Commercial Debt, Construction Facilities & CMHC MLI Select.
Multi-million dollar debt structuring engineered for land acquisition, infill development, mid-rise construction, and multi-family commercial assets across Ontario. Up to 95% LTV and 50-year amortizations backed by institutional syndicate desks.
Institutional Tier-1 Underwriting & Direct Private Liquidity
York Region, Simcoe County & Greater Toronto Area Infill
$3,000,000 to $65,000,000+ Tranches
The Commercial Capital Stack Matrix
Structured facilities tailored specifically to reduce sponsor equity requirements while shielding construction schedules from capital bottlenecks.
Ground-Up Construction Facilities
Progress-draw construction financing structured for low-rise subdivisions, custom architectural portfolios, and mid-rise infill developments across the GTA and York Region.
CMHC MLI Select Multi-Family
The premier federal multi-unit residential construction and term program utilizing point-scoring criteria to unlock unprecedented loan-to-value ratios and multi-decade amortization.
Land Acquisition & Servicing Debt
Strategic bridge capital and servicing facilities engineered for unzoned parcels, draft-plan approved sites, and industrial intensification zones throughout southern Ontario.
Retail, Industrial & Office Term Loans
Long-term stabilized debt solutions for commercial plazas, industrial warehousing condos, logistics facilities, and medical professional suites with established tenant rolls.
CMHC MLI Select Points & Leverage Matrix
Adjust your project's commitments below across Energy Efficiency, Affordability, and Accessibility to calculate eligibility thresholds for maximum federal leverage.
Direct institutional review via 8Twelve Commercial Syndicate desk.
Why general contracting fluency is non-negotiable for commercial lenders.
Conventional mortgage brokers look at numbers on a spreadsheet; commercial construction lenders scrutinize cost-to-complete exposure, trade contracts, and municipal release conditions. When gaps emerge between your Quantity Surveyor (QS) and your lender’s credit committee, deals stall.
Because 101GROUP operates an active general contracting division alongside licensed real estate trading and institutional mortgage origination, Shan speaks the exact technical language required to defend your budget, validate your pro-forma, and ensure rapid progress-draw releases.
Pre-vetting progress claims against work-in-place benchmarks to prevent holdback disputes.
Live construction cost metrics accurately reflected in your debt service coverage ratios.
Seamless off-ramps from construction debt into CMHC insured long-term takeout bonds.
Developer & Sponsor Financing Intake Dossier
Submit your project coordinates for initial feasibility underwriting. Files are reviewed directly by the 101GROUP commercial capital team within 24 business hours.
Frequently Asked Commercial Debt Inquiries
To qualify under CMHC MLI Select, the property must be a residential multi-unit rental property containing at least 5 units. Sponsors must achieve a minimum of 50 points across three core social outcomes: Affordability, Energy Efficiency, and Accessibility.
At 50 points (Tier 1), the loan qualifies for up to 85% LTV and a 40-year amortization. At 70 points (Tier 2), LTV expands to 90% with up to 45-year amortization. At 100 points (Tier 3), sponsors achieve up to 95% LTV and maximum 50-year amortizations with a 30% reduction in insurance premium fees.
Commercial construction facilities operate on progress draws managed through a certified third-party Quantity Surveyor (QS) appointed by the institutional lender. As each phase of construction concludes, the QS inspects the job site to confirm cost-to-complete metrics and work-in-place compliance.
Because 101GROUP operates a licensed General Contracting division, we audit and reconcile trade invoices, statutory declarations, and sub-trade holdbacks before the QS arrives on site. This proactive audit protocol typically compresses disbursement turnarounds from 20 business days down to 5 to 7 business days.
For conventional uninsurable commercial properties (industrial buildings, retail strip plazas, medical complexes), institutional Canadian lenders generally demand a DSCR between 1.25x and 1.35x based on net operating income (NOI), alongside debt yields ranging between 8.0% and 9.5%.
Conversely, under the CMHC MLI Select multi-family program, the minimum DSCR is reduced down to 1.10x for residential units, allowing sponsors to carry substantially higher leverage while maintaining compliance with institutional stress-test parameters.
Yes. We structure land acquisition debt through Tier-1 alternative trusts and private debt syndicates that finance unzoned acreage up to 50%–60% LTV, and draft-plan approved or site-servicing land up to 70%–75% LTV.
These bridge facilities are structured with capitalized interest tranches to protect developer cash reserves throughout the entitlement and municipal rezoning lifecycle.