Commercial financing in Laval, QC

Laval is a tier 2 market in the Capitalor coverage set: 438,366 residents, 8,200 tracked commercial buildings, and 24 lenders and brokers observed writing paper here. That works out to one active lender for roughly every 342 commercial buildings, a Lender Density Score of 100 — 21 of 134 nationally and 3 of 23 within QC.

Pricing starts from value, and value starts from the 5.6% Laval cap-rate seed — the 27th tightest of the 134 markets Capitalor tracks. Applied to the $4,200,000 average transaction, that implies about $235,200 of net operating income before financing.

Take the anchor case: a conventional commercial mortgage at 5.05% over 25 years. Seventy percent of the average Laval deal is $2,940,000, costing $207,272 a year to service. Coverage at a 1.25x floor caps the same loan at $2,668,905, so on the typical Laval file coverage is the binding constraint and the number to solve for first.

Laval is a deep lender market. On well-covenanted paper you should collect at least three competing quotes; spread dispersion between the best and worst bid in a market this deep is usually worth more than any rate-timing decision. 10 of the Capitalor product set are published for Laval.

Deal flow in Laval concentrates in named commercial and employment areas such as the Centropolis sector, the Autoroute 440 commercial corridor and Chomedey. Capitalor publishes no separate figure for those areas: cap-rate seeds, lender counts, and deal sizes are collected and reported at the municipal level, so the numbers on this page apply across the city, and a corridor-level view has to come from asset-level comparables rather than from a published district statistic.