Private Lending in Calgary
Fast, flexible private mortgage financing for Calgary real estate investors, developers, and business owners — when the deal can't wait for a bank.
24–48 HrApprovals
$50K–$5M+Loan Range
5–7 DaysTo Close
Fast, flexible private mortgage financing for Calgary real estate investors, developers, and business owners — when the deal can't wait for a bank.
Calgary's real estate market moves quickly — competitive acquisitions, infill development, and value-add plays don't wait six weeks for a bank committee. Stratfor Capital is an Alberta-based private lender providing first and second mortgages secured by Calgary real estate. We underwrite on the property and your exit strategy, not just your credit score, which means a strong deal with real equity can be funded in days.
Whether you're bridging a buy/sell gap, funding an infill build, or refinancing a commercial property, you deal directly with your lender from first call to funding — no loan committees, no call centers.
Short-term capital to close your next Calgary purchase before your current property sells, or to secure a time-sensitive deal a bank can't fund in time. Rates 8–14%.
Draw-based financing for infill builds, renovations, and value-add projects across Calgary, Airdrie, Cochrane, Chestermere, and Okotoks. Rates 10–16%.
Income properties, multi-family, land, and mixed-use across the Calgary region. Project-dependent terms up to $5M+.
| Parameter | Details |
|---|---|
| Loan Amounts | $50,000 – $5,000,000+ |
| Loan-to-Value | Up to 75% (case-by-case) |
| Term | 6 to 24 months (renewals available) |
| Interest Rates | 8% – 16% (project-dependent) |
| Security | 1st or 2nd mortgage on Alberta real estate |
| Property Types | Residential, commercial, multi-family, land, mixed-use |
| Service Area | Calgary, Airdrie, Cochrane, Chestermere, Okotoks & area |
| Closing | 5 to 7 business days |
We issue term sheets within 24–48 hours of reviewing your deal, and funds are typically disbursed through legal counsel within 5–7 business days.
Our rates range from 8% to 16% depending on the property, loan-to-value, position (1st or 2nd mortgage), and exit strategy. Bridge loans typically run 8–14%; construction loans 10–16%.
Yes. We underwrite primarily on the property's equity and your exit plan. Credit history and income documentation matter less than they do at a bank.
Buy/sell bridge gaps, time-sensitive acquisitions, construction and renovation, equity take-outs, partner buyouts, refinancing a maturing loan, and real-estate-backed business cash flow.
Yes — we lend Alberta-wide, including Edmonton, Red Deer, Lethbridge, and smaller communities.