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We believe in transparency. We believe in collaboration.

Who We Are

Chartered Finance is a commercial mortgage brokerage & advisory focused on building long-term relationships with it’s clients and assisting them with their financing requests.

 

We know what it is like, as a borrower, to try and navigate what may at times appear to be an obscure, illogical and unpredictable loan application process.

 

We have been both the lender and the borrower and have progressed through both the financial and brokerage communities. So we understand where commercial lenders are coming from. We empathize with borrowers who at times may be confronted with what seems to be Voodoo banking jargon that doesn’t really clarify the whys and wherefores of a credit decision. Yet, as having previous firsthand experience in lending shops, we also recognize when a loan request won’t fit and when it’s time to stop pushing rocks uphill.

 

Victor Da Silva
Founder – Chartered Finance

Trustworthy Advisors

We secure innovative financing solutions that bridge traditional disconnects in the lending-borrowing relationship.

Transparent Exchange

We believe in a transparent and collaborative business environment and arming our clients with the information they need.

Commercial Credibility

We are passionate about the commercial financing industry and continue to grow and expand our network and contacts through out it.

Commercial Financing

Commercial financing involves all transactions that are not personal in nature, but are business related.   At times this can be ambiguous.  For example, most lenders will treat a residential mortgage if the residence contains less than four units.  Similarly a personal loan or mortgage is likely to be processed by a commercial lender if that individual owns a business and the source of repayment for the loans are derived from that business.  Commercial financing typically includes the following loan classes:

A commercial mortgage securing a commercial, industrial or retail property and/or a multi-unit residential property.

Working capital loans for a business.

Interim construction loans.

Equipment terms loans.

Leasing.

Bridge loans.

Trade financing.

Direct and indirect commercial liabilities.

Commercial Mortgage Broker

A commercial mortgage broker focuses on sourcing financing for borrowers & businesses.  The types of financing may include commercial mortgages,Commercial Mortgage Broker operating loans, interim construction loans, term loans, bridge loans and others. A good commercial mortgage broker will enjoy a thorough understanding of the lending criteria of financial institutions, as well as private lenders.  Business borrowers will rely on commercial mortgage brokers to not only source financing; but more importantly, to be a financial solutions provider by providing knowledgeable advice and insight into a range of financing options.  A competent and proactive mortgage broker will assist in organizing a workable financing structure and packaging the request to an appropriate lender.  As such the broker acts as a “marriage counselor”; as well as a bridge between lenders and borrowers, by establishing workable financial relationships for both parties.

Commercial Lending

Commercial Mortgage Broker

A bank is no different than any other business, in the sense that it strives to achieve the best return for its shareholders. As a business, it will apply standard financial earnings and balance sheet performance criteria and will utilize various benchmarking techniques to measure its results against those of its peer group. The borrower’s perception of the typical commercial lender becomes clouded by the addition of one key component to this phenomenon; that is, the element of risk. The dilemma that this risk issue introduces is the fact that (a) commercial lenders’ risk comfort level guides all their decisions and (b) lenders’ risk tolerances are frequently not understood by borrowers.

 

In the area of commercial lending there are still too many variables to allow for a complete automation of risk examination. Accordingly, some aspect of a personal decision will inevitably form part of a commercial lender’s evaluation process.

 

Accordingly, corporate financial structures at financial institutions can hinder everyday borrowers long term borrowing-lending relationships.  Far too many borrowers come to sudden grief; comforted by previous confidence that they enjoyed a casual and supportive credit arrangement, only to be unexpectedly facing changes under new regimes. Borrowers may dislike the unpredictability of their banking relationships; however, as long as they are dealing with a large regulated institution, unpredictability and altered roadmaps are likely to influence any long-term relationship with their lenders.

Commercial Knowledge

Commercial Mortgage Broker

With many years of combined working experience in commercial lending, we have the knowhow and experience to secure suitable financial solutions for you. We understand the many hurdles facing the entrepreneur trying to run their business while facing financial growing pains. We also understand the lenders and their particular constraints.

