Commercial mortgages · Toronto & GTA
Financing for the buildings that move the GTA
Purchase financing, refinancing and renewals for warehouses, distribution centres, manufacturing facilities and flex industrial space, arranged through a licensed mortgage agent who works with a range of commercial and alternative lenders.
Text or call anytime 647-342-1355
Meshesha Robel, Mortgage Agent Level 2 (FSRA Mortgage Agent License #M15001135). Mortgage Alliance (FSRA Brokerage #10530).
What we finance
Industrial property, specifically
Industrial buildings are underwritten differently from offices, retail plazas or homes. Lenders care about functionality, tenancy and location in ways that are unique to the asset class. This practice focuses on that one asset class across Toronto and the GTA.
Warehouses
Storage and bulk warehouse buildings, single or multi-tenant.
Distribution centres
Logistics facilities where loading, truck courts and highway access drive value.
Manufacturing
Production and processing facilities, including owner-operated plants.
Flex industrial
Industrial space with office, showroom or lab components, plus industrial condos.
Financing scenarios
Two ways in. One clear process.
Purchase Financing
Buying a building for your own business or as an investment. Structure the financing before you firm up, including conditions, reports and lender selection.
- Owner-occupied acquisitions
- Leased investment acquisitions
- Industrial condo units
- Partial owner-occupancy
Refinancing & Renewal
A maturity is coming, or you want to restructure or access equity. Review the market before you sign the renewal letter.
- Maturity reviews
- Lender switches
- Equity take-out
- Bridge-to-conventional transitions
How lenders think
Four things every industrial lender looks at
Income coverage (DSCR)
Can the rent or your business cash flow comfortably carry the mortgage payments?
Value & loan-to-value
What an appraiser concludes the building is worth, and how much of that a lender will advance against.
Tenant & borrower strength
Lease terms, tenant covenant, and the experience and financial depth of the people behind the deal.
Building function
Clear height, loading, power, site coverage and environmental history, the specs that make it re-leasable.
Local focus
Grounded in GTA industrial submarkets
From Mississauga's airport corridor to Vaughan, Brampton, Milton and the older industrial pockets of Scarborough, location shapes how lenders view a building's re-leasing prospects. Understand the qualitative factors lenders consider in each area.
GTA industrial marketsConsultation
Talk through your industrial financing file
Share the property, the timeline and what you're trying to achieve. You'll get a straightforward conversation about how lenders are likely to look at it and what to prepare.