Alternative Lending
Flexible Solutions When the Bank Says 'No'
Traditional banking guidelines don't always reflect your true financial potential. We provide access to specialized lending programs that offer flexible criteria for income, down payments, and credit history.
1Who is this for?
- Self-employed individuals with write-offs
- Newcomers with limited Canadian history
- Clients with bruised credit or high debt ratios
2Common Challenges
- Rejected by banks due to strict 'stress test' rules
- Proving income through traditional T4s
- Need for higher loan amounts than banks offer
How We Help You Win
Our Strategy
- Access to B-Lenders and Private institutions
- Stated Income and Net Worth programs
- Exit strategies to transition back to prime lenders
Your Benefit
- Approval when others said no
- Flexible income verification
- A customized plan to repair credit and equity
Success Stories
Debt Consolidation & Cash Flow
High-income self-employed with $80k+ in unsecured debt.
Rejected by banks due to high debt ratios (TDS). High monthly payments affecting lifestyle.
Consolidated cards and LOC into a single alternative mortgage.
Reduced interest from 20% to ~7%. Lowered monthly payments by 40%. improved credit for future refinancing.
Newcomers & Business Owners
New to Canada (<2 yrs) or new business owner (~1 yr).
Strong assets but limited Canadian credit/income history. Bank limits were too low.
Utilized 'Stated Income' and 'Net Worth' programs focusing on assets over standard docs.
Purchased home with 35% down. Secured approved loan amount based on true financial strength.
Frequently Asked Questions
Are rates higher for alternative lending?
Yes, typically 1-2% higher than prime rates, reflecting the added flexibility.
Is this a permanent solution?
No. We view it as a bridge. Our goal is to move you back to a prime lender within 1-2 years.
Do I need a large down payment?
Usually 20% is required, but some programs allow for less depending on the situation.