Commercial Lending

Obtaining a commercial loan in Canada can be a complex process, but it can also be a great way to finance your business goals. A commercial mortgage broker can help you navigate the process and find the best loan for your needs.

At Neo Force Financial Services Inc., we understand the unique challenges and aspirations of Canadian businesses. We are a dedicated commercial lending brokerage committed to providing you with the financing solutions you need to achieve your growth goals.

Financing Your Vision

Whether you’re looking to expand your existing operations, acquire a new property, or refinance existing debt, we offer a comprehensive suite of commercial loan options to meet your specific needs. Our loan amounts range from $300,000 to $8,000,000, allowing us to cater to a broad spectrum of businesses across various sectors.

A Diverse Lending Landscape

We work with a vast network of lenders, including local and regional banks, CMBS (Commercial Mortgage-Backed Securities) lenders, and credit unions. This ensures you get access to the most competitive rates and terms available in the Canadian market.

Financing Options Tailored to Your Needs

• Program Types:
  • Local and Regional Banks: We leverage our strong relationships with local and regional banks to secure loans with competitive interest rates and flexible terms.
  • CMBS Loans: For larger financing needs, we can explore CMBS loans, which pool commercial mortgages into securities sold to investors, offering attractive fixed rates.
  • Credit Unions: Credit unions can be a valuable source of commercial financing, particularly for smaller businesses, often with a focus on relationship lending and community support.
• Amortization: Our loan options offer amortization periods of up to 25 years, providing you with manageable monthly payments and flexibility in your long-term financial planning.
• Fixed Rates: We offer fixed-rate options ranging from 3 to 10 years, allowing you to lock in predictable interest rates and budget with confidence. This is especially beneficial in periods of economic uncertainty.
• Loan-to-Value (LTV) Ratio: You can access financing for up to 75% of your property’s appraised value, depending on the program and property type. This allows you to leverage your existing assets to unlock new growth opportunities.
• Debt Coverage Ratio (DCR): We understand that every business has unique financial circumstances. We can explore options with DCRs as low as 1.25, depending on the lender and your business’s overall financial health.

Streamlined Process with Expert Guidance

Our team of experienced commercial lending specialists will guide you through every step of the process. We take the time to understand your business goals and financial situation to identify the optimal financing solution for you. We’ll handle all the paperwork and negotiations with lenders, saving you valuable time and resources.

Required Documentation:

To expedite the application process, we recommend having the following documents readily available:

• Business Plan
• Financial Statements (including income statements, balance sheets, and cash flow statements)
• Tax Returns (personal and business)
• Property Information (including legal descriptions, appraisals, and environmental reports)

Property Types We Finance:

We have extensive experience securing commercial financing for a variety of property types, including:

• Office Buildings
• Retail Space
• Industrial Facilities
• Self-Storage Units

Why Choose Neo Force Financial Services Inc.?

• Extensive Network: We have established relationships with a wide range of lenders, ensuring you access the most competitive options available.
• Client-Centric Approach: We take the time to understand your unique business needs and develop a customized financing solution.
• Streamlined Process: We handle all the paperwork and negotiations, freeing you to focus on running your business.
• Expert Guidance: Our experienced team provides ongoing support throughout the entire financing process.
• Commitment to Canadian Businesses: We are dedicated to helping Canadian entrepreneurs achieve their financial goals.

Unlocking Your Growth Potential

Don’t let limited capital hinder your business ambitions. Contact Neo Force Financial Services Inc. today for a free consultation. Let our team of experts guide you through the commercial lending landscape and unlock the financing solutions you need to turn your vision into reality.