BROKERS
Private Lending Solutions
At Lions Den Capital, we specialize in providing fast and efficient capital solutions for your clients.
We prioritize equity and the borrower's ability to service and repay the loan, rather than fitting clients into rigid criteria.
Working with Brokers
We value our broker relationships and strive to provide:
Timely Decisions: Quick turnaround times for approvals and funding.
Transparent Process: Clear communication and support throughout the financing process.
Competitive Terms: Flexible terms and competitive rates to meet your clients' needs effectively.
Highlights include:
Mortgage Options
First, Second, and Third Mortgages: Tailored mortgage solutions to meet diverse client needs.
Blanket and Wrap Mortgages: Flexible financing options for multiple properties under one loan.
Flexible Financing Solutions:
Customized Rate and Fee Combinations: Personalized options to suit individual financial situations.
Interest-Only Payments: Flexible payment structures to align with clients' cash flow needs.
No Payments: Can structure deals with no payments if necessary.
Client-Focused Approach:
Business for Self (BFS), Challenged Credit, and Low Doc Loans: Solutions for clients with non-traditional income sources or credit challenges.
Flexible Requirements: Adaptive criteria for income, debt servicing and credit scores, ensuring inclusivity.
Your Multi-Provincial Lending Partner
Licensed in AB, SK, & BC: Authorized to provide private lending solutions across Alberta, Saskatchewan, and British Columbia.
Why Partner with Lions Den Capital?
Flexible Approvals
We assess each client individually, considering their unique circumstances and the story behind their financing needs.
Equity Focus
Our solutions are designed around the equity available in the property, ensuring a straightforward and efficient lending process.
No "Box" Approach
Unlike traditional lenders, we don't restrict clients to predefined categories. If your client has a compelling, financial distress story, (or financial burden) we're eager to hear it and find a solution.
We collaborate with licensed brokers to facilitate connections between brokers and private mortgage capital. Loans are arranged and documented through licensed brokerages.
Private Lending Solutions for Brokers
We Provide Solutions for:
First, Second and Third Mortgages
Tailored mortgage options to meet varying client needs, whether for purchasing, refinancing or debt consolidation.
Equity Take Out
Assess the equity in clients' properties for investments, renovations or other financial needs.
Debt Consolidation
Help clients consolidate high-interest debts into a single, manageable payment to improve cash flow and financial stability.
Bridge Financing
Provide short-term financing solutions to bridge the gap between buying a new property and selling an existing one.
Construction Financing
Support clients with financing for new construction or renovation projects with flexible terms and competitive rates.
Business for Self (BFS) Mortgages
Offer solutions for self-employed clients with non-traditional income sources, who may struggle to qualify with traditional lenders.
Challenged Credit Mortgages
Assist clients with credit challenges in securing mortgage financing with lenient credit score requirements.
Low Documentation Loans
Provide financing options with minimal documentation requirements, ideal for clients who may not have extensive paperwork available.
Interest-Only Payments
Offer flexibility with interest-only payment options for clients seeking lower initial monthly payments or managing cash flow effectively.
Short-Term Mortgage Options
Provide one or two-year term options for clients looking for flexibility and the ability to reassess their financial strategy in the near term.
Frequently Asked Questions
How do I submit a deal?
Submit through Filogix, Velocity, or Lendesk, or email the file directly to [email protected]. Whichever route you use, the file lands in the same queue.
How fast will I hear back?
Within minutes, not hours. That first response tells you yes, no, or maybe. Once the full package is in, we aim to come back with a commitment as soon as possible.
What does a deal need to look like for you to say yes?
Property in Alberta, British Columbia, or Saskatchewan. Loan between $50,000 and $4 million. Loan to value at or under 75 percent, and we will look at higher case by case where the collateral is strong. A named exit, whether that is a sale, a refinance to an A lender, or construction completion. We prioritise equity, location, loan to value, and the exit over rigid borrower criteria, and we review all borrower types including self-employed and bruised credit.
What positions do you take?
First, second, and third mortgages. Firsts and seconds make up the bulk of what we fund. Thirds are rare, but send it over and we will look.
Do you handle commercial and land deals?
Yes. Commercial up to $4 million, including multifamily, retail, office, light industrial, and mixed use. Land and development including serviced lots, infill projects, construction draws, and short term bridge for developers. Land and construction pricing runs higher than residential in the same position, and we need a clear exit.
What do you need from me to firm up a quote?
The application, an appraisal, the borrower's credit and income confirmation, and the exit strategy in writing. On seconds and thirds we also need the first position balance, lender, and due date. If you do not have an appraisal yet, send property photos and we will work with that for an initial review.
What happens after I submit?
Most files are reviewed the same day, often within a few hours. If we are proceeding, our deal manager takes over the file, chases any missing documents, and coordinates with the lawyers through to funding. You always know where your file stands.
What if my deal is outside your box?
We refer it. If a file is outside our geography, below our floor, above our commercial ceiling, or otherwise not our wheelhouse, we point you to a partner who handles that type of deal well. You get value from sending us a file either way, and we would rather keep the relationship than hand you a rejection.
Do you go around me to my client?
No. The broker stays the broker. We do not contact your client directly, and we do not solicit your client after the deal closes. For renewals, we always come back to you.