Lending Solutions
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Catalyst Private Credit > Lending Solutions
Financing shaped around the transaction
The right structure depends on what the funds will be used for, the assets available, and the repayment plan. Availability and terms depend on the application, security, and location.
01
Mortgage Lending
Financing for property purchases, refinancing, and access to available equity, with first or second mortgage structures considered.
02
Commercial and Investment Property Financing
Financing for the acquisition or refinance of income producing and business properties, including rental, multifamily and commercial premises.
03
Business Loans
Funding for working capital, equipment, expansion, and business acquisitions, connected to a specific business purpose and supported by operations.
04
Personal Loans
Financing for planned expenses, temporary liquidity needs, and suitable debt consolidation, assessed on income, obligations and affordability.
05
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.
06
Renovation and Construction Financing
Funding for property improvements and selected construction projects, assessed against the scope of work, budget, approvals, and completion plan.
07
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.
08
IFA Lending
Immediate Financing Arrangement lending considered alongside the policy and the intended use of the borrowed funds.
09
Premium Bridge Financing for IFA Transactions
A temporary bridge considered where there is a timing gap around a premium payment and a proposed longer term IFA advance.
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
Premium lending, IFA lending and premium bridge financing
Each of these arrangements creates a separate credit obligation and must fit the insurer's payment requirements and the lender's terms. Timing for insurance related transactions is confirmed following the initial review.
Prepare for the conversation. Have the premium amount and due date, policy type, ownership details, available illustration or statement, proposed security, and repayment source ready. Share sensitive policy or financial records only through the submission method provided for your review.
An Immediate Financing Arrangement involves ongoing borrowing risk. Interest rates, policy performance, collateral requirements, and renewal or repayment terms can affect the outcome, and projected policy values are not the same as guaranteed values. The arrangement should be reviewed with the borrower's insurance, tax, and legal advisors.
Loan amounts and target turnaround times
Turnaround times are targets, not guarantees. Financing is subject to review, approval, applicable requirements, and final documentation.
Loan Amounts
- CAD $25,000 to $500,000+
- Larger requests considered individually
- Amounts in Canadian dollars
- Secured structures where required
- Subject to review and approval
$25K+
Loan amounts
CAD $25,000 to $500,000 and above
Target turnaround
Target Turnaround
- Initial response target: 1 to 2 business days
- Preliminary term sheet: 2 to 5 business days after a complete application
- Funding target: 5 to 15 business days for straightforward transactions
- Complex asset-based and IFA transactions: timing confirmed after initial review
- Targets, not guaranteed closing dates
1 to 2
Business days
Initial response target
Facility Sizing
- Asset-based facilities sized to eligible collateral and underwriting
- Bridge loans structured around the anticipated repayment event
- Term and amount confirmed in the proposed structure
- Security and conditions set out in writing
- Final terms depend on approval and documentation
Case by case
Asset-based and bridge
Assessed individually
Clear terms set out in writing
Repayment planned from the beginning
Brokers and professional advisors welcome
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.
