Our Lending Parameters

The Numbers Behind Every Deal

Straightforward parameters, structured to keep both sides of the deal protected.

Up to 75%
Loan-to-Value
$250K–$5M
Loan Amount
Interest‑Only
Monthly Payments
1st Rank
Hypothec Security

Loan Structure

How a CPL Finance Loan Works

Our loans are built to be simple to understand and easy to service — capital secured against the property, with payments sized to protect cash flow during the term.

Program 01

Residential Lending

Bridge and rehab financing on single-family and multi-unit residential properties. Structured for investors moving on acquisitions, renovations, or short-term holds where speed and flexibility matter more than a standard mortgage timeline can offer.

Program 02

Commercial Lending

Acquisition, bridge, and value-add financing for retail, office, and mixed-use commercial real estate. Loans are underwritten around the asset and the business plan behind it, not just a static balance sheet.

Program 03

Industrial Lending

Capital secured by warehouse, manufacturing, and other industrial-use properties across Montreal and the surrounding area, sized to the asset's value and the strength of the plan for it.

Program 04

Fix & Flip Loans

Short-term capital to acquire and renovate, sized around the after-repair value so investors can keep more of their own capital in play across multiple projects.

Program 05

Bridge Loans

Move fast on time-sensitive purchases with short-term financing that bridges the gap to permanent capital, a sale, or a refinance.

Program 06

Asset-Based Lending

Underwriting built around collateral value and exit strategy first, so approvals move on the strength of the deal rather than getting held up by paperwork.

How It Works

Three Steps to Funding

A straightforward path from submission to close.

01

Submit Your Deal

Share the property details and the numbers behind the opportunity.

02

Get Approved

Our team underwrites the asset directly and gives you a decision.

03

Close & Fund

Once approved, we move straight to closing so you can move on your deal.

What We Look At

Asset-Based, Not Checklist-Based

Every application is reviewed on its own merits. Rather than relying solely on a fixed set of criteria, our underwriting weighs the property, the plan, and the exit strategy together.

Ready to see if your deal qualifies?

Tell us about the property and we'll follow up quickly.

Start Your Application