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Private Lending, Canada-Wide
Financing Decided by People, Not Policy Manuals.
Northgate Lending funds small business loans, private loans, and mortgages for Canadians who need a direct, transparent alternative to traditional banks. Every rate we offer is set in accordance with Canada’s Interest Act — disclosed in full, before you sign anything.
Small Business Loans
Private Loans
Mortgages & Bridge Financing
Proudly Canadian-Owned
What We Fund
Three Ways We Lend.
Whatever the need — capital to run a business, a personal loan against real assets, or a mortgage a bank won’t move fast enough on — we structure it directly and explain it plainly.
Small Business Loans
Working capital, equipment financing, and expansion loans for Canadian small businesses that need a decision in days, not months.
- Flexible repayment terms
- No hidden origination surprises
- Direct decision-makers, no committees
Private Loans
Short-term, asset-backed private loans for individuals facing timelines or circumstances traditional banks can’t accommodate.
- Funding in as little as [X] business days
- Past credit issues considered
- Terms disclosed in full before you sign
Mortgages
First and second mortgages, bridge financing, and refinancing for homeowners and property investors across Canada.
- Financing up to [XX]% loan-to-value
- Purchase, refinance, or bridge
- Residential and investment property
Why Northgate
Lending With the Fine Print Already Read Out Loud.
Proudly Canadian-owned and operated — every product we offer is built around Canadian lending law, not a foreign parent company’s playbook.
Rates Set Under Federal Law
Every loan we fund respects the maximum rate allowed under Canada’s Interest Act and the Criminal Code — no exceptions.
A Direct Lender
We fund from our own capital, so your decision doesn’t wait on a head office or a syndicate of investors.
Fast Turnaround
Most applications receive a written decision within [X] business days of a complete submission.
Full Disclosure
You see your exact rate, fees, and repayment terms in writing before you commit to anything.
Process
Four Steps, Start to Funded.
No portals that go quiet for weeks. You’ll know where your file stands at every stage.
01
Apply
Tell us what you need financed and share basic financials — online or by phone, in just a few minutes.
02
Review & Offer
Our underwriters assess your file and return clear terms: rate, fees, and repayment, in writing.
03
Approval
Confirm the terms and provide any remaining documentation. Nothing new gets added late.
04
Funding
Funds are released directly, on the timeline we committed to at offer stage.
Client Feedback
What Borrowers Tell Us.
“We needed equipment financed before a busy season started. Northgate gave us a written offer in two days — no runaround.”
Small Business Owner, Ontario
Sample quote — to be replaced with a verified client testimonial
“Our bank couldn’t close in time for our purchase. The bridge loan terms were exactly what was quoted at the start.”
Private Borrower, British Columbia
Sample quote — to be replaced with a verified client testimonial
“I appreciated seeing the full rate and fee breakdown before signing. Nothing changed between quote and closing.”
Property Investor, Alberta
Sample quote — to be replaced with a verified client testimonial
Questions
Before You Apply.
Answers to what most borrowers and business owners ask us first. If yours isn’t here, our team is a call away.
Every rate we offer complies with the Interest Act and the criminal interest rate limit set out in the Criminal Code of Canada. Your specific rate depends on loan type, term, and security offered, and is disclosed in full, in writing, before you sign.
We work with Canadian small businesses, individual borrowers, and property owners who need faster or more flexible terms than a traditional bank can offer — including applicants who have been declined elsewhere.
Most applicants receive a decision within [X] business days of submitting a complete application. Funding timelines vary by product: private loans can close in as little as [X] business days, while mortgages take longer due to registration and legal review.
No. Every rate, fee, and repayment term is disclosed in writing before you commit. What you’re quoted at offer stage is what you sign at closing.
Working capital, equipment, business expansion, debt consolidation, bridge financing between property transactions, and other legitimate business or personal financing needs.
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Get Started
Ready to Talk Financing?
Tell us what you need and a member of our lending team will follow up with clear, written terms — no obligation to proceed.
Talk to Us Directly
Phone
Office
[Your Office Address, City, Province], Canada
Hours
[Placeholder — business hours]
Proudly Canadian-owned and operated
Request a Consultation
By submitting, you agree to be contacted about your inquiry. Submitting this form does not guarantee loan approval.