We're Not a Bank.
That's the Point.

A second mortgage from Solid Capital lets you borrow against the equity in your home — even if your current lender won't refinance you or you don't want to break your existing mortgage and pay penalties.

Our Mission

To make capital accessible, transparent, and fast for every Canadian business and homeowner regardless of credit history or financial background.

CategorySolid CapitalTraditional Banks
Approval TimeAs fast as 24 hoursApproval Time
Credit RequirementsAll credit consideredCredit Requirements
Approval Rate89% in 2025Approval Rate
DocumentationMinimalDocumentation
FlexibilityTailored to your situationFlexibility
Human ContactDedicated Canadian advisorHuman Contact
Self-EmployedFull acceptanceSelf-Employed
Challenged CreditYes — equity & revenue focusedChallenged Credit
Speed of Mortgage5–10 business daysSpeed of Mortgage
TransparencyFull disclosure before signingTransparency
Our Values

To make capital accessible, transparent, and fast for every Canadian business and homeowner regardless of credit history or financial background.

Speed
Faster than bank approval process
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LTV
Up to 80% (including existing mortgage balance)
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Rates
Starting at 6.99%
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Credit Policy
Challenged credit considered equity is primary factor, Terms: Interest-only available
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Access Method
Revolving credit line
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Time Funding
Funding as fast as 24 hours
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Owned
100% Canadian-owned and operated
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Our Team

To make capital accessible, transparent, and fast for every Canadian business and homeowner regardless of credit history or financial background.

01

89% of applications approved in 2025

02

$5,000 – $5,000,000 in business funding deployed

03

Private mortgage solutions with LTV up to 85%

04

Funding as fast as 24 hours

05

2,500+ Canadians funded and growing

06

100% Canadian-owned and operated

Ready to Get Funded

Don't let cash flow slow your business down. Apply in 5 minutes. Get approved. Get funded.

No obligation. No impact to your credit score to apply.

2026 Solid Capital Group — All rights reserved.