What is the minimum loan amount for commercial mortgages at MC Mortgage Solutions?

Our commercial real estate debt advisory handles loan facilities starting at $1,000,000 up to $50,000,000+ across Canadian prime schedule A banks, life insurance companies, credit unions, and private capital pools.

Which commercial asset classes can be financed in Ontario?

We arrange debt facilities for anchored retail plazas, mixed-use commercial/residential developments, office and medical complexes, multi-family properties (5+ units), industrial distribution centers, and ground-up construction projects.

How quickly can a commercial mortgage term sheet be issued?

Following review of rent rolls, property financials, and sponsor profiles, we typically issue preliminary loan terms and indications within 3 to 5 business days.

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Commercial Real Estate Solutions

Q: What Debt Service Coverage Ratio (DSCR) is required for Ontario commercial loans?

Most Canadian institutional lenders require a minimum DSCR of 1.20x to 1.30x based on stabilized Net Operating Income (NOI). We assist sponsors in modeling income statements to satisfy lender covenants.

Welcome to a world of opportunity with commercial real estate. Our focus is to help investors like you unlock the potential of income-generating properties. Whether you are just starting or expanding your multi-million dollar portfolio, commercial real estate delivers stability, cash flow, and generational wealth.

Superior Yields

Why Invest in Commercial Real Estate?

Unlike residential properties, commercial investments offer distinct structural advantages that make them the preferred vehicle for seasoned wealth builders.

Increased Cash Flow: Commercial properties generate significantly higher rental yields, offering stronger, more dependable cash flow.

Longer Leases: Commercial tenants typically sign 5, 10, or 15-year leases, drastically reducing turnover and vacancy risk.

Tenant Diversification: Multi-tenant assets insulate your bottom line from any single business vacancy.

Flexible Net Leases (NNN): Pass property taxes, insurance, and maintenance costs directly to tenants, preserving margins.

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Commercial high-rise financial district towers

Property Types

Commercial Real Estate Sectors We Specialize In

Investing in commercial real estate opens doors to a variety of asset classes, each offering unique debt structuring opportunities.

Retail Properties & Plazas

Prime investments in growing urban and suburban nodes. From standalone storefronts to anchored retail plazas, offering flexible leases and strong foot traffic.

Plazas • Strip Malls • NNN

Mixed-Use Developments

Combining ground-floor retail or office with upper-level residential apartments. Outstanding risk mitigation and dual income streams in metropolitan corridors.

Live/Work • Retail/Residential

Office & Medical Buildings

Suburban medical centers and city-center commercial hubs providing steady, long-term returns through established corporate and professional tenants.

Medical Suites • Corporate HQ

Flexible Financing

Tailored Commercial Lending Solutions

We understand that every investor’s needs are unique. We structure loan options that directly support your acquisition and value-add goals.

Competitive Interest Rates

Secure financing with favorable rates from Canadian schedule A banks, life insurance companies, and credit unions that align with your debt service coverage.

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Custom Loan Terms

Terms structured to fit your timeline: short-term bridge capital, construction facilities, mezzanine debt, or 25-30 year long-term take-out mortgages.

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High Loan Amounts ($1M+)

Access substantial institutional financing for large-scale development and stabilized portfolios, with loan amounts ranging from $1,000,000 up to $50,000,000+.

Direct Advisory

Connect With Our Commercial Lending Team

Submit your project details or loan scenario below. Our underwriting team will review your debt service parameters and provide term sheet indications.

Principal / Sponsor Name *

Company / Entity Name

Email Address *

Phone Number *

Property Asset Class

Estimated Loan Amount Needed

Project Details & Location

Commercial Lending Answers

Frequently Asked Questions About Commercial Mortgages

Key information on commercial debt structuring, underwriting criteria, and property classes across Ontario.

Our commercial financing desk handles transactions starting at $1,000,000 up to $50,000,000+. We connect borrowers to Canadian Schedule A banks, trust companies, pension funds, credit unions, and institutional private debt providers.

We finance anchored retail plazas, mixed-use buildings (commercial ground floor with residential above), medical suites, multi-family apartments (5+ units), industrial distribution centers, and land construction facilities.

Most Canadian commercial lenders require a minimum DSCR of 1.20x to 1.30x based on stabilized Net Operating Income (NOI). We assist sponsors in modeling income statements and rent rolls to optimize qualification.

Once we review current rent rolls, operating statements, and sponsor credentials, we provide preliminary loan term indications within 3 to 5 business days.