Find the right starting point
Mortgage Lending
Financing for property purchases, refinancing, and access to available equity, with first or second mortgage structures considered.
Commercial and Investment Property Financing
Financing for the acquisition or refinance of income producing and business properties, including rental, multifamily and commercial premises.
Business Loans
Funding for working capital, equipment, expansion, and business acquisitions, connected to a specific business purpose and supported by operations.
Personal Loans
Financing for planned expenses, temporary liquidity needs, and suitable debt consolidation, assessed on income, obligations and affordability.
Bridge Financing
Short term financing for a gap between a funding need and an expected repayment event, such as a property sale or longer term financing.
Renovation and Construction Financing
Funding for property improvements and selected construction projects, assessed against the scope of work, budget, approvals, and completion plan.
Insurance Premium Lending
Borrowed funds toward an insurance premium obligation, subject to a review of the borrower, the policy, available security, and a workable repayment plan.
Private credit with a practical purpose
Catalyst Private Credit focuses on financing for individuals, business owners, and property investors with a specific need for capital. Our lending focus includes mortgages, business and personal loans, real estate financing, and specialized arrangements connected to life insurance. We believe a useful financing structure begins with a clear understanding of the transaction: what the money will accomplish, how long it is needed, what supports the loan, and how it will be repaid.
- Loan amounts from CAD $25,000 to $500,000+, with larger requests considered individually
- Initial response target of 1 to 2 business days
- Preliminary term sheet target of 2 to 5 business days after a complete application
- Funding target of 5 to 15 business days for straightforward transactions, subject to approval, due diligence and closing requirements
- Mortgage, business, personal, bridge, renovation and insurance related lending
- Brokers and professional advisors welcome
A clear plan for the funds and the repayment
Understand the purpose
A property acquisition, an upcoming premium, and a business expansion each create different funding needs. We begin with your objective and the circumstances behind it.
Make the terms understandable
The interest rate is one part of a borrowing decision. The payment schedule, fees, collateral, maturity date, and repayment conditions also need to make sense.
Plan for repayment from the beginning
For a temporary loan, the expected repayment event matters as much as the funding date. For longer financing, the focus includes ongoing affordability.
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01Minimum loan amount, in Canadian dollars
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02Loan amounts up to $500,000 and above, larger requests considered individually
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03Funding target in business days for straightforward transactions
How the process works
A borrowing decision should connect the funds you need today with a repayment plan you can support.
Tell us what you need
Start with the purpose of the financing, the amount requested, your location, and the target funding date. Include the proposed repayment source and any available security.
Provide the relevant information
The documents depend on the request. A property transaction, a business loan, and an insurance related loan each require different information.
Review the proposed structure
If financing can be considered, review the loan amount, term, interest, fees, payment requirements, security, and conditions.
Complete the documentation
Agreements, security documents and third party requirements must be completed before funding. Then keep track of payment dates, reporting obligations and maturity.
How financing could be structured
Hypothetical examples only. They do not represent completed Catalyst Private Credit transactions.
Credit professionals who answer the phone and make the decision
What borrowers and brokers say about working with Catalyst
We had a firm deal and a lender that kept moving the goalposts. Catalyst reviewed the file on a Tuesday, issued a term sheet on Thursday and funded in three weeks. The terms were exactly what they said they would be.
Emily Martin
Real estate developer
I send Catalyst the deals that need a real credit decision, not a form. They tell me quickly whether it fits, and when it does, they close. My clients have never been surprised at the lawyer's office.
Michael Smith
Mortgage broker
Our bank line was capped on last year's numbers while our orders doubled. The Catalyst facility grew with our receivables and let us take the work we had been turning away. Twenty months later we were back at the bank with a line twice the size.
Brian Clark
Business owner
Construction draws were certified and released within days, every time. Interest was capitalized so the project was not bleeding cash during the build. It is the smoothest construction loan I have run.
Ashley Harris
Infill builder
Practical perspectives on borrowing
Explore the decisions behind a financing arrangement, from understanding a bridge loan to preparing a business borrowing request.
Have a transaction in mind? Share a brief overview and the date you need funding, and we can begin by identifying the information needed for a review.
