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CENTUM Financial

Centum Financial Services LP
SkyReach Capital Group

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COMMERCIAL & MULTIFAMILY FINANCING · BC & ALBERTA

Commercial & multifamily
financing in BC & Alberta.

Purchasing business premises or an apartment building, renewing a mortgage or refinancing an investment property? Speak directly with Deepak Raheja to explore commercial and multifamily financing in British Columbia and Alberta.

Call Deepak: 604-836-0835 ↗Explore your financing review ↓

CENTUM Financial Services LP – SkyReach Capital Group
Serving BC and Alberta through appropriately licensed mortgage professionals. Financing subject to qualification and lender approval.

Commercial real estate financing
Property purchases · Renewals · Refinancing

START WITH THE NUMBERS

Commercial & multifamily financing review

Understand what may be possible before committing to a purchase or refinance.

Financing capacity

Discuss potential loan size, down payment and equity requirements based on the property and borrower.

Cash flow & coverage

Review property income, operating expenses and debt-service coverage ratio (DSCR) to identify financing constraints.

A clear next step

Explore suitable bank, credit union or private financing routes and the information needed for lender review.

Discuss your property ↗Email your financing enquiry ↗

Email opens a draft in your email app. Send only an initial enquiry; contact us to arrange secure delivery of financial documents. A preliminary review is not a lender commitment.

MULTIFAMILY FINANCING · BC & ALBERTA

Financing for apartment buildings and rental housing.

Purchase, refinance or develop a multifamily rental property in British Columbia or Alberta. We review rental income, occupancy, operating costs and your plans to explore a suitable financing structure.

Acquire rental properties

Review financing capacity and equity requirements for apartment buildings and multi-unit rental investments.

Refinance your portfolio

Discuss mortgage renewals, refinancing and potential equity release based on rental cash flow and lender criteria.

Build or improve rental housing

Explore construction financing and a longer-term financing plan for a new rental project or property improvements.

Explore multifamily financing ↗Discuss your rental property ↗

Conventional and CMHC-insured options may be considered where eligible. Program requirements, property suitability and lender approval apply.

FINANCING BUILT AROUND YOUR GOALS

Purchase. Renew. Refinance.

Buy your business premises

Explore owner-occupied financing for warehouses, industrial strata units, retail premises, offices and professional clinics.

Renew or refinance

Review upcoming mortgage maturities, existing loan terms, closing costs and possible equity release for your next investment.

Grow your property portfolio

Discuss financing for rental apartment buildings, mixed-use properties, retail plazas and income-producing commercial real estate.

Explore multifamily financing ↗

Planning construction or redevelopment? Explore construction and development financing ↗

LOCAL PROPERTY. DIRECT CONTACT.

Two provinces. One direct conversation.

British Columbia: Discuss commercial properties in Surrey, Langley, Delta, Richmond, Burnaby, Vancouver and communities across BC.

Alberta: Discuss commercial properties in Calgary, Edmonton, Red Deer, Lethbridge, Medicine Hat and communities across Alberta.

Our brokerage team provides financing services through appropriately licensed mortgage professionals in each province. Your property type, tenancy, income and financing timeline guide the lender options we explore.

BC mortgage services ↗Alberta mortgage services ↗

What to have ready

  • Property address, type and estimated value or purchase price.
  • Requested mortgage amount and financing purpose.
  • Current mortgage balance and renewal or closing date.
  • Rent roll and operating statement for an income-producing property.
  • Business financial statements for owner-occupied financing.
  • Available down payment and relevant borrower information.

Start with a conversation; the full document checklist depends on the transaction.

COMMON QUESTIONS

Before you apply

How much down payment will I need?

The amount depends on the property, cash flow, borrower strength and lender program. We review both loan-to-value and debt-service coverage to estimate the equity required for your transaction.

Can I refinance to release equity?

Potential equity release depends on the property value, existing debt, cash flow and lender criteria. We also review penalties, fees and the proposed use of funds.

When should I discuss an upcoming renewal?

Start several months before maturity where possible. Allow time to gather financials, review the property and compare financing structures before your renewal deadline.

Can you help if my bank does not approve the request?

We can assess whether another lender or financing structure may fit. Alternative financing has its own costs and requirements; approval is subject to lender review.

SPEAK DIRECTLY WITH DEEPAK

Your next property starts with a conversation.

604-836-0835 ↗

Deepak Raheja
CENTUM Financial Services LP – SkyReach Capital Group
201–6678 152 Street, Surrey, BC V3S 7J2

Tell us about your financing needs.

Property purchase, renewal or refinance: share your goal and timeline to begin the review.

Email Deepak ↗Text Deepak ↗

Email enquiries open a draft to draheja@skyreachcapital.ca.

Call Deepak · 604-836-0835 ↗