MATHESON FINANCE
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Commercial

Here’s how your file
unfolds.

You're acquiring, developing, or refinancing a commercial asset. The file is real, the timeline is real, and you need a broker who can move at your pace. Here's exactly how we get you from first call to funded file.

Your roadmap

01

The Discovery Call

15 min call

We start with a straight conversation. What are you building or acquiring? What's your timeline? What's the file size? No forms, no box-ticking. In 15 minutes we'll know whether we're the right fit — and if we are, we'll tell you exactly what's possible.

02

File Assessment

24–48 hrs

Cameron reviews your full financial picture — not just the mortgage application. Income structure, corporate holdings, property details, existing debt. This is where the CPA background pays off. We see things other brokers miss, and we position your file accordingly.

03

File Structuring

We design the file before we take it to market. Loan-to-value, term, lender type, presentation strategy — all determined upfront so we're not shopping blind. You'll know the plan before a single lender sees your file.

04

Lender Submission

We take your packaged file to the lenders best positioned to approve it. Not all lenders — the right ones. Our relationships mean your file gets read by decision-makers, not intake clerks. We present it the way it needs to be presented.

05

Approval & Terms

You receive a commitment letter with full terms. We walk you through every condition, negotiate where there's room, and make sure you understand exactly what you're signing before anyone puts pen to paper.

06

Funded

Funded

Capital hits your account. File closes. You move forward. And you have a broker who knows your file inside out for whatever comes next.

What to bring

Gather these before we talk.

2 years personal tax returns (T1 General)
2 years corporate financials (if applicable)
Property details or purchase agreement
Existing mortgage statements
Business bank statements (3–6 months)
Photo ID

Don’t have everything yet? Bring what you have — we’ll work with it.

What to expect

Realistic timelines,
upfront.

No two commercial files move at the same speed.

Acquisition, development, or refinance — the timeline depends on lender due diligence, property type, and how the file is structured. Simple files move quickly; multi-phase developments take longer. We give you a specific, realistic estimate on the discovery call, not a generic range.

We give you a specific timeline estimate on the discovery call — not a range that covers every possible scenario.

Ready to move

Ready to structure the file?

15 minutes. No forms. Just a straight conversation about your file and what’s possible.

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