Trusted Experts In Commercial Financing
Commercial Lending Solutions — CMHC & Conventional Financing Across Canada
Who We Are at MFCommercial
President’s Message
At MF Commercial, we built this business on a simple belief: financing should work for you, not against you. Commercial deals are complex, the stakes are high, and too often borrowers are left guessing. Our job is to take that uncertainty off your plate — to bring you straight answers, the right lender relationships, and a team that treats your deal like our own. Whether you’re buying your first commercial property or financing your next major project, we’re here to get it done right. Thank you for trusting us with your business.
40
Over 40 Lender Relationships
75
Over 75 Years of Combined Experience
1
Over $1 Billion in Financing Arranged
2000
Over 2,000 Transactions Supported
Our Core Services
MFCommercial specializes in commercial financing solutions with a minimum financing requirement of $1 million, tailored for investors, developers, and large-scale commercial projects.
Bridge and Conventional Term
- Flexible short and long-term commercial financing solutions.
- Competitive lending options for property acquisition and refinancing.
- Tailored funding structures based on project and borrower needs.
- Fast approvals with support from experienced commercial specialists.
Construction FInanceing
- Funding solutions for new commercial construction projects.
- Flexible draw structures aligned with construction milestones.
- Support for developers, investors, and commercial builders.
- Efficient financing process to keep projects moving smoothly.
CMHC Insured Term
- Lower interest rates through CMHC-insured commercial financing.
- Ideal for multi-unit residential and mixed-use properties.
- Extended amortization options to improve cash flow.
- Structured financing solutions for stable long-term growth.
CMHC MLI Select
- Financing focused on affordability, accessibility, and energy efficiency.
- Enhanced loan terms and higher leverage opportunities.
- Designed for multi-family residential investment projects.
- Supportive funding solutions aligned with CMHC program guidelines.
CMHC Construction Financing
- CMHC-backed financing for multi-unit construction developments.
- High loan-to-cost ratios with flexible construction funding.
- Reduced borrowing costs through government-backed insurance.
- Professional guidance from planning to project completion.
Our Foundation
Expert guidance, strategic financing, and trusted partnerships that help real estate investments thrive.
Authenticity: Honest Guidance You Can Trust
How MF Commercial protects your vision. In commercial real estate, a deal only works if the numbers make sense. At MF Commercial, we prioritize transparent, candid conversations over transactional hype. We listen to your long-term objectives and provide straightforward, reliable market advice so you can make decisions with complete confidence.
Entrepreneurship: Creating Solutions, Not Just Matching Products
How MF Commercial tackles unique scenarios. Standard, off-the-shelf financing rarely cuts it for complex properties. MF Commercial brings an entrepreneurial mindset to your portfolio, looking at capital through a creative lens. Instead of forcing your project into a rigid lending box, we build customized structures tailored to your growth strategy.
Collaboration: Leveraging a Vast Network for Your Benefit
How MF Commercial connects you to the market. Securing the right mortgage requires a deep, interconnected ecosystem. MF Commercial works collaboratively, pulling insights from an extensive network of institutional lenders, private capital, and industry specialists. We bring the power of a collective team to ensure your project is positioned perfectly.
Client-First: Prioritizing Your Long-Term Success
How MF Commercial builds lasting partnerships. A successful real estate strategy unfolds over years, not weeks. MF Commercial invests heavily in your relationship long before a loan is drafted—and stays at the table long after it closes. We focus on your operational goals, ensuring our advice always puts your capital preservation first.
Rigor: Institutional-Grade Analysis and Discipline
How MF Commercial ensures execution. Navigating today's fast-moving market requires absolute precision. MF Commercial applies institutional-grade underwriting discipline to every deal. By meticulously vetting data and anticipating lender questions, we eliminate surprises and deliver accurate, viable financing solutions that perform.
We Are Here To Help You
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Access CMHC-Insured Financing
Benefit from lower interest rates and increased loan security through CMHC-backed mortgage programmes designed for Canadian multi-unit residential properties.
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Higher Loan-to-Value (Up to 85%)
Maximise your investment potential with higher leverage options available under CMHC guidelines.
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Extended Amortisation Periods
Improve cash flow with amortisation terms of up to 40–50 years, ideal for long-term investors and developers.
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Expert Navigation of CMHC Requirements
From MLI Select scoring to documentation and approvals, we simplify the entire CMHC application process for you.
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Financing for Acquisitions, Refinancing & Development
Whether you're purchasing, refinancing, or building multi-family properties, we structure the right solution for your needs.
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Nationwide Lender Network Across Canada
We work with top Canadian lenders, credit unions, and CMHC-approved institutions to secure the most competitive terms.
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Among Them We’re
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What types of commercial properties do you finance?
MF Commercial provides financing solutions for a wide range of property types, including multi-family residential buildings, office buildings, retail plazas, industrial properties, medical facilities, mixed-use developments, self-storage facilities, land development projects, retirement residences, and student housing.
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What loan amounts do you typically arrange?
We specialize in commercial financing solutions ranging from approximately $2 million to $500 million, depending on the project's size, complexity, and financing requirements.
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How is a commercial mortgage different from a residential mortgage?
Commercial mortgages are based primarily on the property's income, cash flow, tenant quality, and business viability rather than solely on the borrower's personal income. They are designed for investment and business properties rather than owner-occupied homes.
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Do you work with multiple lenders?
Yes. Our extensive lender network allows us to match each transaction with the lender best suited to the property's type, financing structure, and investment goals, helping clients secure competitive terms and flexible solutions.
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Can you help with construction financing?
Absolutely. We assist developers and investors with land acquisition financing, infrastructure financing, bridge loans, inventory financing, mezzanine financing, and full construction lending solutions from project inception through completion.
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What is CMHC-insured financing, and who qualifies?
CMHC-insured financing can provide higher loan-to-value ratios, longer amortization periods, and attractive financing terms for eligible multi-residential and affordable housing projects. Our team can help determine whether your project qualifies and guide you through the process.
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Can you help if my bank has declined my application?
Yes. Many commercial financing opportunities require specialized structuring and access to alternative lending sources. We work with a broad range of institutional, credit union, and private lenders to find solutions that traditional banks may not offer.
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How long does the commercial mortgage approval process take?
Timelines vary based on the complexity of the transaction, property type, and lender requirements. Simple refinances may move quickly, while construction and development financing often require additional due diligence. Our team works proactively to keep the process moving efficiently.
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What information do I need to start the financing process?
Typically, lenders will review details such as property information, rent rolls, operating statements, financial statements, borrower information, purchase agreements (if applicable), and development plans for construction projects. Our team will guide you through the specific requirements for your transaction.
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