 

In this way, we differentiate ourselves by not trying to drive the square peg through the round hole. Too often than not, the borrowing lending relationship is disconnected by poor communication and/or a lack of understanding of the decision elements.  Lenders may make promises to borrowers that they can’t deliver on.  Borrowers may make financial requests that could be entertained by one institution; but could be dismissed by another.  Brokers may make promises to lenders and or borrowers based on incomplete analysis and information.

 

We seek to eliminate these instances by building a strong communicative relationship with our clients and lenders. We than secure “work-throughs” and “workarounds” that bridge traditional disconnects in the lending-borrowing relationship.

Our Values

Chartered Finance adheres to simple core principles:

 

“We believe in a transparent and collaborative business environment.  We believe in sharing our know-how to our clients’ betterment.”

 

Our clients’ interests are not advanced by mysterious promises on unreal outcomes. We focus on what is deliverable so our clients scarce time and resources can be spared. We will work diligently at breaking down any initial barriers between borrower and lender so that both parties’ end up on the same page.

 

We believe in building long-term relationships and positioning our clients ahead of compensation. The transparency in our work and our unbiased financing advice represents the best support we can provide our clients in achieving their financial goals.

Commercial Financing Solutions Offered:

Interim Construction and Take-out Financing.

Term Financing & Working Capital Loans for First Nation Communities.

Consolidation and Take-out of Private Mortgages and VTB's.

Land Development Financing.

Commercial Bridge Financing for Acquisitions or Mortgage Take-outs.

CMHC Commercial Financing for Apartment Rentals, Student Housing & Senior Housing.

Mortgage Take-out Financing on Operating Loans.

Commercial Real Estate Portfolio Re-structuring and Blanket Financing.

Acquisition of Commercial Real Estate.

Refinancing and Equity Take Outs.

Nuno Araujo

I have worked alongside Victor on a few Commercial Financing requests with my clients. He is impressively knowledgeable and has quite a few contacts in the industry. He has gone above and beyond in taking care of my clients. If you are looking for an upfront and honest Commercial Mortgage Broker, you have have come to the right place. Thanks again for everything and Lunch is on me next!

Teny Yahya

I am always shocked on how honest and upfront Victor is when he assists me with my commercial clients. He is always putting other peoples interests first which is refreshing. Both Victor & Andre are extremely knowledgeable. They are one of the best places to start if you require commercial financing for your clients or you are looking to purchase a commercial property.

Svetlana Razina

Quite fortunate to be able to work with a team as transparent and knowledgeable in commercial mortgages. I am always told by my clients that I refer, that they were impressed by the communication and financing they were able to receive. 4% for financing on vacant land for future development is hard to beat. I highly recommend them to anyone in need of assistance on commercial mortgages!

Mathew Hildebrand

I have known Victor for several years, great guy, get's things done. Very receptive and always looking to help!

Nuno Araujo

I have worked alongside Victor on a few Commercial Financing requests with my clients. He is impressively knowledgeable and has quite a few contacts in the industry. He has gone above and beyond in taking care of my clients. If you are looking for an upfront and honest Commercial Mortgage Broker, you have have come to the right place. Thanks again for everything and Lunch is on me next!

Teny Yahya

I am always shocked on how honest and upfront Victor is when he assists me with my commercial clients. He is always putting other peoples interests first which is refreshing. Both Victor & Andre are extremely knowledgeable. They are one of the best places to start if you require commercial financing for your clients or you are looking to purchase a commercial property.

Svetlana Razina

Quite fortunate to be able to work with a team as transparent and knowledgeable in commercial mortgages. I am always told by my clients that I refer, that they were impressed by the communication and financing they were able to receive. 4% for financing on vacant land for future development is hard to beat. I highly recommend them to anyone in need of assistance on commercial mortgages!

Mathew Hildebrand

I have known Victor for several years, great guy, get's things done. Very receptive and always looking to help!