About Capitalor
Capitalor publishes indicative commercial debt benchmarks, lender-density measurements, and underwriting tools for Canadian income-producing real estate. Capitalor does not originate, broker, or place debt.
Every page on this site answers one question: what would this loan cost, and how big can it be, in this market, on this product, today. We publish the inputs, the arithmetic, and the refresh cadence next to the answer so it can be checked rather than trusted.
01What we do
Benchmark, not quote
We maintain the Capitalor Commercial Debt Rate Index: a published spread per product over the Government of Canada 5-year benchmark, anchored to the Bank of Canada daily 5-year yield (series V39053). A scheduled job checks for new observations each weekday evening, and every page shows the date of the latest one on file.
Say what we don't know
We do not publish local lender counts, cap rates or deal sizes without a dated, verifiable source. Where that data is missing, pages give you a labelled hypothetical scenario to edit instead.
Ship the arithmetic
DSCR, LTV, amortization, and scope tools run the same math the pages do. Nothing is gated, and no email is required to use them.
The Capitalor Data Desk
The Capitalor Data Desk is the named research function responsible for every published figure: it maintains the published formulas, the source series behind each figure, and the dated revision log on the methodology page.
The Data Desk is the byline on every figure-bearing page. It owns four responsibilities, in this order: ingest observations from the cited primary sources without adjustment; apply the published method to derive anything not directly observed; label which of the two produced each number; and label any figure whose source observation is more than 10 days old as stale.
Where a figure is a modelled derivation or a documented baseline seed rather than a direct observation, it is labelled as such on the page itself. We would rather show a weaker number honestly than a stronger one without provenance.
Named individual analyst bios are not published yet. Attributing analysis to invented people would be the fastest way to make everything else here untrustworthy, so the desk carries the byline until real named reviewers are in place.
What we do not do
- We do not originate, broker, arrange, or place debt, and we take no commission on any transaction.
- We do not give financial, legal, tax, or investment advice.
- We do not sell or rent user data, and the tools do not require an account.
- We do not let sponsors change a published figure, a ranking, or a page's conclusion. Sponsorship is labelled where it appears.
Not advice — Capitalor is a data publisher. We do not originate, broker, arrange, or place debt, and nothing here is an offer of credit, a quote, or financial advice. Figures are indicative benchmarks for comparison and must be confirmed with a licensed lender or mortgage professional before you rely on them. About Capitalor