A
GTA Real Estate Finance Team

Financing that
gets deals done.
Not lost.

Avantra is a full-service real estate finance team covering the Greater Toronto Area. Residential, commercial, business loans, legal counsel, and builder coordination — all under one roof. One team. Every layer of the deal.

🏠
Residential
🏢
Commercial
💼
Business Finance
⚖️
In-House Legal
Avg. Funding Timeline
3–5 business days
vs. 3–6 week industry average
Recent File
● Conditions Cleared
Self-employed · $820K purchase
Your Real Estate Finance Team
A team that stays in the deal until it's funded.
100+
Lending programs
3–5d
Avg. to close
GTA
BRP·MSS·NYK
0+
Lending programs across prime, alternative & private tiers
0%
Of collapsed real estate deals trace to financing failure (CREA 2023)
0%
Of Canadian mortgage applications declined by major banks (CMHC 2024)
0%
Of realtors have no dedicated commercial financing contact
Residential FinanceCommercial Real EstateCSBFL Business LoansBridge FinancingPrivate ProgramsIn-House LegalConstruction DrawsBuilder CoordinationLines of CreditPre-Construction Residential FinanceCommercial Real EstateCSBFL Business LoansBridge FinancingPrivate ProgramsIn-House LegalConstruction DrawsBuilder CoordinationLines of CreditPre-Construction
What We Do

Every layer of your
deal, handled.

Most finance teams hand you a pre-approval and disappear. Avantra covers the full transaction — financing, legal, conditions, and builder coordination — all in-house, on every file.

01
Residential Finance
Purchases, refinances, and renewals across prime, alternative, and private tiers. Every borrower profile — salaried, self-employed, investor, newcomer.
PurchasesRefinancesRenewals
02
Commercial Real Estate Finance
Multi-family 5+, mixed-use, retail, industrial. Full DSCR qualification, cap rate analysis, commercial appraisal coordination.
Multi-FamilyMixed-UseDSCR
03
CSBFL — Business Finance
Canada Small Business Financing Loans up to $1.15M. Government-backed — 85% federal guarantee. Real estate, equipment, leasehold. Most teams don't structure these. We do.
Up to $1.15M85% Fed. Guarantee
04
Bridge, Construction & Private Programs
Gap financing, construction draw loans, private equity and hard equity programs for time-sensitive or complex files.
BridgeConstructionPrivate
05
In-House Legal & Builder Coordination
Our lawyer is on every file. APS review, title, lien, builder contracts. Direct Ontario developer relationships for pre-construction and assignment deals.
APS ReviewTitlePre-Construction
One team. Every layer of your transaction — in-house.
Our Programs

100+ programs.
Every tier. Every file.

Avantra accesses lending programs across all three tiers of the Canadian market. When one door closes, we have relationships to open another — without starting over.

Prime Tier Programs
Charter Bank &
Institutional Programs
Access to Canada's largest financial institutions — insured, conventional, high-ratio, and portfolio programs at the most competitive rates available.
Major chartered bank programs
Monoline & trust company products
Credit union programs
CMHC-insured & high-ratio options
Alternative Programs
Alt-A & Specialist
Lending Programs
For self-employed borrowers, investors, newcomers, and clients with past credit challenges — programs built for real income, not just T4s.
Stated & self-declared income programs
Newcomer-to-Canada programs
Bruised credit & recovery programs
Investor rental add-back programs
Equity & Private Programs
Private Capital &
Hard Equity Solutions
Time-sensitive files and equity-rich situations where approval is based on the asset — MICs, private funds, bridge and gap capital.
Mortgage investment corps (MICs)
Private fund & syndicated programs
Hard equity & asset-based programs
Bridge & gap capital programs
Plus: CSBFL — Canada Small Business Financing Loans
Up to $1.15M · 85% federal guarantee · Real estate, equipment & leasehold eligible · Prime-based rate. Most finance teams don't structure these. Avantra does.
Why Avantra

Most teams disappear
after the commitment.

We're not a referral machine. We own every stage — financing, legal, conditions, and builder coordination — in-house. One number. One team. Deal funded.

⚖️
In-House Legal, Every File
APS, title, lien, builder contracts. Our lawyer is embedded — no referrals, no lag.
🏗️
Builder & Developer Relationships
Pre-construction, occupancy bridge, assignment financing, delayed closing coverage.
🏦
100+ Lending Programs
Prime, alternative, commercial, private. Every tier. No file without options.
💼
CSBFL — Most Don't Offer It
Up to $1.15M, government-backed. We structure and submit. Full stop.
Category
Typical Team
Avantra
Lawyer on file
Referred out
In-house
Post-commitment
On you
We own it
Commercial files
Not handled
Full DSCR
Builder coordination
No contact
Direct relationships
CSBFL
Usually not offered
Structured & submitted
Private programs
Limited
MICs, bridge, private
Avg. close timeline
3–6 weeks
3–5 business days
Solutions

Every financing solution.
In-house.

