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Small Business Mortgages

Request A Small Business Property Financing Consult

Own the space your business runs in—and finance it like an asset, not a liability.

Leasing is simple until it isn’t: rent escalates, landlords change, locations get sold. At some point, owning your own premises stops being a dream and starts looking like risk management. A small business mortgage is not a dressed-up home loan. Lenders are reading two things at once: the strength of your operating company and the quality of the building you’re buying. The file has to make sense on both sides. This service is where we map out that story properly—numbers, structure, and terms—so your business can grow inside a building that works for it.

How Lenders Look At Small Business Mortgages

Buying a shop, clinic, warehouse, or office for your own use is a hybrid transaction: part commercial, part owner-occupied. The lender wants to know if the business and the real estate can both stand up over time.

Business And Property Evaluated Together

A healthy building with a weak business doesn’t fly. A great business paying too much for a marginal property doesn’t either. We walk through both sides: Operating performance: revenue pattern, margins, existing term debt, owner draws. Real estate fundamentals: location, zoning, building condition, sale comps, sustainability of value. The goal is to present a package where the property supports the business and the business justifies the property.

Cash Flow Over T4s

For small business owners, lenders are less interested in a single T4 and more in recurring cash flow. That means normalized financial statements, add-backs (amortization, some non-recurring costs), and a realistic debt service picture. We translate your accountant’s work into something a credit committee can digest without guesswork.

Risk And Exit Considerations

Banks and non-bank lenders ask the same questions you do: “What happens if revenue dips? If we need more space? If we outgrow this building?” We confront those scenarios directly, then size debt and term so your company isn’t stretched to its limits on day one.

What We Actually Do In A Small Business Mortgage Mandate

This isn’t just rate-shopping. It’s a coordinated effort to line up your company, your building, and your capital.

Analyze Your Operating Numbers

We review several years of financial statements, current interim results, and existing obligations. Then we: Normalize earnings (strip out one-offs where appropriate). Identify the safe range for debt service relative to your industry and volatility. Flag any trends a lender might worry about so we can explain them before someone else asks.

Shape The Ask

Walking into a lender with “we’d like to borrow as much as possible” is a good way to get either a no or an expensive yes. Instead, we define: Purchase price, down payment, and proposed loan amount. Desired term, amortization, and repayment profile. Whether the property should sit in a holding company with a lease back to the operating company, or be owned directly by the business—coordinating, where needed, with your accountant.

Match To The Right Lending Channel

Some files belong with a chartered bank, some with a credit union, some with specialized lenders who understand your sector. We select potential funders based on: Property type (medical, light industrial, retail, professional office, etc.). Loan size and leverage. Appetite for your line of business. The aim is to get a small number of serious offers, not a dozen soft maybes.

Move From Indicative Terms To Closing

Once terms are on the table, we: Compare offers beyond headline pricing (covenants, reporting, prepayment mechanics, security). Oversee appraisal and any environmental work. Coordinate with legal and your accountant so that registrations, guarantees, and leases are drafted correctly.

How The Engagement Typically Unfolds

You’re running a company. The process has to be organized and predictable.
Step 1

Discovery And Feasibility

We gather the basics: what you do, where you operate, why this building, and how it fits growth plans. We review preliminary numbers to answer one question: “Does this acquisition make sense on paper?” If the answer is no, better to fix that now than after conditions are waived.
Step 1
Step 2

Structuring And Lender Strategy

With feasibility in hand, we propose a structure: down payment size, amortization, term length, and security. We then agree on which lender types to approach and what story we’re telling with the file.
Step 2
Step 3

Term Sheets And Negotiation

We solicit detailed proposals, not vague interest. You’ll see: Committed loan amounts. Pricing grids. Covenants and conditions. We then refine the ask where needed and, if appropriate, push for improved terms.
Step 3
Step 4

Approval To Funding

After you pick a direction, we support you through the remaining steps: updated financials, landlord estoppels (if applicable), appraisal, legal documents. The goal is a clean closing that doesn’t hijack your day-to-day operations.
Step 4

Who Typically Uses Small Business Mortgage Support

This type of work isn’t just for big corporations. It’s built around the realities of owner-operated firms.
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Clinics And Professional Practices

Doctors, dentists, physiotherapists, accountants, lawyers, and similar professionals often reach a point where paying rent makes less sense than building equity. We help make sure the facility cost doesn’t crush cash flow or growth plans.

Trades, Service, And Light Industrial Owners

Contractors, fabricators, distributors, and service companies often need shop and yard space that is hard to lease on good terms. Buying can stabilize occupancy costs—if the financing is set up with realistic assumptions.

Retailers And Hospitality Operators

Shops, cafes, and other consumer-facing businesses sometimes have the opportunity to acquire the building they currently rent. Here, we’re balancing the volatility of the business with the stability of the underlying property.

FAQs

Expect to contribute a meaningful equity portion. The exact percentage depends on property type, lender, and your financial strength. We model scenarios so you know what’s required before you sign a purchase agreement.
Often, yes—particularly for closely held companies. We review the guarantee language carefully and, where possible, negotiate scope (amount, duration, and release conditions).
We run coverage tests not just to meet lender minimums, but to leave room for hiring, inventory, and normal business fluctuations.
Assuming timely documents and cooperative parties, we can often get from initial review to funding in a matter of weeks, but appraisal, environmental, and legal timing will drive the exact calendar. We map this out early so you can plan.

If You’re Considering Buying A Building For Your Business

The financing conversation should start while you’re still deciding whether to own, not after you’ve committed. Send a brief outline: Your business type and years in operation. The property you’re looking at (or type of building you want). Rough price range and timing. From there, we’ll map out what a sensible loan structure looks like, which lenders are realistic options, and how to move from idea to signed commitment without putting your business under unnecessary strain.
Schedule Your Small Business Mortgage Consult
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