Canadian Lenders That Offer Business / Commercial Mortgages
(Small & Medium Business Friendly)
1. BDC – Business Development Bank of Canada
Why choose them: Flexible and very friendly to entrepreneurs.
What they offer: Commercial real estate loans for buying, building, or renovating.
Link: https://www.bdc.ca/en/financing/commercial-real-estate-loan
2. RBC – Royal Bank of Canada
Why choose them: Canada’s largest bank with strong business lending.
What they offer: Commercial mortgages for retail, industrial, office, and multi-residential.
Link: https://www.rbcroyalbank.com/business/loans/commercial-mortgage.html
3. TD Canada Trust
Why choose them: Flexible options for owner-occupied or investment business property.
What they offer: Business mortgages and multi-unit financing.
Link: https://www.td.com/ca/en/business-banking/small-business/credit/business-mortgage
4. CIBC
Why choose them: Experienced commercial lending team.
What they offer: Commercial mortgages (typically $1M+).
Link: https://www.cibc.com/en/commercial/business-solutions/commercial-mortgages.html
5. Scotiabank
Why choose them: Strong real estate banking team.
What they offer: Commercial mortgages, development financing, land loans.
Link: https://www.scotiabank.com/ca/en/commercial-banking/industries/real-estate.html
6. Credit Unions (Example: CUA)
Why choose them: More flexible than major banks.
What they offer: Up to 75% financing on commercial and multi-residential properties.
Link: https://www.cua.com/en/business/business-lending
7. Largo Capital
Why choose them: Ideal if banks say no or you need non-traditional financing.
What they offer: All types of commercial and development property financing.
Link: https://largocapital.com/canada/
8. Genesis Group (Broker)
Why choose them: Access to 100+ lenders for the best rates/terms.
What they offer: Commercial mortgages, private lending, construction loans.
Link: https://thegenesisgroup.ca/commercial-mortgages/
9. Invis Mortgage Brokers
Why choose them: Great when you want someone to shop offers for you.
What they offer: Commercial mortgages, bridge loans, development financing.
Link: https://www.invis.ca/en/mortgage-options/commercial/
10. IC Savings (Credit Union)
Why choose them: Community-focused lender with flexible terms.
What they offer: Commercial financing for industrial, retail, and multi-unit properties.
Link: https://www.icsavings.ca/business/borrowing/commercial-mortgages