From a first purchase to a $5M commercial acquisition — Avantra structures and closes every type of real estate finance transaction, with legal counsel embedded on every file.

🏠
Residential
Residential Finance
Purchases, refinances, and renewals. Every borrower profile — salaried, self-employed, real estate investors, newcomers, bruised credit, stated income.
Prime, alternative & private programs
All income types & structures
CMHC-insured & conventional
🏢
Commercial
Commercial Real Estate
Multi-family (5+ units), mixed-use, retail, and industrial. Full DSCR qualification, cap rate analysis, commercial appraisal coordination.
Multi-family, retail, industrial
Full DSCR & cap rate underwriting
Commercial appraisal coordination
💼
Business Finance — Specialty
CSBFL — Canada Small Business Financing
Up to $1.15M. The federal government guarantees 85% of the lender's risk — significantly higher approval rates. Real estate, equipment, and leasehold improvements. Most teams don't offer this. Avantra does.
Up to $1.15M
85% federal guarantee on lender loss
Real estate · Equipment · Leasehold
🌉
Bridge & Closing
Bridge & Gap Financing
Gap loans covering land transfer tax, legal fees, deposit shortfalls, and closing adjustments. No deal should collapse over a $30K–$50K gap on closing day.
LTT, legal fees & deposit coverage
Closing adjustment financing
🔨
Construction
Construction & Renovation Draws
Progress-draw financing for new builds and major renovations. Draws coordinated with builder schedules and inspection-based release.
New builds & major renos
Inspection-based draw release
🔐
Private & Equity
Private Capital Programs
For equity-rich situations and time-sensitive files where conventional programs have closed. Asset-based approvals — MICs, private funds, hard equity, individual private capital.
Equity-based qualification
MICs, private funds, syndicated
⚖️
In-House Legal — Every File
Legal Counsel Embedded on Every Transaction
Our lawyer is a team member — not a referral. APS review, title searches, lien discharge, builder contract review (occupancy fees, assignment clauses, delayed closing penalties), and full conditions and closing coordination. No lag. No last-minute scrambles.
APS review & title searches
Lien discharge & builder contracts
Full closing coordination
🏗️
Builder & Developer
Pre-Construction & Developer Coordination
Direct working relationships with Ontario developers. Pre-construction purchase financing, assignment transaction financing, occupancy bridge financing, delayed closing cost-of-carry, and deposit protection.
Pre-construction & assignment
Occupancy bridge financing
Delayed closing coverage
Who We Help

Built for every file
the bank declines.

23% of Canadian mortgage applications are declined by major banks. Avantra exists for those files — and for the complex ones that never should have gone to a bank in the first place.

Self-Employed & Incorporated
The owner with no T4
NOA-based qualification, stated income programs, incorporated owner structures. We present your file to the right program.
Real Estate Investor
The portfolio builder
BRRR strategy, rental income add-backs, DSCR qualification, multi-property stress testing. We understand investor deal structures.
New to Canada
First Canadian home
Foreign income documentation, thin credit, newcomer-specific programs. We work with lenders who have built products for new Canadians.
💼
Profile 01
Self-Employed & Incorporated
No T4. NOA-based qualification, stated income, incorporated structures.
No T4Stated IncomeNOA-Based
📊
Profile 02
Real Estate Investors
BRRR, rental add-backs, DSCR, multi-property portfolio stress testing.
BRRRDSCRAdd-Backs
✈️
Profile 03
New to Canada
Foreign income, thin credit, newcomer-specific lending programs.
Foreign IncomeNewcomer
🔄
Profile 04
Bruised Credit
Resolved consumer proposals, past arrears, prior bankruptcy. Full picture assessment.
Consumer ProposalRecovery
🏢
Profile 05
Commercial Buyers
Mixed-use, multi-family, retail, industrial. Commercial programs most teams can't access.
Multi-FamilyCommercial
🏗️
Profile 06
Pre-Construction Buyers
Builder coordination, occupancy bridge, assignment financing.
Pre-ConAssignment
🏭
Profile 07
Business Owners (CSBFL)
Government-backed financing up to $1.15M. We structure the full application.
CSBFL$1.15M
🌐
Profile 08
Complex & HNW Files
Non-standard income, multiple properties, private solutions. No file out of scope.
HNWComplex
For Realtors

Your financing partner.
Not a referral.

