Solutions
-
Catalyst Private Credit > Solutions
Financing solutions for every stage of the transaction
Direct private lending for businesses and real estate investors across Western Canada.
01
Bridge Financing
Short-term capital to close acquisitions, refinance maturing debt or seize time-sensitive opportunities while longer-term financing is arranged.
02
Real Estate Lending
First and second mortgages on commercial, industrial, multi-family and mixed-use property where the bank cannot deliver the terms or the timeline.
03
Construction & Land Financing
Land acquisition, servicing and construction financing for experienced builders and developers, funded in draws against progress.
04
Asset-Based Lending
Revolving and term facilities secured by receivables, inventory and equipment for operating businesses that have outgrown or lost their bank line.
05
Equipment & Growth Capital
Term financing for equipment, expansion and acquisitions where the business case is strong but the bank wants another year of history.
06
Special Situations
Tailored capital for restructurings, partner buyouts, tax arrears, estate matters and other situations that fall outside a standard credit box.
What borrowers and brokers say about working with Catalyst
We had a firm deal and a lender that kept moving the goalposts. Catalyst reviewed the file on a Tuesday, issued a term sheet on Thursday and funded in nineteen days. The terms were exactly what they said they would be.
Emily Martin
Real estate developer
I send Catalyst the deals that need a real credit decision, not a form. They tell me quickly whether it fits, and when it does, they close. My clients have never been surprised at the lawyer's office.
Michael Smith
Mortgage broker
Our bank line was capped on last year's numbers while our orders doubled. The Catalyst facility grew with our receivables and let us take the work we had been turning away. Eighteen months later we were back at the bank with a line twice the size.
Brian Clark
Business owner
Construction draws were certified and released within days, every time. Interest was capitalized so the project was not bleeding cash during the build. It is the smoothest construction loan I have run.
Ashley Harris
Infill builder
Typical parameters for our three core facilities
Direct private lending for businesses and real estate investors across Western Canada.
Bridge Financing
- Terms from 6 to 24 months
- Interest-only structures
- First or second mortgage security
- Extension options included
- Term sheet within 48 hours
$500K
Typical loan size
Secured by real estate or business assets
Most Common
Real Estate Mortgage
- First and second mortgage positions
- Multi-family, industrial, retail and office
- Transitional assets welcome
- Interest-only or amortizing
- Independent appraisal on every loan
$1M
Typical loan size
Commercial and multi-family property
Asset-Based Facility
- Revolving line on receivables and inventory
- Term loan against equipment
- Monthly borrowing base reporting
- Availability grows with the business
- Practical, not punitive, monitoring
$1M
Typical facility size
Receivables, inventory and equipment
Decisions from our own credit committee
Transparent fees, no hidden conditions
Broker fees protected at funding
Have a transaction that needs certainty and speed? Talk to the Catalyst credit team about how we would structure it.
