RMA, Real Mortgage AssociatesFSRA LIC. #10464RICK SEKHON · MORTGAGE BROKER
For Business Owners & Investors

Commercial financing, structured to close.

“My business is solid, I need financing that sees that.”

Office, retail, industrial and multi-unit residential, purchase, refinance and construction financing for business owners and investors across Ontario.

FSRA licensed · 70+ banks & lenders · 25+ years experience

Property types

What we finance

01

Multi-unit residential

Apartment buildings and mixed-use properties, including CMHC-insured multi-unit programs with preferred rates.

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02

Office & retail

Owner-occupied or investment, storefronts, plazas, professional suites and office condos.

03

Industrial

Warehouses, manufacturing and logistics space, purchase or refinance.

04

Land & construction

Acquisition and construction facilities with staged draws for builders and developers.

See yourself in one of these?A quick call maps out your options.
Why RMA

Commercial lending is a relationship game

01

The right lender first

Commercial deals die from being shopped to the wrong desks. Twenty-five years of relationships mean your file lands where it fits.

02

Structure over rate

Amortization, covenants, recourse, prepayment, we negotiate the terms that decide whether a deal actually works.

03

Full-file preparation

Rent rolls, financials, environmental and appraisal coordination, a complete package that lenders can approve quickly.

Questions

Frequently asked

What down payment does a commercial mortgage need?
Typically 25-35% depending on property type and covenant strength. CMHC-insured multi-unit residential can go as low as 15% down (85% loan-to-value).
How long does commercial financing take?
Plan for 30-60 days from complete application to funding, longer for construction or CMHC-insured files. Early preparation is everything.
Do you work with newly incorporated businesses?
Yes. Alternative lenders and vendor structures can bridge limited operating history, with a path to bank financing as the business matures.
Still have questions?Ask a licensed broker directly, it's free.
Related

Other ways we can help

For Homeowners at Term End

Renewal & Switch

That's how 1.15 million renewals go this year, signed, not shopped. However close your date is, there's room in that letter. See what yours isn't telling you.

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For Existing Homeowners

Mortgage Refinance

Unlock equity, consolidate high-interest debt, fund renovations or invest, without selling your home.

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For Property Owners

Second Mortgage

A second sits behind your first, the low rate stays exactly where it is, and can fund in days, not weeks. See when a second beats a refinance, and when it doesn't.

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Next step

Your next step starts with a conversation.

Free, confidential and no-obligation. Bring your questions, leave with a plan.