01Size the deal
Private & Hard-Money Lending in Canada
Capitalor facts
- Asset-backed debt priced for speed, story, and short duration.
- Illustrative structure: 65% LTV, interest-only, 1-year term, 1.00x coverage floor.
- Scenario rate 10.60%: GoC 5-yr 3.60% (as of 2026-10-07) + 700 bps illustrative spread = 10.60%. Not a lender or program rate.
About these terms
Leverage, amortization, term and spread are illustrative structure settings for this product type, not any lender's published terms or an offer of credit.
Scenario rate
10.60%
Hypothetical
Illustrative LTV
65%
Coverage floor
1.00x
Term
1 yr
Capitalor scenario model · Page revised 2026-09-23 · Maintained by Capitalor Data Desk
Scope: Private & Hard-Money Lending · tier 3 · 12 market guides
Inputs: GoC 5-yr 3.60% (as of 2026-10-07) + 700 bps illustrative spread = 10.60% · hypothetical $5,000,000 value, $300,000 NOI
02Stress the debt
DSCR calculator
Hypothetical Private & Hard-Money Lending scenario — enter your own numbers
Annual debt service
$371,020
DSCR
0.81x
Below lender threshold
Max loan at 1.00x
$2,627,892
LTV calculator
Hypothetical Private & Hard-Money Lending scenario — enter your own numbers
Current LTV
65.0%
Inside lender band
Max loan at cap
$3,250,000
Equity required
$1,750,000
04Choose city
Private & Hard-Money Lending by market
Each market page runs the same hypothetical scenario with local census context. Capitalor does not publish verified local rates, lender counts or deal sizes.
| Private & Hard-Money Lending in Toronto | ON | 1 | 2,794,356 |
| Private & Hard-Money Lending in Montreal | QC | 1 | 1,762,949 |
| Private & Hard-Money Lending in Calgary | AB | 1 | 1,306,784 |
| Private & Hard-Money Lending in Ottawa | ON | 1 | 1,017,449 |
| Private & Hard-Money Lending in Edmonton | AB | 1 | 1,010,899 |
| Private & Hard-Money Lending in Winnipeg | MB | 1 | 749,607 |
| Private & Hard-Money Lending in Mississauga | ON | 1 | 717,961 |
| Private & Hard-Money Lending in Vancouver | BC | 1 | 662,248 |
| Private & Hard-Money Lending in Brampton | ON | 1 | 656,480 |
| Private & Hard-Money Lending in Hamilton | ON | 1 | 569,353 |
| Private & Hard-Money Lending in Surrey | BC | 1 | 568,322 |
| Private & Hard-Money Lending in Quebec City | QC | 1 | 549,459 |
ActQuestions
What rate does private & hard-money lending carry today?
Capitalor does not publish a current lender rate. Its scenario uses GoC 5-yr 3.60% (as of 2026-10-07) + 700 bps illustrative spread = 10.60%. Get real quotes for your file.
What would private & hard-money lending cost to service per $1M in the scenario?
$106,000 a year at the 10.60% scenario rate on an interest-only basis. Servicing cost only — premiums, fees and prepayment terms sit outside it.
How much equity would the illustrative structure need?
At an illustrative 65% LTV the sponsor funds the remaining 35% plus closing costs. Actual maximum leverage is set by the lender or program.
Are these official terms?
Leverage, amortization, term and spread are illustrative structure settings for this product type, not any lender's published terms or an offer of credit.
Sources
- [1] Bank of Canada Valet API — GoC 5-year, last observation on file 2026-10-07
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