Introduction
In today’s rapidly evolving financial landscape, not everyone fits neatly into the bank’s lending box. Whether it’s a client with non-traditional income, poor credit, or a time-sensitive purchase, more people are turning to private lenders in Montreal for fast and flexible solutions.
At Stormridge Capital, we specialize in helping individuals, investors, and brokers who’ve been turned away by traditional banks. But what exactly is private lending — and why is it such a valuable alternative?
What Is Private Lending?
Private lending refers to loans funded by private institutions or individuals — not major banks. These loans are typically secured against real estate and are based on the market value of the property, rather than the borrower’s credit score or income documents.
Unlike the rigid approval process at banks, private lenders like Stormridge Capital can move quickly and provide funding to clients with urgent needs, unique financial circumstances, or complex properties.
Who Can Private Lending Help?
🏡 Homeowners
Need cash fast but don’t want to sell? We provide equity takeout loans based on your home’s value, even if your bank says no.
👷 Self-Employed Borrowers
Don’t have pay stubs or regular T4s? We understand real-life income situations and don’t require traditional income verification.
💼 Mortgage Brokers
Private lending helps brokers save tough deals, speed up closings, and serve clients with short-term or high-LTV needs.
📉 Clients with Credit Challenges
Credit score not where it should be? That’s not a deal-breaker here.
Key Benefits of Private Lending
✅ Fast approval — often in days
✅ No minimum credit score required
✅ Up to 75% of property value (LTV)
✅ Terms from 3 to 36 months
✅ Interest-only payments for better cash flow
Conclusion: Private Lending Is About Solutions
If you’ve been declined by a bank or are working with a client who doesn’t meet strict lending criteria, private lending offers a practical, professional, and fast path forward. At Stormridge Capital, we work with you to find a solution that fits — not to fit you into a system that doesn’t.
Contact us today for a free consultation.
