Commercial property financing
Put your business under its own roof.
For established owners buying or refinancing the industrial, warehouse, retail, office, or mixed-use property their business occupies.
Purchase or refinanceOwner-occupied business real estate across Ontario.
Equity with a purposeA capital request connected to a clear business plan.
Property fit
Real estate that supports how the business works.
Industrial & warehouse
Operating space for production, distribution, storage, trades, and logistics.
Retail & showroom
Customer-facing property where the location supports how the business operates.
Office & professional
Owner-occupied premises for established professional and service businesses.
Mixed-use
Property combining commercial use with other occupancies that need separate review.
Illustrative image · Not staff, clients, or a testimonial
A different financing question
This is not residential self-employed qualification.
A residential self-employed mortgage asks how personal income supports a home. This journey asks how a commercial property, the operating business, the owners, and the capital request fit together.
Commercial property
Property use, occupancy, business performance, borrower strength, valuation, conditions, and use of funds are reviewed as one file.
Residential self-employed
The focus is qualifying an individual for a home mortgage when business income needs additional documentation or context.
Capital uses
The property can be part of the next business decision.
An equity release should be tied to a specific operating or ownership plan—not treated as unstructured cash.
- 01Expand into more operating space or a new location
- 02Purchase equipment tied to the next stage of the business
- 03Fund a partner buyout or ownership transition
- 04Support working capital with a defined business purpose
- 05Address a time-sensitive acquisition or business need
Available financing and permitted uses depend on the property, business, borrower, lender, valuation, and full underwriting review.
Commercial review path
Build the file before choosing the lender desk.
The first review organizes the property, business, borrower, and request. It does not promise pricing, proceeds, timing, or an approval outcome.
Property and occupancy
We clarify the property type, location, zoning, condition, current or planned business use, and any third-party occupancy.
Business and borrower
We review the operating company, ownership, financial history, cash flow, credit context, and the people supporting the request.
Request and capital plan
We connect the purchase, refinance, or equity release to a clear use of funds and a structure the business can support.
Lender lane and conditions
We identify an appropriate commercial lender path and prepare for valuation, environmental, legal, and other property-specific review.
Useful first documents
Bring what already exists.
A first conversation can begin before every report is complete. Existing documents help identify what the lender path may require next.
- Purchase agreement or current mortgage statement
- Recent business financial statements
- Property details and current occupancy
- Existing appraisal or environmental reports, if available
- Ownership and personal net worth information
- A concise use-of-funds and business plan
Start with the business decision
Tell us what the property needs to make possible.
We’ll organize the commercial financing question around the property, operating business, ownership, and purpose of funds.
Garrison Capital Corp., operating as Open Financial | FSRA Mortgage Brokerage Licence #13362
Principal Broker: Marcel Greaux, Lic. M10002478.