are disclosed in writing before you proceed — as required by FSRA regulations.
Any fees that apply to your file — lender, broker, legal, or appraisal costs — are disclosed in writing before you commit to anything, as required by FSRA regulations.
Want the numbers for your specific property?
We'll walk through the options with you.
Access to private lenders — MICs and individual investors — across all commercial property types
Approval based on property equity (LTV) and cash flow, not personal income verification
No personal credit score minimum — deal-focused underwriting
FSRA-licensed Brokerage #13763 — all fees disclosed in writing before you proceed
Have a property type not listed here?
Call us — private lenders cover more than banks think.
5.0 on Google
19 reviews
9–14%
Typical private commercial rate range
Up to 75%
Maximum loan-to-value (LTV)
$250K–$20M
Loan amounts arranged
No personal income documentation. No minimum credit score. Every applicable fee is disclosed in writing before you commit to anything, and you're matched to the private lender suited to your property and timeline.
See it for yourself.
Licensed brokers, straight answers.
Property address, current value or purchase price, requested loan amount, and your exit strategy.
We assess loan-to-value, property cash flow, and lender fit — no personal income documents required.
Matched to the private lender — a MIC or individual investor — suited to your property type and timeline.
Loan amount, rate, LTV, and conditions confirmed in writing before you commit to anything.
Legal documentation is finalized and funds are released — most complete private commercial files fund in 5–10 business days.
Ready to start the process?
Submit your deal, or ask a question first.
Private commercial bridge loans in Ontario fund a new commercial acquisition while you wait for your current property to sell. Terms: 3–18 months. No prepayment penalty on most private commercial bridges. Close in 5–10 business days.
New commercial construction or repositioned assets rarely qualify for bank mortgages until 85%+ occupied. Private lenders fund the lease-up period at 70–80% LTV, then the borrower refinances to institutional once stabilised.
Renovating a strip mall, converting an office building, or upgrading an apartment complex? Banks refuse until the work is complete. Private lenders fund value-add scenarios and allow hold-back advances as renovations hit milestones.
Failed debt service coverage ratio, maturing bank mortgage with declining property income, or personal credit event — private commercial lenders underwrite primarily on property equity and cash flow, not personal financial history.
Won a competitive commercial bid with a 21-day closing? Institutional lenders cannot move that fast. Private commercial lenders in Ontario routinely fund in 5–10 business days with streamlined underwriting.
Gas stations, car washes, restaurants, funeral homes, churches, and other special-use commercial properties are typically declined by banks. Private commercial lenders evaluate equity and location — not use restrictions.
Not sure which use case fits your deal?
Tell us the situation — we'll tell you what's possible.
lendsimpl is a Financial Services Regulatory Authority of Ontario–licensed brokerage. Every mortgage agent is individually licensed.
Any lender, broker, legal, or appraisal fee that applies to your file is disclosed in writing before you commit to anything.
Approval is based on property equity and cash flow — not personal income verification or a minimum credit score.
Your information is encrypted, handled with strict confidentiality, and shared only with the lenders relevant to your file.
Questions about how it works?
No obligation, no pressure.
5.0/5 average rating
Join Ontario businesses we've funded.
Licensed Ontario brokers, real results.
Rather just talk it through?
A licensed broker is one call away.
Straight answers on rates, LTV, eligibility, and timelines — so you know exactly what to expect before you apply.
Have a question we didn’t answer?
Our licensed broker team is happy to help.
A private commercial mortgage in Ontario is a short-term business property loan funded by a private lender — typically a Mortgage Investment Corporation (MIC), syndicated investors, or a high-net-worth individual — rather than a chartered bank or credit union. Private commercial mortgages in Ontario are underwritten primarily on property equity (LTV) and cash flow (DSCR), with no requirement for personal income documentation or minimum credit score. Rates range from approximately 9–14% depending on LTV, property type, and term. Typical terms are 6–24 months, used as bridge financing until the borrower refinances to a bank or B-lender.
Still have questions?
No obligation — just answers.
From downtown Toronto to secondary markets across the province — lendsimpl arranges private commercial mortgages wherever your property is located.
Have a property in one of these areas?
Let's get it financed.
lendsimpl connects Ontario commercial borrowers with private lenders — MICs and individual investors — across all commercial property types. No income docs required. No personal credit minimum. FSRA Brokerage #13763.
No forms, no waiting on a callback — pick a slot for a 15-minute call with a licensed broker directly below.
Hello — I look forward to connecting with you. Tell us a bit about your situation and we'll walk through your options.