Business Owner Financing

Your Business Doesn’t Fit a T4 Box — Your Mortgage Shouldn’t Either

Write-offs and reinvested profit make a business look smaller on paper than it is in reality. Private equity-based financing looks past your tax return to your property and your real financial picture.

Get Your 24-Hour Approval Call 437-249-7139

4.95%*

Starting Private Rate

T4s Required

85%*

Max Loan-to-Value

24 HR*

Approval Turnaround

Quick Answer

Self-employed private mortgages allow business owners and independent contractors to qualify based on property equity rather than traditional T4 income verification. This suits entrepreneurs whose tax returns show reduced income due to legitimate business write-offs, even when actual cash flow supports a larger mortgage.

No T4s or Notices of Assessment required
Business write-offs don't work against you
Approval driven by property equity, not declared income
Works for sole proprietors, incorporated owners, and contractors

Built for Business Owners

Financing That Understands How Entrepreneurs Actually Get Paid

Banks want clean, predictable income. Business ownership rarely looks like that — and that's fine here.

Write-Offs Aren't Held Against You

Legitimate deductions that shrink your taxable income don't shrink your borrowing power in an equity-based review.

Sole Prop or Incorporated

Whether you pay yourself a salary, dividends, or reinvest most profit back into the business, we structure around your reality.

Minimal Documentation

Bank statements and a plain conversation about your business often replace the stack of paperwork banks require.

How It Works

Getting Approved Without the T4 Runaround

We build your file around your equity and your business, not a rigid income formula.

Tell Us About Your Business

A quick conversation about your business type, time in operation, and property equity.

Equity-First Assessment

We calculate what your property supports, independent of what your tax return declares.

Lender Match

Your file goes to private lenders comfortable with self-employed and business-owner scenarios.

Approval & Funding

Firm commitment typically within 24 hours, funding in 3 to 5 business days.

Eligibility

Who This Is Designed For

If your tax return understates your real financial position, this path is likely a better fit than a traditional bank application.

Self-employed, sole proprietor, incorporated owner, or commissioned contractor
Own Ontario property with meaningful equity
At least some evidence of business operation (bank statements, invoices, business registration)
Tax returns show reduced income due to write-offs, not necessarily hardship
No minimum credit score requirement

Run Your Own Numbers

Private Payment Estimator

See an estimated monthly payment on a stated-income or equity-based program built for self-employed income.

Sized for private & B-Lender scenarios — interest-only is the common structure.

Loan Amount

Annual Interest Rate (%)

Payment Type

Estimates are illustrative only and do not constitute a mortgage offer or commitment. Actual rates, terms, and figures depend on underwriting and confirmation from your lender.

FAQ

Self-Employed Financing FAQ

Answers for business owners exploring equity-based financing for the first time.

No. Because approval is based primarily on property equity, we can work with limited documentation, bank statements, or a straightforward conversation about your business instead of two full years of Notices of Assessment.

That's common for growing or reinvesting businesses and is not automatically disqualifying — the property's equity is the primary factor, not a single year's declared income.

Both. Self-employed private financing works for purchasing a property or pulling equity from one you already own.

Yes — many self-employed clients use private financing as a bridge while building a documented income history, then move to an A-lender or B-lender product once they qualify. Our How It Works page walks through that path.

It's workable — equity-based private financing doesn't require a minimum self-employment history the way bank underwriting does. A shorter track record is far less of an obstacle here than at a bank.

Get Business-Owner-Friendly Financing

Tell us about your business and property — no T4s needed to get started.

Full Name *

Phone Number *

Email Address *

Service Needed *

Brief Loan Description & Property Location