Blogue Solid Capital

Analyses, actualités et expertise sur le financement d’entreprise, les prêts hypothécaires privés et les tendances du crédit au Canada.

Private Mortgage Fees in Canada: What You Actually Pay in 2026

Lender fees, broker fees, legal costs and the net advance: a plain language breakdown of what a private mortgage really costs in Canada, plus the three numbers to get in writing before you sign.

James Bennett10 août 2026

Commercial Mortgage in Canada: How Private Lenders Decide (2026)

What Canadian lenders actually check on a commercial mortgage file in 2026, from debt service coverage and loan to value to the documents that speed up a decision.

James Bennett9 août 2026

Behind on Mortgage Payments in Canada: How to Stop It (2026)

What actually happens after you fall behind on a Canadian mortgage: the lender's timeline, how power of sale and foreclosure differ by province, and the five exits that clear arrears before a sale.

James Bennett8 août 2026

Mortgage After a Consumer Proposal in Canada: 2026 Guide

A consumer proposal does not close the door on a mortgage in Canada. Here is what each tier of lender needs, and how paying out early moves your credit bureau clock forward.

James Bennett7 août 2026

How Much Equity You Need for a Private Mortgage in Canada (2026)

Private lenders decide on equity before anything else. Here is the loan to value band most of them work within, how to calculate yours in three numbers, and what to do if you come up short.

James Bennett6 août 2026

Your Bank Said No: Here's What Actually Happens Next in Canada

A bank decline isn't the end of the road. Here's what actually happens after your application gets rejected, and the real options Canadian business owners have next.

James Bennett5 août 2026

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 Bennett4 août 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 Bennett3 août 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 Bennett2 août 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 Bennett1 août 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 Bennett31 juillet 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 Bennett30 juillet 2026

Conçu au Canada, par des Canadiens, pour des Canadiens

Le prêteur alternatif canadien

Financement d’entreprise

Prêts hypothécaires privés

Entreprise

Politique de confidentialité Conditions d’utilisation