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Commercial financing in Victoriaville, QC
Capitalor facts
- Victoriaville scores 100 on the Capitalor Lender Density Score — 76 of 134 Canadian markets tracked.
- The cap-rate seed for Victoriaville is 7.2%, anchoring value on income.
- The average tracked commercial transaction in Victoriaville is $1,300,000.
Tier
3
Lenders
4
Baseline seed
Density score
100
Rank 76 of 134
Avg deal size
$1,300,000
Baseline seed
Benchmark: GoC 5-year at 4.45% — observed from the Bank of Canada Valet API on 2026-08-12. Cap rate 7.2% (baseline seed).
Capitalor Commercial Debt Rate Index · Last updated 2026-08-12 · Maintained by Capitalor Data Desk
Scope: Victoriaville, QC · tier 3 · 4 products published
Inputs: 4 lenders · 1,300 buildings · 7.2% cap seed · $1,300,000 avg deal
Next scheduled review: 2026-09-14
How competitive is Victoriaville for commercial debt?
4 tracked lenders serve 1,300 commercial buildings — one lender per 325 buildings, a density score of 100 and rank 76 of 134 nationally. On the $1,300,000 average deal, a conventional mortgage at 5.05% sizes to $910,000 once both the 70% LTV cap and the 1.25x coverage floor are applied.
Victoriaville is a tier 3 market in the Capitalor coverage set: 47,523 residents, 1,300 tracked commercial buildings, and 4 lenders and brokers observed writing paper here. That works out to one active lender for roughly every 325 commercial buildings, a Lender Density Score of 100 — 76 of 134 nationally and 19 of 23 within QC.
Pricing starts from value, and value starts from the 7.2% Victoriaville cap-rate seed — the 101st tightest of the 134 markets Capitalor tracks. Applied to the $1,300,000 average transaction, that implies about $93,600 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 Victoriaville deal is $910,000, costing $64,156 a year to service. Coverage at a 1.25x floor caps the same loan at $1,062,115, so on the typical Victoriaville file leverage is the binding constraint and the number to solve for first.
Victoriaville 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. 4 of the Capitalor product set are published for Victoriaville.
How these figures were produced
- Observed — Recorded directly from the cited source series, unadjusted.
- Modelled — Derived arithmetically from observed inputs using the published method; not a market quote.
- Baseline seed — A documented starting estimate awaiting first observation. Treat as an order-of-magnitude figure only.
03Compare lenders
Capitalor Lender Density Score — Victoriaville
Active commercial lenders and brokers per 10,000 commercial buildings, indexed 0–100.
- Lenders tracked
- 4
- Baseline seed
- Commercial buildings
- 1,300
02Stress the debt
Size a Victoriaville deal
Preset to the Victoriaville anchor case: $1,300,000 value, $93,600 implied NOI, 5.05% conventional pricing. Change any input to run your own file.
DSCR calculator
Preset to the Victoriaville anchor case
Annual debt service
$64,156
DSCR
1.46x
Within Capitalor DSCR Stress Band
Max loan at 1.25x
$1,062,115
LTV calculator
Preset to the Victoriaville average transaction
Current LTV
70.0%
Inside lender band
Max loan at cap
$910,000
Equity required
$390,000
Loan and NOI held constant. Where the curve crosses the floor line is the rate at which this deal stops covering its debt service.
01Size the deal
Products available in Victoriaville
Other QC markets
Questions about Victoriaville
How competitive is commercial lending in Victoriaville?
4 lenders and brokers are observed writing in Victoriaville against 1,300 commercial buildings — a Lender Density Score of 100, ranking 76 of 134 Canadian markets Capitalor tracks. That is a deep market.
What is a typical commercial deal size in Victoriaville?
$1,300,000 across the Capitalor transaction sample. At 70% leverage that is $910,000 of senior debt and $390,000 of equity before closing costs.
What cap rate should I use for Victoriaville?
The Capitalor Victoriaville seed is 7.2%, the 101st tightest of 134 tracked markets. It is a market-wide baseline, not an asset-level appraisal: adjust for asset class, vintage, lease term, and covenant before underwriting.
How much debt will Victoriaville NOI support?
On $93,600 of NOI at a 1.25x coverage floor and 5.05% over 25 years, coverage caps the loan at about $1,062,115. The 70% LTV test caps it at $910,000, so the binding number is $910,000.
Which financing products are available in Victoriaville?
4 products are published for Victoriaville under the tier 3 coverage rule. Tier 1 markets carry the full product set; tier 2 carries tier 1–2 products; tier 3 carries anchor products only, because Capitalor will not publish a page it cannot support with observations.
Are these Victoriaville numbers quotes?
No. They are indicative benchmarks published for comparison. Capitalor does not originate, broker, or place debt, and every figure must be confirmed with a licensed lender before you rely on it.
How often is the Victoriaville data refreshed?
Benchmark rate observations refresh each business day from Bank of Canada. The lender census refreshes monthly. Cap-rate and transaction seeds refresh quarterly. Revisions are appended, never overwritten, so prior observations stay auditable.
Sources
- [1] Statistics Canada — census of population — Victoriaville population base (47,523)
- [2] Capitalor lender census — 4 lenders and brokers observed writing in Victoriaville; refreshed monthly
- [3] Capitalor building inventory — 1,300 commercial buildings, the denominator of the Lender Density Score
- [4] Capitalor transaction sampling — Victoriaville average deal size $1,300,000 and 7.2% cap-rate seed
- [5] Bank of Canada — GoC 5yr series — Government of Canada 5-year benchmark bond yield used in the anchor pricing case
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