Commercial Lending

Regardless of whether you're acquiring a towering apartment complex or a modest retail outlet, whether you're expanding your enterprise or embarking on a new venture, securing the necessary financing for your business can be a complex endeavor.

Our mortgage experts possess vast experience in the Canadian commercial mortgage sector. We are here to assist you throughout your application journey, ensuring it is as swift and hassle-free as possible, allowing you to focus on the growth of your business.

Commercial Financing

How does a Business Loan secured by real estate differ from a Commercial Mortgage?

A commercial mortgage and a business loan secured by real estate are both borrowing methods that use real estate as collateral. This arrangement safeguards the lender; if you fail to meet your payment obligations, they can take possession of the real estate.

Key difference

A significant distinction is that a commercial mortgage serves as the financial tool that enables a business to acquire a commercial property. In contrast, a business loan secured by real estate is obtained when a company or individual already possesses or has equity in real estate.

Who is this loan for?

This type of secured business loan is perfect for business owners who have assets, such as commercial property, and wish to protect their personal assets in case the business struggles to repay the loan.

Secured Business Loan

Loans can be secured against commercial property owned by the business or the owner’s personal property. If your business is in its early stages, you can use your home as collateral for your business loan. Should you default on your payments, the lender will recover the loan by refinancing with the mortgage lender and taking ownership of your home.

Land Purchase

Commercial financing is frequently utilized to buy or renovate commercial properties, but it can also be employed to purchase land or finance construction costs.

Funding For Land

Construction financing generally encompasses expenses related to the development of a new property, such as materials, labour, and permits. However, whether it includes the cost of land depends on the specific terms of the financing agreement and the lender's policies.

Certain construction loans may provide funds for land purchase, whereas others may require separate financing for land acquisition.

It's crucial to confirm this with the lender when setting up construction financing.

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Homeowners

  • "Black Knight Capital transformed the way we view our home. Their strategic refinancing options allowed us to lower our monthly payments and invest the savings into our children's education fund. Their professionalism and attention to detail made the process seamless."

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  • "As first-time homebuyers, we were overwhelmed by the mortgage process. The team at BKC guided us every step of the way, making it both informative and enjoyable. We couldn't have asked for a better partner in this journey."

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Entrepreneurs

  • "Being self-employed made obtaining a mortgage challenging. The creative problem-solving skills of the BKC team turned what seemed impossible into a reality. Their tailored solutions fit my unique financial situation perfectly."

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  • "After facing hurdles with traditional lenders, Black Knight Capital stepped in with alternative lending options that matched my needs. Their commitment to finding the right solution was both professional and reassuring."

    Michael S.

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