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Fast, Flexible Capital for Unique Scenarios

When banks move slowly, we provide custom solutions backed by over 60 alternative lenders.

"Private rates are based on your home's equity, not just your credit score. Use this for a baseline estimate, then let's customize your actual funding."

Get Bobby’s Custom Private Quote


"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." 

Our Bread & Butter: Complex Cases & Private Financing

The Black Knight Strategy: Your Path Back to Prime

At Black Knight Capital, we view private financing as a strategic bridge, not a permanent destination. Because every client’s financial journey is unique, Bobby creates a customized "Exit Roadmap" for every private mortgage we fund.

How We Bridge the Gap:

  1. The Short-Term Solution (Year 1): We secure the fast, asset-based funding you need today to solve an immediate challenge—whether that’s debt consolidation, a business investment, or an urgent closing.

  2. The Mid-Term Adjustment: While you are in your private term, we use our Enhanced Reporting tools to track your credit health and income documentation. Bobby provides specific milestones to help you become "bank-ready" again.

  3. The Long-Term Transition: As your term nears completion, we don't just renew; we re-evaluate. If your profile has strengthened, we leverage our A-Lender relationships to move you back to traditional prime rates. 

  4. Customized for You: Whether your path back to a bank involves seasoning your business financials or improving your credit score, Bobby ensures your private mortgage has a clear purpose and a defined end date.

  • Bright living room with large windows, beige furniture with blue pillows, a fireplace, and a view of a cityscape and ocean outside.

    Access To Cash

    Leverage the equity in your home to secure funds for important expenses such as home improvements, education fees, or debt consolidation. This approach enables you to access essential cash without having to sell off other assets.

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    Alternative Lending

    Private mortgages offer a useful alternative when conventional banks turn down your loan application. This is particularly advantageous for individuals with atypical financial circumstances or those who have been denied by regular lenders.

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    Flexiable Terms

    Opt for loan terms that align with your financial needs. Whether you need a short-term solution for immediate cash flow or a longer-term arrangement to manage your finances more comfortably, you can find terms that fit your situation.

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    Keep Money Close To Home

    Obtain extra financing without altering your current mortgage. This allows you to maintain your existing mortgage terms, simplifying the management of both your current and new financial obligations.

Our Expert Brokers In Private Financing

Many individuals are unaware of what private mortgages entail. Private Mortgages serve to bridge the gaps that larger banks often cannot or choose not to address. Below are some quick facts for your reference.

  • Approval Methodology

  • Digital Technology and Reports

  • Working with your credit ( good or bad)

Private Lending Q&A

  • You may find it challenging to secure a loan from your local bank or lending institution due to various factors. Perhaps you are self-employed, or you simply do not meet the bank's often strict criteria, leaving you in a difficult position. This is where private lending becomes a viable option. Private lenders focus on the overall value and marketability of a property rather than just the borrower's credit history. There are private individuals eager to lend you their money, hoping to earn a return on their investment.

  • A: Acquiring a property that traditional banks or lenders refuse to finance • You require quick funding and cannot afford to wait for lengthy approval times • You are in need of a short-term loan • Your credit history may not be perfect, leading to repeated rejections from conventional lenders • Your income might be difficult to verify (for example, if you are self-employed)

  • A: Private lenders may consist of individuals, a collective of investors who combine their resources for specific cases, or potentially a consortium of investors who aggregate funds to support multiple investment opportunities.

  • A: Private mortgage lenders determine their rates based on various factors including location, property type, perceived risk, and estimated administrative costs. Each private mortgage interest rate is tailored to specific circumstances. Generally, though, the interest rates tend to be slightly higher than those commonly advertised by most lenders. You can typically anticipate mortgage interest rates starting at 10% or more.

  • A: Approval usually occurs within a week of submitting your application, and in some cases, it can happen even faster. However, the actual loan processing and the final disbursement of funds may take around 2 to 3 weeks description

  • A: Similar to a conventional mortgage, private lenders require you to submit several fundamental documents, including… • The value and type of the property • Your income details • The amount of your down payment (if you are buying) • Your equity (if you are refinancing)tem description

    • A: Most private mortgages in Ontario are interest-only with a fixed rate for a 1-year term. This keeps your monthly payments as low as possible while you navigate your short-term financial goals.

  • A: Typically, private lenders will lend up to 75-80% Loan-to-Value (LTV) of your home's appraised value. The focus is on the equity in your asset rather than your traditional income.

  • A: Private loans usually involve a lender fee and a brokerage fee, as they aren't paid by the bank like "A-Lender" deals. We provide a full, transparent breakdown of all costs before you sign any commitment.