Private Business Loans When Banks Say No

Bank rejection does not mean your business lacks value. It means your situation does not fit their rigid criteria. At Inspired Management Consulting, we connect Canadian business owners with private lenders who approve based on assets, equity, and real business potential. Fast funding in as little as 3 to 5 business days for businesses with real estate, equipment, or other collateral.

Book a Call About Us

When Banks Fail You

Banks Use Algorithms and Private Lenders Use Logic

Banks run your application through automated systems that flag credit scores, tax liens, recent losses, and missing documentation. One red flag triggers rejection regardless of your actual business performance. You own property with equity. You generate revenue. You have customers. None of that matters when the algorithm says no.

Private lenders evaluate differently. They look at what you own and what your business actually does. Real estate equity, equipment value, accounts receivable, and cash flow tell a story your credit score cannot. A tax lien from two years ago does not erase the $200,000 equity in your commercial property. Private lending turns that equity into capital when banks refuse to see past the numbers.

Second mortgage for business Fast business cash

The Bridge Strategy That Gets You Back to Traditional Lending

Private loans carry higher interest rates than traditional bank financing. This is not capital you hold for ten years. Private lending is a strategic bridge that solves an immediate problem while you fix the underlying issues. Pay off CRA arrears, close on a time-sensitive deal, or consolidate toxic debt now. Use the next 12 to 24 months to rebuild credit, file clean taxes, and stabilize cash flow.

Once your situation improves, we refinance you into conventional bank financing at lower rates and better terms. The private loan served its purpose. You seized the opportunity, solved the crisis, and protected your business. Now you exit into an A lender mortgage or traditional business loan. That is the bridge strategy and we plan your exit from day one.

Contact Us

Private Lending Solutions

Situations Where Business Private Capital Solves the Problem

Private lending is not for every situation. It fits specific scenarios where speed, flexibility, or asset-based approval matters more than the lowest interest rate. These are the situations where private capital makes strategic sense.

Support

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

CRA Tax Arrears

Unpaid HST, payroll remittances, or corporate taxes trigger aggressive CRA collection. Account freezes, liens, and garnishments threaten your operations. A private loan pays CRA immediately and stops the bleeding.

Time-Sensitive Closings

A property deal or business acquisition has a 10-day closing. Banks need 60 days minimum. Private lenders fund in 3 to 5 business days so you capture the opportunity before it disappears.

Bad Credit Recovery

Recent bankruptcy, consumer proposal discharge, or credit score below 550. Banks will not look at you for years. Private lenders approve based on your equity and give you time to rebuild.

Bridge to Stabilization

Your business had a rough year but is recovering. Banks see last year’s losses. Private lenders see current revenue and asset value. Bridge the gap until your financials qualify for traditional lending.

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
Second mortgage for business Fast business cash

Professional Business Private Lending With No Surprises

Private lending has a reputation problem. Stories of predatory lenders and hidden fees make business owners cautious. We do not work with loan sharks. Our network includes established Mortgage Investment Corporations, licensed private lenders, and high-net-worth investors operating under provincial regulations. Every deal goes through lawyers. All fees are disclosed upfront in your commitment letter.

At Inspired Management Consulting, we assess your assets, calculate available equity, and match you with private lenders who fit your situation. We prepare your application, negotiate terms, and review every document before you sign. We also plan your exit strategy from day one so you know exactly how and when you transition back to traditional financing.

Contact Us

FAQ’s

Private business lending provides financing from non-bank sources including Mortgage Investment Corporations, private investors, and alternative lenders. Approval is based on assets and equity rather than credit scores and traditional income verification.

Banks use automated underwriting with strict criteria for credit scores, income documentation, and debt ratios. Private lenders evaluate your assets, equity, and overall situation. They approve deals banks reject and fund much faster.

Private business loans are almost always secured. Common collateral includes residential property, commercial real estate, industrial buildings, land, and heavy equipment owned free of liens. Your equity determines loan amount.

Yes. Many business owners use residential property equity through a second or third mortgage to access capital for their business. This is one of the most common private lending structures.

A second mortgage is a loan secured against property behind your first mortgage. Private lenders provide second mortgages based on available equity. You make payments on both mortgages simultaneously.

A blanket mortgage secures one loan against multiple properties. Also called an inter-alia charge. This structure allows you to combine equity from several properties to access larger loan amounts.

Yes. CRA tax debt is one of the most common reasons business owners seek private lending. A private loan pays off HST arrears, payroll remittances, or corporate taxes and stops CRA collection action immediately.

CRA can freeze your business bank account to collect unpaid taxes. A private loan secured against your property pays CRA directly and releases the freeze. This restores access to your account and normal operations.

Yes. Heavy trucks, construction equipment, manufacturing machinery, and other high-value equipment can secure private loans. Equipment must be owned free of liens or have significant equity.

An exit strategy is your plan to transition from private financing to traditional bank lending at lower rates. We plan your exit from day one including credit rebuilding, tax filing, and financial cleanup to qualify for conventional refinancing.

Hard money lending is a term more common in the United States. Private lending in Canada functions similarly with asset based approval, short terms, and higher rates. Both focus on collateral value over credit scores.

No. We are not a lender. We act as your advisor and connect you with Mortgage Investment Corporations, private lenders, and alternative financing sources across Canada. We negotiate terms and manage the process on your behalf.

Schedule Your Free Consultation

Take The First Step

Loading...