Commercial Real Estate Investment Financing Across Canada

Real estate development requires capital at every stage from securing raw land to stabilizing a fully tenanted building. Banks finance completed assets but developers need funding throughout the entire project lifecycle. At Inspired Management Consulting, we structure financing for land acquisition, construction, bridge periods, and long term take-out.

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Beyond Standard Mortgages

Land Acquisition to Stabilization We Finance the Entire Lifecycle

A standard commercial mortgage covers a finished building generating stable income. Development does not work that way. You need capital to acquire land before site plan approval. You need construction draws to pay contractors during the build. You need bridge financing to cover the lease-up period before tenants stabilize cash flow. Each stage requires different lenders with different risk appetites.

We structure financing across the full development lifecycle. Land acquisition through private lenders or vendor take-back arrangements. Construction loans with progress advances tied to project milestones. Bridge loans to carry the asset through stabilization. Permanent take-out financing once the building reaches target occupancy. One capital partner guiding your project from dirt to disposition.

What We Offer

Specialized Financing for Real Estate Developers

Each stage of real estate development requires different financing structures. Banks focus on stabilized assets with proven cash flow. Developers need lenders who understand construction risk, land entitlement timelines, and lease-up periods. We connect you with capital sources that match your project stage.

Support

+1(403)975-1705
info@inspiredconsulting.ca

Construction Loans

Finance your multi-family, industrial, or retail build with interest-only progress advances. Lenders release funds as construction milestones are verified by quantity surveyors. Loan to cost up to 75%.

Land Financing

Banks avoid raw land. We work with private lenders who fund land acquisition at 50 to 65% LTV. Secure your site now and refinance into construction financing once site plan approval is granted.

Mezzanine Financing

Fill the gap between your senior debt and equity. Mezzanine capital sits behind the first mortgage and boosts your leverage so you keep more cash for other projects.

Bridge Loans

Short term capital for fast closings, lease-up periods, or permit delays. Private bridge financing closes in 5 to 10 business days when you cannot wait for conventional lenders.

Why Choose Us

Real Support for Real Business Owners

Most consultants hand you a report and disappear. We work alongside you. From finding the right loan to managing your books, we stay involved until you see real results. Your problems become our problems and we do not walk away until they are solved.

A rejected application is not the end of the road. We review your situation, fix the gaps, and reapply with lenders who are more likely to say yes. We push until you get funded.

No two businesses are the same. We look at your specific numbers, your industry, and your goals before recommending anything. You get a plan built for you, not a recycled template.

Business loans, personal financing, and management support all under one roof. You do not need to juggle multiple advisors. One call to us handles everything.

About Inspired Management Consulting

Licensed Advisors

Our team includes certified professionals who meet industry standards and stay updated on regulations that affect your business.

10+ Years Experience

We have spent a decade helping small business owners across Canada navigate financing and management challenges.

No Hidden Fees

You will know exactly what you are paying for upfront. No surprise charges and no fine print that works against you.

Local Canadian Team

We are based in Canada and understand the local lending landscape, tax rules, and challenges small businesses face here.

Clients we’ve partnered with

  • Brentwood 1
  • Easylink 1
  • Flagship 1
  • SGS consultation
  • RR 1
  • Brentwood
  • Flagship
  • Easylink
  • SGS Constultation
  • RR
Construction loans Canada Land development financing

Expert Guidance Through Complex Real Estate Deals

Real estate development financing involves multiple lenders, draw schedules, quantity surveyor inspections, and tight timelines. We structure your capital stack, prepare loan packages for each financing stage, and submit to lenders who specialize in construction, land, and bridge deals. You deal with one advisor who understands the entire project lifecycle.

We manage the draw process to keep construction cash flowing. When your quantity surveyor approves a milestone, we coordinate with lenders to release funds quickly so contractors stay paid and work continues. From land acquisition to permanent take-out financing, we facilitate every stage until your project reaches stabilization and exit.

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FAQ’s

Commercial real estate investment financing covers capital for acquiring, developing, and holding income-producing properties. This includes land acquisition, construction, bridge loans, and permanent financing for multi-family, industrial, retail, and mixed-use projects.

A commercial mortgage finances a completed stabilized building. Commercial real estate investment financing covers the entire development lifecycle including land, construction, lease-up, and refinancing. Developers need multiple financing products, not just an end mortgage.

Loan to cost compares the loan amount to total project cost including land, hard costs, and soft costs. Lenders typically finance up to 75% LTC. Borrowers contribute equity first and lenders fund remaining costs through progress advances.

A progress draw is a scheduled release of construction loan funds tied to completed work. The quantity surveyor inspects the site, verifies milestone completion, and approves the draw request. Lenders release funds based on this verification.

A quantity surveyor is a construction cost professional who monitors project progress and verifies completed work for lenders. They approve draw requests and ensure construction stays on budget before funds are released.

A vendor take-back is seller financing where the property seller provides a loan to the buyer as part of the purchase. VTBs are common in land deals where traditional financing is limited. The seller holds a mortgage against the property.

Mezzanine financing is secondary debt that sits behind the senior mortgage. It fills the gap between your first mortgage and equity contribution. Mezzanine lenders accept higher risk and charge higher rates in exchange for boosting your leverage.

A typical capital stack includes senior debt at 65% LTV, mezzanine debt covering another 15 to 20%, and borrower equity for the remainder. Mezzanine capital reduces your cash outlay and frees capital for other projects.

Stabilization is when a property reaches target occupancy and generates consistent rental income. Lenders consider a property stabilized at 85 to 95% occupancy. Stabilization triggers eligibility for permanent take-out financing.

BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. Investors purchase undervalued properties, renovate them, lease to tenants, refinance based on improved value, and use recovered capital for the next acquisition.

Hard costs are direct construction expenses like materials, labor, and equipment. Soft costs include architectural fees, permits, legal costs, financing charges, and project management. Lenders include both when calculating loan to cost.

A general security agreement grants lenders security interest over business assets beyond the real property. Construction and mezzanine lenders often require GSAs as additional protection alongside the mortgage.

No. We are not a lender. We act as your advisor and facilitate complex CRE financing. We structure your capital stack, prepare documentation, and connect you with construction lenders, private capital, mezzanine providers, and permanent financing sources.

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