Assess your qualifying position for BC commercial property financing before you commit to a purchase or refinance. Our process provides the technical clarity needed to move forward with certainty.
Making an offer without understanding your financing position is the most expensive mistake a BC commercial buyer can make. Discovering at the eleventh hour that the property doesn't qualify or the DSCR is too thin costs real money and reputation.
Does the asset type, location, and income profile fit current 2026 institutional lender criteria?
Calculates where your target loan amount sits relative to maximum lender leverage caps.
Does the property's Net Operating Income (NOI) support debt service at current market rates? Learn about DSCR.
An assessment of your financial position, net worth, and credit history relative to lender requirements.
Identifying the specific lenders and programs (Conventional vs. CMHC vs. Private) most viable for the deal.
Pre-qualification is an informed, professional assessment — not a commitment letter or guarantee of financing. It is a frank conversation that identifies risks before you commit capital to appraisals and environmental reports. Initial pre-qualification does not require a formal credit pull.
An initial assessment typically takes 1–2 business days once we receive your property details and basic financial information. For time-sensitive offers, please note your subject removal date in your inquiry.
Yes. BCCM provides initial pre-qualification assessments without charge or obligation. We believe borrowers should have clear information before entering the formal application cycle.
Ideally before you find a property. Knowing your financing capacity allows you to narrow your search to assets that fit your equity position and income requirements.
We typically need the property address, estimated value, target loan amount, current rent roll or income documentation, and a summary of your personal net worth position.
