Types of Loans Offered

We specialize in loans on Commercial Real Estate: pre-development land, multi-family residential development, retail, office, industrial, multi-tenant income producing properties and construction projects.

Loan Parameters & Features

  • Minimum loan size of $2,000,000
  • Property located in Greater Golden Horseshoe Area
  • Loan-To-Value of up to 75%
  • Pre-zoned or Not
  • Interest Only
  • Fixed or Floating Rate
  • Terms up to 36 months
  • Interest and Soft Costs Reserve
  • Quick and easy draw processing

Acquisition of land or income property

Refinancing with equity repatriation

Pre-development costs (LCs, development charges)

Servicing and Construction financing

Capital expenditure financing

Vector’s primary focus is financing land for redevelopment projects. After decades in the industry, we offer a thorough knowledge of the planning process, and we’re comfortable financing the land prior to the necessary zoning approvals. While the majority of our land financing is arranged for a residential development, we also have the capability to finance land for commercial, retail and industrial development and acquisition purposes.

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All that stands between you and a finished project is cash flow, and with Vector as your partner, you’ll have the financing you need with the backing of an industry veteran that understands your unique situation. We typically provide short-term loans (usually 12-18 months) that act as a bridge so you can either get through the planning process and begin construction, or sell your project to realize the value that you’ve already added. However you choose to take advantage of this investment opportunity, Vector Financial is ready to provide you with the liquidity to move forward.

Do you need financing for a low-density development site? Vector Financial also offers letters of credit and funding for development charges to move your project into the construction phase.

Do you already have an income-producing property, but you need renovation financing to get it back into a condition that improves your earning ability? Vector Financial is also happy to consider loans to help you stabilize your earning potential and make that property competitive again.

Mortgage Brokers Welcome

Vector has arranged and manages a diverse portfolio of mortgages. Long-term relationships with mortgage brokerages and individual mortgage brokers and agents has fuelled much of our growth and created success of our borrower clients.

Commercial mortgage brokers are a critical component of Vector’s business origination process. Mortgage brokerage fees are fully disclosed in all transactional documents to help avoid any misunderstandings with borrowers. Mortgage brokers can be confident that their service fees are protected throughout the process.

With more than 50 years in business, we have a proven track record of lending performance and creativity, and we offer timely and flexible financing solutions to the Ontario mortgage brokerage community.

At Vector Financial, we handle all aspects of mortgage financing from loan origination and due diligence, to funding, administration, and repayment. Our hands-on approach ensures that each loan is tailor-made to the borrower’s objectives and that brokers always have quick access to the information they seek on behalf of their clients.

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