Office Buildings
From single-tenant suburban offices to multi-storey downtown towers. We finance acquisitions, refinances, and value-add repositioning projects for stabilized and transitional assets alike.
Loan sizes: $500K – $25M+
Commercial Lending
Commercial Mortgages
Built for Business.
Flexible, competitive commercial mortgage financing for office buildings, retail plazas, industrial properties, multi-family developments and more — tailored to your investment goals.
Office Buildings
Retail & Mixed-Use
Industrial
Multi-Family
Land Development
What We Offer
Strategic Capital for Commercial Real Estate
Commercial real estate financing demands more than a standard bank mortgage. It requires a lender who understands market cycles, asset values, borrower cash flow, and deal structure. At AJW Investment Group, we bring all of that to every transaction.
Whether you're acquiring your first income property, refinancing an existing portfolio, or financing a ground-up development, we structure solutions that align with your business strategy and timeline — not a rigid bank checklist.
With access to some of the most competitive commercial lending rates available in Ontario, combined with personal service and fast decisions, AJW Investment Group is the commercial mortgage partner that serious real estate investors rely on.
Financing Solutions
Commercial Property Types We Finance
We work across the full spectrum of commercial real estate asset classes, bringing sector-specific expertise to every deal.
Retail & Strip Plazas
Neighbourhood plazas, power centres, and standalone retail. We understand the nuances of anchor tenants, lease structures, and retail cap rates — and structure accordingly.
Owner-occupied & investment
Industrial Properties
Warehouses, distribution centres, light manufacturing facilities, and flex industrial. Industrial fundamentals remain strong across the GTA — and we're active in this sector.
GTA & Southern Ontario focus
Multi-Family & Mixed-Use
Apartment buildings, condominium developments, and mixed residential-commercial properties. Whether purpose-built rental or conversion, we structure financing to maximize your return.
5+ units to large portfolios
Hospitality & Special Purpose
Hotels, motels, self-storage, gas stations, and other special-purpose assets that mainstream lenders often avoid. Our flexible approach means fewer "no"s for non-standard deals.
Creative structures available
Land & Development
Raw land, serviced lots, and pre-construction financing for residential and commercial developers. Bridge loans and construction draws tailored to your project schedule.
Bridge & construction financing
Why AJW Investment Group
The Private Lender Advantage
Traditional banks apply a one-size-fits-all model to commercial lending. If your asset, borrower profile, or deal structure falls outside their rigid parameters, you get declined — regardless of merit.
AJW Investment Group operates differently. We evaluate every deal on its own fundamentals. Strong asset, credible sponsor, viable exit strategy — those are our criteria. We look at the deal, not just the credit score.
As a private commercial lender, we move faster, communicate directly, and close deals that institutional lenders pass on. Our clients come back to us because we deliver — not because they have no other option.
- ✓ Decisions in days, not weeks
- ✓ Common-sense underwriting
- ✓ Flexible terms and structures
- ✓ Direct access to decision-makers
- ✓ Competitive rates across all asset classes
How It Works
Our Commercial Lending Process
We've streamlined the process to minimize friction and maximize certainty — because in commercial real estate, speed and reliability matter.
01
Initial Consultation & Property Overview
Contact us with your property details, loan requirement, and timeline. We'll review the opportunity and provide preliminary feedback — usually within 24 hours. No lengthy applications upfront, just a real conversation about your deal.
02
Underwriting & Due Diligence
Our team evaluates the property value, income, occupancy, lease terms, and borrower financial position. We conduct our own thorough analysis using current market data. For most deals, this takes 5–10 business days.
03
Term Sheet & Commitment Letter
Once approved, we issue a clear, detailed commitment letter outlining rate, term, amortization, prepayment terms, and conditions. We walk you through every detail — no surprises at closing.
04
Closing & Funding
Our legal team coordinates with your solicitor to complete all title, registration, and documentation requirements. We fund on schedule, every time. Post-closing, your relationship manager remains your single point of contact for the life of the loan.
Common Questions
Commercial Mortgage FAQs
What loan-to-value ratios do you offer?
We typically lend up to 75–80% LTV on stabilized commercial properties, with higher leverage available on stronger deals or with additional security. Each deal is evaluated on its own merits.
What are your typical interest rates?
Rates vary based on property type, LTV, borrower strength, and market conditions. We consistently offer some of the most competitive private commercial lending rates in Ontario. Contact us for a current rate indication.
How long does it take to get approved?
Preliminary approvals can come within 24–48 hours of receiving a complete submission. Full underwriting and commitment typically takes 5–10 business days. Closings generally occur within 2–4 weeks of commitment.
Do you finance properties outside of Oakville?
Yes — we actively finance commercial properties across the GTA and throughout Southern Ontario. Select opportunities in other Canadian markets may also be considered on a case-by-case basis.
Can you finance properties with vacancy issues?
Yes. We understand that transitional assets — properties with below-market occupancy or undergoing repositioning — often offer the best upside. We evaluate these deals based on the stabilized value and your business plan.
What documents do I need to apply?
A complete application typically includes: property details and address, current rent roll (if tenanted), financial statements or pro-forma, personal net worth statement, and any existing appraisal or environmental reports. We'll guide you through it.
Ready to Finance?