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Commercial and Construction Mortgage Financing Solutions

Lending Zone Corp. arranges commercial and construction mortgage financing from $500,000 to $350 million for developers, builders, investors and property owners across Canada. We structure financing for multifamily, mixed-use, land development, construction and other commercial real estate through institutional, alternative and private lenders, including CMHC-insured financing programs where eligible.

✅ Since 1996 . . .

✅ Lending Zone Corp. has arranged commercial and construction mortgage financing for developers, builders, investors and property owners since 1996

✅  We Arrange Customized Commercial and Construction Mortgage Financing through Institutional, Alternative and Private Lenders, Including CMHC-Insured Financing Programs Where Eligible, for a Wide Range of Real Estate Asset Classes Across Canada.

✅ From $500,000 to $350 Million
✅  We Work Directly with Over 1,900 Lenders and Lending Sources in Canada and the U.S. to Identify Financing Structures Suited to Each Transaction.
✅  We Structure and Present Each Financing Request to Suitable Lenders, then Manage the Process Through Underwriting, Commitment and Closing.
✅  Your Vision Today Will Be a Great Memory Sooner Than You Think!
✅  Depending on the Transaction, Financing May Be Structured Through Banks, Credit Unions, Alternative Lenders, Private Lenders or CMHC-Insured Programs. We Offer Comprehensive, Flexible Lending Solutions and Creative Mortgage Financing Capabilities.

Commercial & Construction Mortgage Financing Types

Mortgage Financing for the Purchase or Refinancing of Commercial, Multifamily, Mixed-use, Industrial, Retail and other income-producing Real Estate.

First and Second Mortgage Financing for Commercial Real Estate, including Conventional, Alternative and Private Lending Solutions.

Construction Financing for Commercial, Multifamily, Mixed-use and Residential Development Projects, including Projects with Approved Zoning and Development Plans.
Maximum leverage is available only on qualifying transactions and is subject to lender criteria, borrower strength, project economics and available security.

  • Loan-to-Cost (LTC): Up to 100%
  • Loan-to-Value (LTV): Up to 85%

Development Financing from Raw Land and Site Servicing through Multi-Unit Residential, Mixed-Use and High-Rise Development Projects.

CMHC MLI Select Financing
CMHC-insured Financing for Qualifying New and Existing Multifamily Rental Properties, with Enhanced Leverage and Amortization available based on Affordability, Energy-Efficiency and Accessibility Criteria.

Amortization: Up to 50 Years for Qualifying Applications

New Construction: Up to 95% LTC on the residential component, subject to CMHC eligibility and underwriting.

CMHC Apartment Construction Loan Program (ACLP)
Low-Cost Construction Financing for Qualifying Rental Housing Projects, with Financing of Up to 100% of Eligible Residential Project Costs for Qualifying Applications.

Amortization: Up to 50 Years for Qualifying Applications

  • Residential Component: Up to 100% LTC
  • Non-Residential Component: Up to 75% LTC
  • Minimum Loan Amount is $1 Million

Short-term Bridge Financing for Acquisitions, Redevelopment, Repositioning, Lease-up and other Transitional Situations Until Permanent Financing Can Be Arranged.

Maximum leverage is subject to the transaction, property, exit strategy, borrower strength and lender criteria.

  • Loan-to-Cost (LTC): Up to 85%

Financing for Completed or Substantially Completed Projects, including Unsold Residential or Commercial Inventory, Providing Developers and Builders With Liquidity While Remaining Units Are Marketed, Sold or Transitioned to Longer-Term Financing.

  • Loan-to-Value (LTV): Up to 75%

Financing amounts, leverage, terms and program availability vary by transaction and are subject to lender or CMHC approval, appraisal, borrower strength, property type, project economics and other underwriting criteria.

Maximum leverage varies by property, transaction and lender and is subject to underwriting and approval.

Commercial Real Estate Property Types We Finance

Financing for Land Acquisition, Entitlement, Servicing, Permitting and Development for Commercial, Residential and Mixed-Use Projects.

  • Loan-to-Value (LTV): up to 75% (Acquisition)
  • Loan-to-Value (LTC): Up to 85% (Construction of Underground Services and Roads) 

Mortgage Financing for Income-Producing Commercial Properties, including Retail Buildings, Standalone Commercial Properties and other Owner-Occupied or Investment Real Estate.

  • Loan-to-Value (LTV): Up to 85%

Financing for Low-rise and High-rise Apartment Buildings, Multifamily Rental Properties, Condominium and Townhome Developments, and Other Multi-unit Residential Projects.

Mortgage Financing for Properties Combining Residential, Retail, Office or Other Commercial Uses, including Acquisition, Refinancing and Development Financing.

Mortgage Financing for Warehouses, Manufacturing Facilities, Distribution Centres, Storage Facilities and Other Industrial Properties.

Financing for Neighborhood Plazas, Retail Centres, Shopping Centres and Other Multi-tenant Commercial Properties.

Mortgage Financing for Medical Office Buildings, Healthcare Facilities, Professional Medical Offices and Related Income-producing Properties.

Financing for Retirement Residences, Assisted-living Facilities, Nursing Homes and Other Seniors Housing Properties.

Mortgage Financing for Hotels, Motels, Resorts and Other Hospitality Properties, including Flagged and Independent Properties.

Financing for Farms, Agricultural Properties and Related Rural Commercial Real Estate.

Financing for Churches, Temples and Other Places of Worship, subject to Lender and Property Criteria.

Financing for Income-producing Parking Lots, Parking Facilities and Related Commercial Real Estate.

Mortgage Financing for Gas Stations and Service-Station Properties, including Branded and Independent Locations.

Financing for Mechanic Shops, Automotive Repair Facilities and Other Automotive Commercial Properties.

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