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 · 20+ 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.

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 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 Existing Homeowners

Mortgage Refinance

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

Learn more →
For Homeowners 55+

Reverse Mortgage

Tax-free access to home equity with no required monthly mortgage payments, for homeowners 55+.

Learn more →
For Property Owners

Second Mortgage

Tap home equity without disturbing your existing first mortgage or its rate.

Learn more →
Next step

Your next step starts with a conversation.

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