Alternative Lending Solutions

Because One Size Doesn’t Fit All

When traditional lenders say “no,” we look for ways to say “yes.” Whether you’re self-employed, new to Canada, or have unique circumstances, Alternative Lending gives you access to flexible financing tailored to your needs.

David Simmonds

“Sometimes a borrower cannot get a bank on board with their plans. Banks are very strict about their criteria and if you do not fit one of their boxes they decline to lend to you. I specialize in finding solutions for good people that need funding and do not fit the typical bank profile. That could be self-employed persons, folks with high debt rations, people needing debt consolidation, renovation / construction financing, unusual situations, and others. 

I work with over 50 lenders to find a solution that fits your needs. Many of these lenders have alternative lending programs available for folks looking for alternative financing. Let me find a solution for your financing needs”.

What is Alternative Lending?

Alternative lending is mortgage financing outside traditional big banks. These lenders, often called “B-lenders” or specialty lenders, provide solutions that factor in real-world income, credit history, and property uniqueness.

Unlike banks, they don’t rely solely on rigid formulas. Instead, they evaluate the whole picture to find a way forward.

Self-employed mortgages based on bank statements or cash flow

Options for clients with bruised credit or past bankruptcies

Financing for unique or mixed-use properties

Why Choose Alternative Lending?

  • Flexibility over perfection

    Approvals based on overall financial strength, not just a credit score.

  • Faster approvals

    Streamlined underwriting compared to big banks.

  • Creative solutions

    Unique products for unique borrowers.

  • A stepping stone

    Often a short-term path until you qualify with an A-lender.

Who I Help?

Alternative Lending can be the right fit if you are:

Self-employed

With strong income but limited tax documents.

New to Canada

without an established credit history.

Rebuilding credit

after challenges like bankruptcy or consumer proposals.

Investors or property owners

With rental income, unique zoning, or non-traditional homes.

Process

  • I review your goals, financial picture, and challenges.

  • Run through the Alternative Lending Readiness Checker (interactive tool below).

  • I connect you with lenders who match your profile.

  • Get fast approvals, usually within days.

  • Build a path to move from Alternative Lending to a traditional lender if that’s your long-term goal.

Alternative Lending Readiness Checker

Form to discuss your exact situation for tailored advice

FAQs

  • Rates may be slightly higher, but you’re paying for flexibility and opportunity. For many clients, it’s worth it to get approved now instead of waiting years.

  • Not at all. In fact, many clients use Alternative Lending as a stepping stone, improving credit or financials to qualify with banks in 1–3 years.

  • Often within 48–72 hours, compared to weeks at a bank.

  • No. In fact, Alternative Lending is designed for people with less-than-perfect credit, self-employment income, or unique circumstances.

Ready to Explore Your Options?

Whether you’re self-employed, rebuilding credit, or have unique circumstances, there’s usually a way forward.