Capitis offers equity-based financing for Canadians who need a lender that makes decisions based on logic—not credit scores.
In most cases, we can provide a response in under 24 hours.
We specialize in working with people who have real equity and real-world scenarios—but don’t fit the banks’ narrow mold.
Facing tight timelines or life transitions
Funding flips, acquisitions, or renovations
With active projects and delayed draws
Needing solutions for clients
Needing to access capital from their property
Earning well but can’t prove it the way banks want
We don’t rely on credit scores alone. We use a practical, real-world approach based on five key factors:
Do you own a property with value we can secure the loan against? If you have enough equity, that’s a strong starting point.
How will you pay the loan back—through a refinance, property sale, or something else? We want to understand your exit strategy.
Have you shown financial responsibility—even if your credit report isn’t perfect? One late phone bill won’t define you here.
When do you need the funds? We’re built for speed and can often fund within 24 hours if everything checks out.
Are you contributing your own money or equity into the deal? We value borrowers who have something at stake—it shows you’re serious.
We provide short-term, asset-secured loans for borrowers — whether for consolidating debt, bridging a purchase, or funding a project the banks won’t touch.
Reclaim your cash flow and eliminate high-interest loans.
Fund your next value-add opportunity.
Secure your next move before your sale closes.
Get access to short-term capital while building.
Settle fairly and quickly during a separation or divorce.
Have a unique situation? If it’s backed by real estate, we’re open to it.
If you’ve been declined by a traditional lender—or simply can’t wait weeks for approval—you might be a strong candidate for a private loan through Capitis.
Three simple steps from application to funding.
1
Tell us your story.
Once we receive your online application form, we will be in touch with you within 24 hours. We answer any questions you have and provide a clear list of required documents to begin.
2
Typically within 24 hours.
Once your application is approved, we match your deal with lenders in our network, typically within 24 hours. Capitis drafts the commitment agreement and mortgage documentation, coordinating all steps for closing.
3
Funds are transferred.
On the agreed closing date, funds are transferred directly to you, and the loan is officially complete. It’s that simple!
It depends on the equity available in your property. We typically lend up to 75–80% of the home’s appraised value (less existing mortgages).
Not necessarily. We look at the full picture, including your equity, repayment strategy, and character. Many of our clients have been declined by banks due to credit issues, but still qualify with us.
We lend on residential and commercial real estate anywhere in Canada, including houses, condos, cottages, land, and investment properties.
Many loans are funded in under 48 hours—depending on your file and how quickly we receive required documents.
All fees and terms are disclosed upfront. Rates are higher than banks—but so is our flexibility. You’ll know everything before you commit.
No. We never charge upfront fees just to apply. If your loan is approved, you’ll see all fees clearly outlined in your term sheet—no surprises.
Yes, most of our loans allow early repayment with little to no penalty. We’ll go over all terms with you before anything is signed.
Yes. We often place second mortgages or work alongside your existing lender. As long as there’s enough equity, we can likely help.
All loans are secured against real estate you already own—residential, commercial, or land. The more equity you have, the stronger your file.
We’ll tell you honestly—and offer next steps. We may refer you to a partner or help you get closer to qualifying.