Solid Capital Blog

Insights, updates, and expert knowledge on business financing, private mortgages, and Canadian lending trends.

Business Loan Declined by Your Bank? Here's What Canadian Owners Do Next in 2026

A bank decline doesn't mean your business is unfundable. Here's what to check before you reapply, and which Canadian financing options look beyond your credit score.

James BennettAugust 4, 2026

Mortgage Renewal Denied in Canada: What to Do Next in 2026

A denied mortgage renewal is a deadline, not a verdict. What triggers a refusal in Canada, what happens at maturity, and the five realistic paths forward.

James BennettAugust 3, 2026

Canada Small Business Financing Program: What It Covers in 2026

A plain-language look at the CSBFP in 2026: the $1.15 million ceiling and the smaller caps hidden inside it, who qualifies, what it costs, and when an alternative lender is the better fit.

James BennettAugust 2, 2026

A Lender vs B Lender vs Private Lender in Canada (2026)

Canadian mortgage lending runs on three tiers. Here is how A lenders, B lenders and private lenders differ on qualifying, cost and speed, and how to plan your way back up.

James BennettAugust 1, 2026

Debt Service Ratio in Canada: GDS, TDS and How to Pass (2026)

Your debt service ratios, not your credit score, decide most Canadian mortgage approvals. Here is how GDS and TDS are calculated in 2026, the four leaks that sink applications, and what your options are if a bank says no.

James BennettJuly 31, 2026

Personal Guarantee for a Business Loan in Canada: 2026 Guide

Personal guarantees reach past your corporation and into your personal assets. Here is what Canadian lenders actually ask for in 2026, what the CSBFP regulations really allow, and the five points worth negotiating before you sign.

James BennettJuly 30, 2026

Merchant Cash Advance Stacking in Canada: How to Get Out (2026)

Carrying more than one merchant cash advance at a time is the fastest route from tight cash flow to a missed payroll. Here is how stacks form and how to get out of one.

James BennettJuly 29, 2026

CRA Tax Debt in Canada: How to Finance a Payoff in 2026

The CRA charges 7% on overdue tax, compounded daily. Here are the two ways Canadians finance a payoff, what lenders need before they fund, and when a payment arrangement is the better call.

James BennettJuly 28, 2026

How Land Loans Work in Canada: Financing Raw Land in 2026

Banks rarely lend on bare land. Here is how land loans work in Canada, what lenders check on a parcel, and what down payment to plan for on raw, serviced, or development land.

James BennettJuly 27, 2026

Equipment Financing in Canada: How to Qualify in 2026

Equipment financing lets Canadian businesses buy machinery, trucks, and tools using the asset itself as security. Here is how approvals actually work and what to prepare before you apply.

James BennettJuly 26, 2026

Canada's 35% Interest Rate Cap and Business Loans in 2026

Canada's criminal interest rate fell to 35% APR in 2025, but commercial borrowers sit under a separate set of limits. A plain language guide to which cap applies to your business loan, what counts as interest, and how to read an offer before you sign.

James BennettJuly 25, 2026

What Your Business Bank Statements Tell a Canadian Lender (And What to Fix Before You Apply)

A practical guide for Canadian business owners on how to prepare bank statements for a loan application, covering what lenders look at and how to avoid common delays.

James BennettJuly 24, 2026

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