01Size the deal
Portfolio Financing in Canada
Capitalor facts
- The Capitalor Commercial Debt Rate Index places portfolio financing at 5.15% indicative, a 200 bps spread over the Government of Canada 5-year benchmark.
- Typical structure: 68% LTV, 25-year amortization, 5-year term.
- The Capitalor DSCR Stress Band for this product starts at 1.30x coverage.
Indicative rate
5.15%
Typical LTV
68%
DSCR floor
1.30x
Term
5 yr
Capitalor Commercial Debt Rate Index · Last updated 2026-08-14 · Maintained by Capitalor Data Desk
Scope: Portfolio Financing · tier 3 · 12 markets published
Inputs: GoC 5-yr benchmark + 200 bps · 68% LTV · 1.30x DSCR · 25-yr amortization
Next scheduled review: 2026-09-14
One credit facility cross-collateralized across multiple assets.
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.
02Stress the debt
DSCR calculator
Preset to Portfolio Financing
Annual debt service
$320,416
DSCR
1.31x
Within Capitalor DSCR Stress Band
Max loan at 1.30x
$4,537,373
LTV calculator
Preset to Portfolio Financing
Current LTV
69.2%
Above lender band
Max loan at cap
$4,420,000
Equity required
$2,080,000
04Choose city
Portfolio Financing by market
Debt service is computed on the market's average transaction at 68% LTV and 5.15% over 25 years.
| Portfolio Financing in Toronto | 1 | 100 | 5.1% | $8,600,000 | $5,848,000 | $416,398 |
| Portfolio Financing in Montreal | 1 | 100 | 5.4% | $6,100,000 | $4,148,000 | $295,352 |
| Portfolio Financing in Vancouver | 1 | 100 | 4.4% | $9,800,000 | $6,664,000 | $474,500 |
| Portfolio Financing in Calgary | 1 | 100 | 6.2% | $5,400,000 | $3,672,000 | $261,459 |
| Portfolio Financing in Edmonton | 1 | 100 | 6.6% | $4,300,000 | $2,924,000 | $208,199 |
| Portfolio Financing in Ottawa | 1 | 100 | 5.6% | $5,200,000 | $3,536,000 | $251,776 |
| Portfolio Financing in Winnipeg | 1 | 100 | 6.4% | $3,600,000 | $2,448,000 | $174,306 |
| Portfolio Financing in Quebec City | 1 | 100 | 6.0% | $3,400,000 | $2,312,000 | $164,623 |
| Portfolio Financing in Hamilton | 1 | 100 | 5.7% | $4,100,000 | $2,788,000 | $198,515 |
| Portfolio Financing in Mississauga | 1 | 100 | 5.2% | $6,800,000 | $4,624,000 | $329,245 |
| Portfolio Financing in Brampton | 1 | 100 | 5.4% | $5,100,000 | $3,468,000 | $246,934 |
| Portfolio Financing in Surrey | 1 | 100 | 4.9% | $5,900,000 | $4,012,000 | $285,669 |
ActQuestions
What rate does portfolio financing carry today?
The Capitalor Commercial Debt Rate Index shows 5.15% indicative, a 200 bps spread over the GoC 5-year benchmark.
What does portfolio financing cost to service per $1M borrowed?
$71,204 a year at 5.15% over 25 years. That is servicing cost only — premiums, fees, and prepayment terms sit outside it.
How much equity will a lender expect?
At 68% LTV the sponsor funds the remaining 32% plus closing costs.
Which coverage ratio clears credit?
1.30x is the floor in the Capitalor DSCR Stress Band for this product. Below it, proceeds are cut until coverage clears rather than the file being repriced.
In how many Canadian markets does Capitalor publish portfolio financing data?
12. Tier 3 products publish only in markets deep enough to support them, so the count is deliberately short of all 66 tracked markets.
Sources
- [1] Bank of Canada valet API — GoC 5-year benchmark
- [2] Capitalor lender term sampling — LTV, DSCR, amortization norms
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