For sponsors, brokers & lenders
Canadian commercial financing, measured.
Rate benchmarks, DSCR and LTV math, and lender density across 134 Canadian markets. Independent — lenders never edit our pages.
Capitalor facts
- The Capitalor Commercial Debt Rate Index is built on the Government of Canada 5-year benchmark, currently 3.15%.
- The Capitalor Lender Density Score ranks 134 Canadian metros by lenders per thousand commercial buildings.
- The Capitalor DSCR Stress Band shows the coverage floor each of 15 financing products must clear.
Products tracked
15
Markets tracked
134
GoC 5-year
3.15%
Rate series
Never deleted
Capitalor Commercial Debt Rate Index · Last updated 2026-08-14 · Maintained by Capitalor Data Desk
What determines a Canadian commercial loan size?
Coverage first, value second: lenders size to a DSCR floor, then cap the result at a maximum LTV.
02Stress the debt
DSCR calculator
Annual debt service
$317,254
DSCR
1.32x
Within Capitalor DSCR Stress Band
Max loan at 1.25x
$4,765,902
03Compare lenders
Anchor financing products
Commercial Mortgage
Conventional term debt on stabilized income-producing commercial property.
CMHC MLI Select
Insured multi-residential financing priced off CMHC point-scored criteria.
Construction Financing
Draw-based debt funding hard and soft costs through to occupancy.
Bridge Loan
Short-term debt covering the gap between acquisition and stabilization.
04Choose city
Major markets
Sources
- [1] Bank of Canada valet API — benchmark rates
- [2] Statistics Canada — population and commercial building counts