Lending
Commercial Lending
For acquisitions, repositioning, land and development, we are the dependable choice for term, bridge and mezzanine financing.
Residential Lending
Purchase, Refinance and Equity take out by way of Alternative financing on single family, multi family and condominiums.
Canada’s all-purpose mortgage lender
WHY BORROW FROM GENTAI
Pure focus
Decision-making speed
Tailored products across the risk spectrum
Broad lending appetite
Attractive features
Dependable deployment
Commercial Lending
Gentai Capital is an innovative debt solution provider for quality real estate developers and investors across Canada. We pride ourselves on creative structuring, effective underwriting, and dependable execution. Our deep understanding of the Canadian Real Estate market enables us to serve our clients with competitive terms and tailored loan structures. We strive to add value and build long-term relationships with valued developers, investors, and brokers.
as low as 5.5%
Rate
UP TO 80%
LTV
$1m to $40m
Loan Amount
typical 1 to 2 years
Term
COMMERCIAL MORTGAGE SOLUTIONS
Bridge Financing
Income-Producing Property Financing
Owner-Occupied Property Financing
Select Pre-Development Loans
Frequently asked questions
For commercial deals, please contact one of our commercial originators directly. Financing packages should be sent directly via email to our commercial originators.
While the timing to fund will vary from file to file, in certain situations, we can provide funding within 10 business days. However, in general, the full process could range anywhere from 4-8 weeks.
Most of our loans are in primary and secondary core markets in BC, AB and ON. Gentai will consider tertiary markets with a population of at least 50,000 or markets considered in close vicinity to a primary or secondary market.
Gentai is a private bridge lender, in that our loans are short-term (generally 1-2 years). We underwrite to a clear exit expected based on the ability of our clients to execute their business plans.
While deals are considered on a case-by-case basis, at Gentai, we underwrite to a primary exit, with the eventual sale of property being a secondary, or last resort exit only.
For all land valuation, we require a proforma/budget of the proposed development based on the “as of right” format and density allowed on the site based on the Official Plan to ensure there is adequate profitability in a project to support the value. We will not provide value for a site appraised on an “as approved” basis if there is entitlement risk involved to obtain these approvals.
Talk to us about your Commercial projects TODAY!
We Are An Innovative Debt Solution Provider. Commercial Loans are assessed on a case-by-case basis, call us today to discuss the best financing option for you.
ResidentiaL Lending
Gentai Capital provides customized alternative financing to real estate owners in British Columbia, Alberta, and Ontario.
Our sophisticated, service-oriented lending model enables us to fulfill borrowers’ different expectations: fast turnaround, flexible and customized solutions, common-sense underwriting approach that is not usually offered by conventional banks.
Interest only
Payment
1 year
Term
1-2%
Lender fee
$100,000- $5,000,000
Loan amount
up to 75%
LTV
1st & 2nd
Loan Position
None
GDS/TDS
620
Minimum Beacon