Realtors who work with Avantra say yes to commercial files they currently deflect, have conditional dates that hold, and stop juggling multiple contacts for one deal. We replace the need for a separate mortgage resource, lawyer, builder contact, and commercial specialist.

38%
Deals that collapse over financing (CREA 2023)
3.4×
Future referrals lost per one collapsed deal
$60K+
Pipeline commission at risk per failed file
1 in 3
Ontario realtors have lost a repeat client to financing failure
Our Process

First call to
funded close.

Five clear steps. One team. No handoffs. Financing, legal, conditions, and closing — all handled in-house. Average 3–5 business days from commitment to funded.

How It Works

A process built to
close, not stall.

Most deals fall apart during the conditional period — not because of the deal, but because the team is siloed. Avantra eliminates that by owning every step.

1
Initial Consultation — 30 Minutes, No Commitment
We assess your income structure, property type, timeline, and goals. No forms, no pressure. You leave with an honest picture of what's achievable and through which program tier.
📞 Same-day scheduling
2
Document Collection — Precise, Not Excessive
A targeted checklist based on your specific profile — T4 or T1/NOA for self-employed, bank statements, CRA documents for CSBFL. Only what your file and target program actually need.
📋 24–48 hour turnaround
3
Program Matching & Submission
We match your file to the right program — not just the first approval. Prime, alternative, commercial, private, or CSBFL. The submission is packaged professionally. Complete files get funded faster.
🏦 100+ programs available
4
Commitment, Conditions & Legal — All In-House
Most finance teams hand over a commitment and disappear. We stay. Our in-house lawyer handles APS review, title searches, lien discharge, and builder contract review. Conditions tracked and cleared by our team.
⚖️ In-house legal on every file
5
Funded Close — Keys in Hand
Our lawyer coordinates directly with the lender and opposing legal to close the file. Average 3–5 business days from commitment — vs. 3–6 weeks when teams are siloed.
✓ 3–5 day avg. from commitment
Typical Team vs. Avantra
👤
Typical: Multiple Contacts
Finance person → Separate lawyer → Builder (unknown) → No commercial help
🏆
Avantra: One Team
Finance + Legal + Builder + Commercial — all in-house. One call covers everything.
Timeline Comparison
Industry average (siloed)
3–6 weeks
Avantra (in-house team)
3–5 days
Covered on every file
Financing
In-house legal
Conditions clearing
Builder coordination
Title & APS review
Closing coordination
Apply Now

Let's start
your file.

Complete this application and our team will reach out within one business day. No automated responses — a real person picks up every submission.

1
Your Info
2
Property
3
Income
4
Assets & Debts
5
Review
Personal Information
Tell us about yourself and what you're looking for.
Primary Applicant
Yes, adding a co-applicant
No, solo application
Application Type
Property Information
Tell us about the property and transaction details.
Property Details
Current Housing
Income & Employment
This is where we determine the right program for your profile.
Employment Type
T4 — Salaried / Hourly
Self-Employed / Incorporated
Commission / Variable
Retired / Pension
Primary Applicant — Income
Co-Applicant Income (if applicable)
Credit Profile
Assets & Liabilities
A complete picture helps us match you to the right program.
Assets
Liabilities & Monthly Obligations
Additional Context (optional — helps us prepare)
Review & Submit
Almost there — review your application before submitting.
What happens next?
01Our team reviews your application same business day.
02We call you — real person, no automated system — to confirm details and identify the best program.
03Targeted document checklist — only what your specific file actually needs.
04Submission, commitment, legal, and close — all handled in-house by our team.
Privacy: Information submitted is used solely to assess your financing needs and will not be shared with any third party without your explicit consent. Avantra operates in accordance with PIPEDA and applicable Ontario privacy legislation.

Application Received.

Our team will reach out within one business day — by phone first. You'll hear from a real person, not an automated system.

What we'll cover
Residential — prime, alternative & private programs
Commercial — multi-family, mixed-use, DSCR
CSBFL — up to $1.15M, government-backed
Bridge, construction & equity programs
In-house legal on every file
Builder & developer coordination
Why Avantra
One team — no handoffs, no referrals
3–5 day avg. from commitment to funded close
100+ lending programs across all tiers
Same-day response guaranteed
Real people. Same day.
No bots. No auto-replies. Every submission is reviewed by our team — same business day.