REAL LENDING.
REAL FAST.
Capitis offers equity-based financing for Canadians who need a lender that makes decisions based on logic—not credit scores. In most cases, we can fund your deal in under 24 hours.
WHO WE HELP
We specialize in working with people who have real equity and real-world scenarios—but don’t fit the banks’ narrow mold. We work with:
Homeowners
facing tight timelines or life transitions
Real estate investors
funding flips, acquisitions, or renovations
Builders and contractors
with active projects and delayed draws
Mortgage brokers and Realtors®
needing solutions for clients
Business owners
needing to access capital from their property
WHY BORROWERS CHOOSE CAPITIS
We don’t rely on credit scores alone. We use a practical, real-world approach based on five key factors:
Your equity: Do you own a property with value we can secure the loan against? If you have enough equity, that’s a strong starting point.
Your plan to repay: How will you pay the loan back—through a refinance, property sale, or something else? We want to understand your exit strategy.
Your character: Have you shown financial responsibility—even if your credit report isn’t perfect? One late phone bill won’t define you here.
Your timeline: When do you need the funds? We’re built for speed and can often fund within 24 hours if everything checks out.
Your commitment: Are you contributing your own money or equity into the deal? We value borrowers who have something at stake—it shows you're serious.
WHAT WE FINANCE
We provide short-term, asset-secured loans for borrowers - whether for consolidating debt, bridging a purchase, or funding a project the banks won’t touch.
Debt consolidation
Reclaim your cash flow and eliminate high-interest loans.
Down payments / Bridge financing
Secure your next move before your sale closes.
Flips & renovations
Fund your next value-add opportunity.
New construction
Get access to short-term capital while building.
Spousal buyouts
Settle fairly and quickly during a separation or divorce.
And more
Have a unique situation? If it’s backed by real estate, we’re open to it.
WHO QUALIFIES FOR PRIVATE LENDING?
If you’ve been declined by a traditional lender—or simply can’t wait weeks for approval—you might be a strong candidate for a private loan through Capitis.
Own property in Canada (residential or commercial)
Have enough equity to secure the loan
Can explain how you'll repay (refinance, sale, income, etc.)
Are transparent about your current financial situation
Have a real need and a clear timeline
Have some skin in the game
See if you qualify:
HOW IT WORKS
STILL HAVE QUESTIONS?
START HERE.
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Not necessarily. We look at the full picture, including your equity, repayment strategy, and character. Many of our clients have been declined by banks due to credit issues, but still qualify with us.
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No. We never charge upfront fees just to apply. If your loan is approved, you’ll see all fees clearly outlined in your term sheet—no surprises.
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Yes, most of our loans allow early repayment with little to no penalty. We’ll go over all terms with you before anything is signed.
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Yes. We often place second mortgages or work alongside your existing lender. As long as there’s enough equity, we can likely help.
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We’ll tell you honestly—and offer next steps. We may refer you to a partner or help you get closer to qualifying.
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It depends on the equity available in your property. We typically lend up to 75–80% of the home’s appraised value (less existing mortgages).
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We lend on residential and commercial real estate anywhere in Canada, including houses, condos, cottages, land, and investment properties.
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Many loans are funded in under 48 hours—depending on your file and how quickly we receive required documents.
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All fees and terms are disclosed upfront. Rates are higher than banks—but so is our flexibility. You’ll know everything before you commit.
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All loans are secured against real estate you already own—residential, commercial, or land. The more equity you have, the stronger your file.
LET’S SEE IF YOU QUALIFY
Fill out the quick form below—if your deal makes sense, we can often fund it in under 24 hours.
SECURE & CONFIDENTIAL.
Your information is private and never shared without your permission.