When a bank declines your file — credit history, unconventional or unverifiable income, or a timeline too tight for standard underwriting — a private mortgage against your commercial property, in first or second position, can still get your deal funded.
How It Works
Your private 1st & 2nd mortgages journey, simplified
01
Apply online
Tell us about your business and your financing needs — takes about 3 minutes.
02
Team review
A commercial financing specialist reviews your file and explores your options.
03
Options & match
We match you with the best lenders and structures for your exact situation.
04
Approval & next steps
Get approved and move forward with confidence, guided the whole way.
What You'll Need
Documents to have ready
Exact requirements vary by lender and file — your commercial specialist will confirm the full list once we know your situation.
Common Questions
Private 1st & 2nd Mortgages FAQ
What's the difference between a private 1st and 2nd mortgage on a commercial property?
A private 1st mortgage is the primary loan registered against the property. A private 2nd mortgage sits behind an existing 1st mortgage (bank or private) without disturbing its rate or term — commonly used to access equity for expansion, debt consolidation, or a short-term cash need.
When does private commercial financing make sense?
When traditional lenders decline your file — due to credit history, unconventional or unverifiable business income, or a timeline too tight for standard underwriting.
Are private commercial mortgage rates much higher?
Yes, typically higher than bank rates, reflecting the higher risk and faster, more flexible underwriting. We'll walk through exact numbers for your file.
What do private lenders look at instead of business financials?
Primarily the property's equity and loan-to-value ratio — private lending is asset-based first, business-financials-based second.
General information only — your specific numbers depend on your file. A commercial financing specialist will confirm exact details for your situation.
Get Started
Request commercial financing
Welcome
Let's scope out your financing
A few quick questions about your business and the property, then a commercial financing specialist will follow up personally — no obligation.
Equity Mortgage Solutions is not a bank — rates, terms, and lender fit vary by file. Submitting this form is not a guarantee of approval or financing.
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