For sponsors, brokers & lenders

Canadian commercial financing, measured.

DSCR and LTV math, rate stress tests and product guides across 134 Canadian markets — run on your numbers. Independent — lenders never edit our pages.

Get a debt estimate Browse the city data directory

Capitalor facts

Last Government of Canada 5-year benchmark on file: 3.60% on 2026-10-07.
15 product guides with illustrative structures you can replace with your own quote.
Every calculator runs on your inputs; nothing on the site is a lender offer.

Products tracked

Markets tracked

134

GoC 5-year

3.60%

As of 2026-10-07

Calculators

Capitalor scenario model · Page revised 2026-09-23 · Maintained by Capitalor Data Desk

Data status — Last Bank of Canada GoC 5-year observation on file: 3.60% on 2026-10-07. Last recorded data pipeline run: 2026-10-08. Lender counts, cap rates and deal sizes are not published until they have dated, verifiable support.

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

Net operating income

Loan amount

Rate %

Amortization (yrs)

Target DSCR

Annual debt service

$347,923

DSCR

1.21x

Below lender threshold

Max loan at 1.25x

$4,345,792

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.

All 15 financing products →

04Choose city

Major markets

Toronto, ON Montreal, QC Vancouver, BC Calgary, AB Edmonton, AB Ottawa, ON Winnipeg, MB Quebec City, QC Hamilton, ON Mississauga, ON Brampton, ON Surrey, BC

All 134 markets →

05Carry the deal

Carry this deal forward

One deal, ten stages of the lifecycle

Your numbers travel in the link — no account, no email, nothing stored. Open any sister utility and the deal arrives pre-filled.

Keep this deal under watch

Save the deal and Dealor re-runs it every month against current rates and your own dates — so you hear about a broken DSCR or a lapsing renewal before your lender does.

Dealor — soon

Sources

[1] Bank of Canada valet API — benchmark rates
[2] Statistics Canada — 2021 Census of Population — city population

How Capitalor computes these numbers