Development lands, land banking, and land assembly capital from $5M to over $100M+. We place transactions through a deep national network of institutional lenders, private debt funds, and equity partners that actually understand pre-development risk.
$5M+
Minimum Deal Size
$100M+
Large-Scale Capacity
65%
Typical LTV
National
Lender Network
Why Borrowers Choose Us
Land is the hardest asset class to finance — no income, long timelines, and lender appetite that shifts by quarter. We've built relationships with the few groups that consistently underwrite it.
Direct access to Schedule I & II banks, MICs, pension-backed funds, family offices, and offshore capital sources actively allocating to Canadian land.
Whether you're closing a single infill assembly or syndicating a regional land bank, we can scale the capital stack to fit the parcel.
Active placements in the GTA, Golden Horseshoe, Ottawa, Montreal, Calgary, Edmonton, and the Lower Mainland — including secondary growth corridors.
From raw land in the path of growth to fully entitled blocks ready for servicing — we structure debt around the parcel's stage and the sponsor's timeline.
Acquisition and pre-development capital for entitled or near-entitled sites positioned for residential, mixed-use, or industrial build-out.
Long-horizon hold financing for strategically located parcels in the path of growth, including raw and partially zoned land.
Stacked acquisition facilities to consolidate adjacent parcels into a single developable footprint, including holdout buyouts.
Capital to carry land through rezoning, OPA, draft plan, and servicing agreements ahead of horizontal construction.
Our network gives us reach across every tier of the land market.
$5M – $15M
Mid-Market Parcels
Single-site land acquisitions, infill assemblies, and suburban holds.
$15M – $50M
Institutional Tier
Master-planned communities, multi-parcel assemblies, and urban infill blocks.
$50M – $100M+
Large-Scale Land
Regional land banks, employment-lands portfolios, and large mixed-use platforms.
| Schedule I & II Canadian banks (entitled land) |
| Mortgage Investment Corporations (MICs) |
| Private debt funds and pension-backed lenders |
| Family offices and high-net-worth syndicates |
| Offshore institutional capital |
| Mezzanine, preferred equity, and JV partners |
| Purchase agreement or current title |
| Zoning, OPA, and entitlement status memo |
| Survey, environmental (Phase I/II), geotech |
| Pro forma and exit strategy / development plan |
| Sponsor net worth, liquidity, and track record |
| Appraisal or recent comparable transactions |
From $5M infill assemblies to $100M+ regional land banks — get indicative terms structured around your parcel and your hold horizon.
The mandate in detail
Land placements range from $5M–$100M+. Published raw-land leverage is 50–60% LTV with 12–24 month bridge terms; fully entitled serviced sites typically show 60–70% LTV. These distinct ranges reflect approval and servicing status rather than a promised advance against every parcel.
Loan-to-value compares the advance with the accepted property valuation. Loan-to-cost compares financing with the eligible project budget. These measures are not interchangeable, and a total capital stack can include layers with different security, repayment priority and pricing. The published amounts and leverage parameters are a starting point for discussion, not an offer, approval or guarantee of funding. The final structure depends on the asset, sponsor resources, documentation and capital partner requirements.
We advise sponsors, developers, investors, owner-operators and referring mortgage brokers across Canada and the United States. Ontario markets include Toronto, Mississauga, Brampton, Oakville, Vaughan, Markham, Hamilton, Ottawa and the GTA. The site also covers British Columbia, Alberta and California, with US placements in US dollars through licensed capital partners. A market listing does not mean every lender finances every asset there: we curate the audience around the specific business plan.
Our team reviews inquiries within 24 hours. This response target is different from underwriting, commitment, closing, construction duration or loan maturity. Where a program does not publish a specific closing timetable, we establish it after reviewing the documents and outstanding conditions rather than applying another program’s fast-close estimate. Tell us the purchase deadline, existing maturity, permit status, required first advance and proposed exit so the financing sequence can reflect the real transaction.
The engagement follows a defined sequence from first review to funding. Each stage addresses the information required for the next decision, with terms remaining indicative until the capital partner completes its review.
Share the asset location, requested amount, ownership structure, use of funds and timing. We review the sponsor’s experience, liquidity and proposed repayment path alongside the property or operating business. Referring brokers can supply the existing financing summary and flag the reason a new structure is needed. This first read establishes the questions to resolve before the opportunity is presented.
We assemble the available budget, valuation support, rent roll or revenue information and relevant approvals. The review separates existing debt, sponsor equity and new capital, identifying where senior financing is sufficient and where mezzanine, preferred equity or a joint venture may be appropriate. Missing reports and assumptions are identified rather than treated as confirmed inputs in the financing presentation.
We tailor the presentation to the right audience among the site’s 700+ sources of financing and investment. Asset type, location, loan size, sponsor profile and execution needs guide the selection of banks, institutions, private funds, family offices or specialist partners. The objective is a relevant capital discussion, not an indiscriminate distribution of a confidential file to the whole market.
We assess the proposed rate, fees, leverage, reserves, guarantees, covenants and repayment flexibility together. We identify appraisal, environmental, engineering, legal and other conditions relevant to the asset, and coordinate the information needed by the capital partner. An indicative term sheet is a discussion tool: it is not an unconditional commitment, and final terms depend on the completed underwriting and documentation.
We coordinate with the capital partner and professional advisers through documentation and the initial advance. For construction, the focus includes draw conditions and cost-to-complete requirements; for transitional capital, it includes the planned repayment or permanent takeout. Equity arrangements require agreed governance and distribution terms. Closing is conditional on satisfied requirements, and the financing should remain aligned with the project’s next stage.
Frequently Asked Questions
What sponsors and brokers most often ask about pre-development capital.
