Every project is unique, and so are our financing solutions. Whether you need a bridge loan, inventory loan, servicing and construction, mezzanine financing, or something more complex, we structure our loans to fit your project’s specific needs and timelines.
In real estate, delay’s can be costly. Our team is able to execute with speed, using our own proprietary funds to streamline the process and always deliver on our commitments.
By leveraging its deep market knowledge and experience, Ducimus Capital has built a strong network of industry relationships and developed an acute understanding of the local real estate landscape.
We have external audit completed annually of Ducimus Capital’s financial statements and compliance with the standards in the Mortgage Brokers, Lenders and Administrators Act, 2006.
Financing Type – 1st and 2nd Mortgages
Asset Classes – Mixed- Use, Multi-Family, Industrial, Retail, Office, Self-Storage, Retirement Homes, Land and Construction, Hospitality
Maximum LTV – Up to 70%
Maximum LTC – Up to 80%
Loan Size - $2 Million to $15 Million
Loan Term – 6 to 24 Months
Geography – Ontario and The Maritimes
Repayment Term – Interest Only with early repayment options
Ducimus Capital has provided over $450 million in financial solutions across all asset types since its inception in 2018. We aim to understand your project and your vision to structure financing that is flexible and adaptable. We simplify the mortgage approval and borrowing process so you can focus on the big picture.
Step 1: Origination
Our Team will thoroughly discuss each new opportunity with the client to determine the key priorities of the deal. This is followed by a careful review of all initial information, identifying any concerns and preparing a loan structure tailored to the client’s needs.
Step 2: Underwriting
Once a deal has been proposed, we review all Due Diligence documentation and complete a credit application for approval by our Executive Credit Committee.
Step 3: Approvals
The credit application is thoroughly discussed with the Executive Credit Committee to ensure a smooth approval process. All questions related to the particulars of the deal are addressed, with supporting documentation where relevant.
Step 4: Commitment
Ducimus Capital prepares and provides a detailed Commitment Letter outlining the deal terms, next steps and ensure all pre-funding conditions are understood and agreed upon.
Step 5: Funding & Management
Once all necessary documentation has been collected, review and verified, our team coordinates with our solicitors the flow of funds between the appropriate parties to meet the funding deadlines as determined by the deal. This includes understanding unique aspects of various product types and setting up loan facilities in our administration software to accommodate the monitoring and reporting of all details of the loan. We work diligently on reducing or preventing loan defaults and losses.
Step 6: Maturity
As a loan comes to maturity, it is the responsibility of Ducimus Capital to keep updated on the clients intended exit strategy for the loan. If an extension or renewal is requested, our Team will work with the client to approve the request and allow the client sufficient time to prepare their exit strategy.