Alternative Lending Solutions

Private Lending

Alternative lending solutions when traditional financing isn't an option. Fast approvals, flexible terms, and creative solutions for unique scenarios.

Higher Cost • Higher Approval
8-15%+ rates • 24-48 hour approvals • 95%+ approval rates
Get Fast ApprovalCalculate Options

Lending Spectrum

Understanding your options across the lending spectrum

Traditional Lending

Interest Rates:3.5% - 6.5%
Timeline:30-45 days
Documentation:Extensive
Credit Required:Excellent required
Approval Rate:70-80%

Equity Lending

Interest Rates:Prime + 0.50-2.00%
Timeline:1-2 weeks
Documentation:Standard
Credit Required:Good required
Approval Rate:85-90%
This Section

Private Lending

Interest Rates:8% - 15%+
Timeline:24-48 hours
Documentation:Minimal
Credit Required:Flexible
Approval Rate:95%+

Private Lending Scenarios

When private lending provides the best solution

Credit Challenges

Previous bankruptcy, consumer proposals, or credit issues

8% - 12%
  • Recent credit events
  • Self-employed income
  • Non-traditional employment
  • Asset-based approval

Speed Requirements

Time-sensitive transactions requiring fast approvals

9% - 15%
  • Same-day approvals
  • Quick closings
  • Bridge financing
  • Minimal documentation

Unique Properties

Properties that don't fit traditional lending criteria

10% - 14%
  • Rural properties
  • Unique constructions
  • Mixed-use buildings
  • Special purpose properties

Alternative Income

Non-traditional income sources and documentation

8% - 13%
  • Cash businesses
  • Foreign income
  • Investment income
  • Bank statement programs

When to Consider Private Lending

Traditional lenders have declined your application
You need funding within 24-48 hours
Credit challenges prevent bank approval
Self-employed with complex income
Unique property or transaction structure
Bridge financing for time-sensitive deals

Private Lending Calculators

Specialized calculators for alternative lending scenarios

Popular

Alternative Income Calculator

Calculate approval amounts using non-traditional income

Popular

Asset-Based Calculator

Determine loan amounts based on property value vs income

Bridge Financing Calculator

Calculate short-term bridge loan costs and timeline

Quick Approval Calculator

Estimate approval probability and terms for fast decisions

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High Approval Rates

95%+ approval rate for deals that qualify, even with credit challenges

2

Fast Decisions

Same-day approvals available for time-sensitive transactions

3

Flexible Terms

Customizable repayment options and creative deal structuring

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Asset-Based Approval

Focus on property value and equity rather than just income and credit

Need Fast Approval?

When traditional lenders say no, we find a way. Fast approvals for unique scenarios.

Get Fast Approval TodayCall 604-593-1550