EQUITY OVER CREDIT

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  • We access the equity your "A" lender ignored. We look at your property's current and future value to provide a custom capital plan.

  • High-interest 2026 debt is a trap. We use a strategic equity bridge to wipe the slate clean and restore your monthly cash flow.

  • From legal basement suites to modern ROI renovations. We fund the project that makes your property worth more to the next lender.

  • For the 15-minute researchers. We specialize in alternative equity solutions for new Canadians that the big banks don't have a "box" for.

Have A Chat With Bobby See What Is Possible

Banks look for reasons to say no. We look for the equity and cash flow to say yes. We specialize in the Strategic Bridge between Big Bank prime rates and Alternative B-Lending."

Our Bread & Butter: Complex Cases & Private Financing


"While the big banks look for reasons to say 'No,' we look for the strategy to say 'Yes.' At Black Knight Capital, our core expertise is navigating the Alternative and Private markets for clients who don't fit the traditional box. Whether you are self-employed, new to Canada, or need to leverage equity quickly, we provide the fast funding and the guaranteed exit strategy you need to stay in control of your financial future." 

 FAQs

  • The duration for obtaining financing approval can differ based on individual circumstances. Generally, you should anticipate a typical timeframe of 3-4 weeks. It's important to remember that various factors may lead to delays in your mortgage approval. Regular communication with your lenders or mortgage agents is essential. Make sure to submit any requested documents promptly; doing so will facilitate a more seamless mortgage experience.

  • This is a preliminary evaluation conducted by a lender to ascertain the amount you could potentially borrow, taking into account your income, existing debt, and credit score. It provides a broad understanding of your borrowing capacity, along with rate protection for a period of up to 120 days.

  • You can utilize it to obtain loans or lines of credit for investments, significant purchases, or consolidating debt. This enables you to access funds at more favorable interest rates compared to unsecured loans.

  • Renewals involve extending your current mortgage with updated rates and terms that reflect the current market conditions. This can mean renewing at the current market rate with your existing lender or switching to a new lender, without increasing your mortgage amount. Refinances involve terminating your existing mortgage contract to make substantial changes, such as securing a new rate or adjusting the terms. They can happen anytime and may include adding money to the mortgage or taking advantage of a significant rate drop.

  • Yes, you retain full ownership and title of your home. You only move or sell when you choose to.

  • You can still start with as little as 5% down, and we can help you integrate your FHSA tax-free savings to maximize your budget.Item description

  • : By rolling high-interest credit cards (20%+) into your mortgage (5-6%), most clients reduce their monthly outgoing cash by $500–$1,200.

  • These are short-term "bridge" solutions, typically for 1 to 2 years, with a built-in plan to move you back to an A-Lender.

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    A: We run a break-even analysis for you to see if the lower rate or extra capital outweighs the penalty fees. description