Our Services

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Commercial real estate generally refers to real estate that can produce income and bring cash flow. That's why they have another name called "Income Producing Properties". Commercial real estates are seen in each and every industry. Therefore, application and approval of commercial mortgages are oftentimes affected by which industry the commercial properties belong to.  For example, the approval of commercial mortgages for hotels and industrial real estate is based on different sets of metrics.     

The uses of these commercial properties also vary widely, and lenders have different requirements for owner-occupied and rental commercial properties when it comes to loan approval.     

The main types of commercial real estate include:     

• Warehousing & Industrial Properties;  
• Retail and shopping malls;   
• Office Strata and Buildings;   
• Apartment Rental Buildings, 
• Student Housing, 
• Nursing Homes;   
• Hotels and Motels;   
• Kindergartens and Child Care Facilities;   
• Gas Stations, 
• Golf Course;   
• Mobile Home Park 

Land loans and construction mortgages are very different from commercial real estate loans on the left column: they do not generate income! 

On the contrary, land acquisition and services, as well as construction projects, require a lot of capital investment, and also require a relatively longer period for development and construction, which increases uncertainty and contains higher risks!  ​  

Land loans mainly include:  

• Land Acquisition;  
• Inventory Loan;  
• Land Services.    

Construction loans, for the reasons mentioned above, do not generate income, and the development and construction need to span several years, and the lender needs to see certain advantages of the project and be able to mitigate risks. For example, a persuasive exit strategy can provide good support for loan applications.

Like real estate, business is yet another vehicle for creating and accumulating wealth.    

But starting a business is not easy! Even a business in the traditional sense, such as opening a restaurant, a kindergarten, or a convenience store, requires a large amount of start-up capital! We can help entrepreneurs solve this problem.  ​  

A business operating loan is a loan for the day-to-day operation, acquisition and expansion of a business, which can be secured or unsecured.  ​  

For secured business operations loans, the collateral can be real estate or other fixed assets such as equipment and inventory. The latter are often referred to as working capital loans.  ​  Most unsecured business operations loans are small and revolving in nature, such as business credit cards and lines of credit. Larger unsecured business operating loans can sometimes be made based on receivables and cash flow.  ​  

There are also relatively complex commercial loan arrangements that are not traditional loans but a mix of debt and equity, depending on their terms and conditions and how events play out.

For the purpose to buy real estate and/or business & consolidate your debts (multiple mortgages) into one single mortgage, reduce your overall interest rate and mortgage payments. 

For the purpose to construct or renovate a property

At the maturity of an existing mortgage, or upon request by your existing lender, transfer it to another mortgage lender

For the purpose to fund business operation and/or expansion