Construction Financing Services in Canada
Secure draw-based construction loans tailored to your project timeline and budget. From land development to full-scale builds, we help you finance every stage.
First-Time Sponsor Focus
Our Construction Loan Process
We guide sponsors and developers through a proven 4-step process:
Preliminary Review & Term Sheet: We assess your project’s viability and issue indicative terms.
Lender Matching & Due Diligence: We connect you with lenders aligned to your risk profile and timeline.
Draw Schedule Implementation: Funds are advanced in tranches based on construction milestones.
Exit Strategy Planning: We assist in structuring permanent take-out financing or property disposition.
Types of Construction Financing We Offer
Construction financing isn’t one-size-fits-all, it’s often layered. We help you structure and source:
Senior Construction Debt
Mezzanine Financing
Land Loans
Why Choose Smart-Capital?
Access to 100+ Canadian lenders
Bilingual team (EN/FR) with underwriting experience
Expertise in multifamily, retail, industrial, senior housing
Fast-tracked pre-approvals and transparent processes
AI-powered financial analysis for better lender matches
Ready to Get Your Project Financed?
Whether you're working on land acquisition, zoning approval, or breaking ground, we can step in and structure a solution tailored to your needs.
❓ FAQ – Construction Financing in Commercial Real Estate
Most construction loans in Canada are short-term (12 to 24 months), interest-only, and tied to draw schedules.
You'll typically need architectural plans, a construction budget, permits, a detailed timeline, and borrower financials.
Yes, we can structure a two-phase solution that includes interim construction financing and long-term take-out loans.
We help structure contingency reserves and lender flexibility clauses to manage potential budget or timeline issues.
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