Monty Capital helps clients structure and secure financing through banks, institutional lenders, asset-based lenders and alternative capital providers. We assess the transaction, prepare the lender submission, negotiate the structure and help manage the process through closing.
Business financing & capital advisory
Capital structured around your next move.
From operating liquidity to an acquisition or expansion, we connect the business decision to the right financing structure: purpose, repayment capacity, security and timing.
Business financing
- Operating lines of credit for recurring working-capital needs.
- Term loans for equipment, renovations, expansion and defined investments.
- Accounts-receivable financing, factoring and asset-based facilities.
- Equipment financing and leasing.
- Business debt consolidation and refinancing.
- Cash-flow and alternative term financing where conventional structures are not appropriate.
- Government-supported business financing programs where the borrower and purpose qualify.
Acquisition & growth capital
- Acquisition of an operating business.
- Expansion into a new location or market.
- Major capital expenditure and equipment purchases.
- Partner or shareholder buyouts.
- Recapitalization and debt restructuring.
- Transactions combining business assets and commercial real estate.
- Management buyouts and succession transactions.
Monty Capital Inc. provides business-financing and capital-advisory services. Depending on the transaction, financing may be arranged through third-party providers or provided directly by Monty Capital. Final structure and terms are confirmed following transaction review.
Commercial & CMHC financing
Commercial financing. Income properties in focus.
Apartment buildings and income properties are a major focus. We also arrange financing for owner-occupied, mixed-use, industrial, retail, office, medical and special-purpose properties—from acquisition and refinancing to construction and development.
Apartment buildings & CMHC MLI Select
Higher leverage. Longer amortization. A plan for the building.
Eligible projects can access increased leverage and longer repayment periods through commitments to affordability, energy efficiency and accessibility.
At 70 points or more under MLI Select.
At 100 points under MLI Select.
For new construction, the maximum is up to 95% loan-to-cost, rather than loan-to-value. Actual terms depend on the applicable point level, project commitments, property cash flow, underwriting and approval. Higher leverage increases debt exposure; longer amortization slows principal repayment and may increase total interest cost. Read CMHC’s program requirements.
Across the commercial property lifecycle
- Commercial property purchases and refinancing.
- Owner-occupied real estate for established businesses.
- Multifamily and apartment financing.
- Construction and development financing.
- Bridge financing for acquisition, renovation, lease-up or stabilization.
- Equity take-outs and portfolio refinancing.
- CMHC-insured multifamily financing, including MLI Select where applicable.
- Mixed-use, industrial, retail, office, medical and special-purpose properties, subject to lender appetite.
Mortgage services are arranged through Real Mortgage Associates Inc., Brokerage Licence #10464. Monty Sands, Mortgage Agent Level 2, Licence #M08002722.
Bank, private & jumbo mortgages
A mortgage strategy for a more complex file.
Jumbo mortgage loans, self-employed income and multiple-property ownership call for a clear view of the borrower and the property. Private and bridge financing must also have a credible, supported exit strategy.
Purchase and Refinance
Residential purchases, refinances, equity takeouts and secured lines of credit for primary residences, second homes and investment properties.
Self-Employed and Complex Income
Mortgage structures for business owners, professionals and borrowers whose income does not fit standard bank documentation.
Investors and Commercial Property
Financing for rental portfolios, multifamily properties, commercial purchases, construction and property repositioning.
Private, Bridge and Equity Financing
Short-term solutions may be considered where the borrower, property, available equity and exit strategy support a workable structure.
Mortgage services are arranged through Real Mortgage Associates Inc., Brokerage Licence #10464. Monty Sands, Mortgage Agent Level 2, Licence #M08002722.
Investing
Put Your Capital to Work Through Private Mortgage Lending
Aiming for $5,000 per month?
At an illustrative 9.95% annual cash rate, $500,000 would generate $49,750 a year, or approximately $4,145.83 per month, before fees and personal taxes. A $5,000 monthly income goal would require approximately $603,015 invested at that same rate. These calculations assume the full principal remains invested, interest is paid monthly and every payment is made. The 9.95% rate is an illustration, not a currently quoted investment offer, forecast or guaranteed return. Actual terms, fees, payment schedules and suitability must be assessed for the specific investment. Capital is at risk.
TFSA, RRSP and other investment accounts
Some mortgage investments can be held in self-directed registered plans. Eligibility depends on the investment, your circumstances, applicable tax rules and the plan trustee. Contribution room and withdrawal rules also apply; income earned inside a registered plan is not automatically spendable income outside it. Non-registered investment options can also be discussed.
MIC shares represent an interest in a pooled mortgage portfolio and may pay dividends. They are different from lending directly against a particular property. Any MIC subscription must follow the issuer’s offering documents and the applicable securities eligibility, suitability and distribution requirements. Our direct-mortgage process below does not describe the MIC subscription process.
Explore private mortgage lending with a process built around your income goals, financial circumstances and capacity to accept risk. Direct mortgage investments earn interest under the loan terms; they are different from shares in a mortgage investment corporation.
Suitability comes first. We review your objectives, experience, liquidity needs and ability to absorb a loss, alongside the proposed mortgage. We assess the borrower, property valuation, mortgage priority, existing debt, repayment capacity and exit strategy.
Separate lawyers. Clear responsibilities. Our process calls for the lender and borrower to have separate legal representation. We coordinate the financing process through closing, with the lawyers responsible for legal advice, security documents and registration. Fees, material risks, conflicts and who the brokerage represents are explained before a decision.
Understand the risks. Mortgage security does not guarantee repayment. Payments may be delayed or missed, property values may fall, enforcement can be costly, and some or all of your capital may be lost. Your funds may not be accessible before repayment. Returns and payment schedules depend on the specific mortgage; no return or capital protection is guaranteed.
Book an investor suitability discussion
Mortgage brokerage services are provided by Monty Sands through Real Mortgage Associates Inc., Brokerage Licence #10464. This is an invitation to discuss suitability, not an offer of a particular investment or MIC shares.
Case studies & funded transactions
Financing that moved the transaction forward.
Funded · Business
$1.8MAcquisition & operating liquidity
Approximately $1.8M in total capital, including $1.45M in new bank facilities, with existing development debt and a vendor note coordinated.
Funded · Commercial
$5.525MOwner-occupied property acquisition
Commercial property financing structured with a 25-year amortization and closing conditions coordinated through funding.
Funded · CMHC
$3.2M11-unit apartment construction
Approximately $3.2M in CMHC-insured financing, funded after underwriting and completion of lender conditions.
Selected completed transactions. Names are withheld and amounts are rounded. The full collection also identifies representative large-transaction composites separately.
Read the full case studies →About Monty Capital
Meet Monty Sands.
Monty works directly with business owners, investors, developers and self-employed borrowers. Explore his experience, background and approach to professional partnerships.
Meet Monty & explore his experience →Articles & insights
Bring a clearer story to your next financing conversation.
Before you buy a GTA apartment building, prepare the story
Put the building, its operating picture and your ownership plan into a useful summary. Learn which questions to bring to an initial review and how to put CMHC MLI Select in context.
Read the article →