Full-stack commercial eal estate financing.
From senior mortgages and CMHC-insured construction to mezzanine, private capital and structured finance — engineered transaction by transaction.
Senior advisors. Institutional execution.
Meridian Capital Advisory arranges the full spectrum of commercial real estate debt and structured capital. Every mandate begins with an independent capital strategy: the right leverage, the right structure and the right lender universe for the asset and the sponsor.
We engage directly with credit committees on behalf of our clients, negotiate term sheets to institutional standards, and run a disciplined process from initial mandate to final advance of funds.
Our commercial financing capabilities.
Commercial Mortgages
Long-term senior debt for stabilized, income-producing commercial assets — placed with banks, credit unions, life insurance companies and institutional lenders.
- Competitive fixed and floating rates
- Recourse and non-recourse options
- Insured and conventional structures
- Terms up to 25 years
Ideal Clients: Investors, REITs, family offices and operating businesses with stabilized income-producing real estate.
Construction Financing
Senior and stretch senior construction facilities for ground-up developments, major redevelopments and conversions.
- Up to 85% loan-to-cost
- Draw management discipline
- Cost-to-complete underwriting
- Construction-to-permanent options
Ideal Clients:Developers building purpose-built rental, condominium, mixed-use, industrial and commercial product.
Bridge Loans
Short-term capital for acquisitions, repositioning, lease-up and time-sensitive close-outs where speed and flexibility are paramount.
- Fast underwriting and close
- Flexible exit strategy
- Interest-only structures
- Interest reserves available
Ideal Clients: Sponsors needing certainty of close and the runway to execute a defined value-add or stabilization plan.
Land Financing
Acquisition, servicing and pre-development financing on entitled and serviced land positions.
- Pre-development draws
- Land assembly facilities
- Servicing cost financing
- Bridge to construction
Ideal Clients: Developers building land inventory or carrying entitled positions through to construction start.
CMHC Financing
Insured multi-family financing under CMHC MLI Select, MLI standard and construction insurance programs.
- Maximum leverage (up to 95% LTC)
- Lowest cost of capital in market
- Amortization up to 50 years
- Insured construction-to-permanent
Ideal Clients: Developers and investors building or refinancing purpose-built rental and affordable housing.
Structured Finance
Layered debt and equity solutions including mezzanine, preferred equity and syndicated capital stacks.
- Capital stack engineering
- Co-lender syndication
- Mezzanine and preferred equity
- Cross-collateralized facilities
Ideal Clients: Sponsors of complex transactions or portfolios requiring multi-tranche capital solutions.
Private Lending
Discreet private capital from balance-sheet lenders and family offices for bespoke or story-credit scenarios.
- Speed to close
- Flexible covenants
- Story-credit appetite
- Confidential process
Ideal Clients: Sponsors needing private capital where conventional lenders cannot execute on timeline or structure.
Investment Property Financing
Acquisition, refinance and equity-release capital for single assets and portfolios across all commercial asset classes.
- Portfolio and single-asset facilities
- Cross-collateral options
- Equity take-out structures
- Refinance optimization
Ideal Clients: Active investors and portfolio owners optimizing leverage, capital cost and equity efficiency.
An advisor, not a broker.
We are engaged by sponsors who want senior, conflict-free capital advice — not transactional brokerage. Our advisors stay involved from mandate through funding and beyond, providing portfolio-level capital planning across the cycle.
- Senior advisor on every mandate, from first call to final advance
- Independent, conflict-free recommendation of capital structure
- Direct access to bank, insurance, credit union and private capital
- Disciplined process management to institutional standards
- Long-term relationship across acquisitions, refinances and developments
A capital universe built over decades.
Our advisors maintain active credit relationships across the institutional and alternative lending markets, giving clients a true cross-section of competing capital on every mandate.
Schedule A Banks
Major Canadian and U.S. chartered banks providing senior conventional and insured debt.
Insurance Companies
Life insurance and pension lenders for long-duration commercial mortgages.
Credit Unions
Regional credit unions offering competitive terms and relationship-based execution.
CMHC-Approved Lenders
Insured lender network for MLI Select, MLI Standard and construction insurance.
Institutional Funds
Mortgage funds and institutional debt platforms for senior, stretch and mezzanine.
Private Lenders
Balance-sheet private capital for bridge, story-credit and time-sensitive deals.
Family Offices
Discreet single-family and multi-family office capital for bespoke scenarios.
Alternative Capital
Specialty debt funds, hospitality, hotel-flagged and structured capital providers.
What transaction sizes do you typically arrange?
How long does a typical financing take to close?
Do you work outside Canada?
Are you paid by the borrower or the lender?
Do you also handle equity?
Our core practice is debt and structured capital. We routinely place mezzanine and preferred equity as part of structured capital stacks, and we maintain relationships with institutional equity partners for select sponsor mandates.
What information do you need to begin?
An initial conversation typically requires a brief asset summary, sponsor background, and a high-level financing request. A formal underwriting requires the asset financials, rent roll, pro-forma and sponsor financial statements.