Commercial Financing
Multi-unit buildings, retail spaces, and development projects demand specialized structuring. We align financing terms with your investment strategy and negotiate aggressively on your behalf.
Prefer to call? (514) 895-4228
Who This Is For
Multi-Unit Investors
Duplexes, triplexes, and apartment buildings in Quebec
Commercial Buyers
Retail, office, or industrial property acquisitions
Developers
Construction and land development projects
How It Works
Project Assessment
We analyze the property's income potential, market position, and your investment thesis to structure the right financing approach.
Lender Sourcing
Commercial financing isn't one-size-fits-all. We identify lenders whose criteria and appetite match your property type and project scale.
Term Negotiation
We negotiate rate, amortization, covenant terms, and prepayment structures that protect your cash flow and maximize ROI.
Documentation & Close
Commercial closings involve more stakeholders. We coordinate appraisals, environmental assessments, and legal work to keep timelines on track.
What You Get
Investment Analysis
Cash flow modeling and ROI projections for every deal
Custom Structuring
Terms designed around your investment timeline
Portfolio Strategy
Long-term financing alignment across multiple properties
Rate Negotiation
Aggressive lender negotiation for optimal terms
Common Questions
Typically 20-35% depending on property type and lender. Multi-unit residential (duplexes to 4-plexes) often starts at 20%. Pure commercial properties and larger apartment buildings may require 25-35%. We identify lenders with the lowest down payment requirements for your specific deal.
Commercial rates typically carry a premium above residential financing, depending on risk, property type, and loan size. The terms are also shorter — often 1-5 years with 20-25 year amortization. We negotiate to minimize the rate premium and maximize term flexibility.
Yes, and this is common for income-producing properties. Lenders typically use 50-80% of projected rental income, depending on the property type and market. We prepare professional income projections that lenders accept.
Yes. Construction financing involves staged draws, progress inspections, and holdback structures. We work with lenders experienced in construction lending and manage the draw schedule to keep your project funded on time.
“I approached Gabriel for a commercial property investment. His knowledge of the Quebec market and his network of lenders made what seemed impossible, possible. Professional from start to finish.”
Robert
Investor in Quebec City
Ready to Get Started?
Book a free 20-minute consultation. We'll review your situation and outline the best path forward — no obligation, no pressure.
Prefer to call? (514) 895-4228