Commercial & Residential Financing · Ontario
Bank said no? Closing at risk? Business needs funding?
There may still be a way forward. We structure the file. We explain it plainly. A real person answers.
Since 2020Every ticket size
Home. Building. Business.
Straight answers. Proper structure. Every ticket size.
Start Where You Are
Deadline. Decline. Payments piling up.
That is when structure matters.
Often the file went to the wrong lender, in the wrong shape. We review it. We place it where it fits.
You get a straight answer and a realistic timeline. If it can close, we build the plan around your date.
Cards. Lines of credit. A renewal coming up. We look at the full picture. No judgement.
Equipment. Space. Working capital. Buy-in. Your bank may cover one piece. We work to put the pieces together in one plan.
Write to us and talk it through. No obligation. No jargon. No pressure.
The Funding Stack
One lender rarely covers everything a business needs.
So we combine sources. Each one covers part of the need.
The main loan, taken to the bank or credit union whose rules fit your file. Usually the lowest cost — never promised in advance.
A federal program that helps small businesses borrow for equipment, renovations and property. We help you apply through a participating lender.
Loans for growth, buying a business, or passing one on. We help you prepare your file and present it.
Used when a bank’s timeline or rules do not fit — including mortgage investment corporations. The cost is higher. We tell you that up front.
FedDev Ontario programs and loans against SR&ED tax credits, where your business qualifies. We check what applies and help with the paperwork.
What it is for, in plain terms:
An owner who wants to buy his building. A purchase that has to close on time. A partner buying in.
Industrial & Commercial
A warehouse is not a house. It is the business.
Tenancy. Power. Zoning. Ceiling height. The business inside the walls. Read as one file.
The Company
Commercial & Industrial
The commercial arm. Industrial properties. Business loans. Funding stacks.
Visit qberacorp.comHome Loans
The residential arm. Purchases. Refinances. Renewals. Reverse mortgages.
Visit homeloanscanada.caInvestPro Consulting is the parent firm. Every file, documented properly. You stay informed, first conversation to funding. About the firm — About Us →
The Funding Desk
The key rates, as of the date shown below.
Your rate is set the day your file is priced — and explained before you sign.
BoC 2.50% · Prime 4.70% · next decision Dec 9, 2026
Contact
Bring the situation as it is.
A decline. A deadline. A deal at risk.
You hear plainly whether it can be structured. And how.
About Us
InvestPro Consulting is a Mississauga-based financing firm serving all of Ontario.
Commercial, business and residential financing — structured properly, explained plainly.
The Firm
Parent Firm · Mississauga, Ontario
InvestPro Consulting is the parent firm of Qbera Corporation and Homeloans Canada — two specialist arms under one standard: structure first, funding follows.
The firm works for its borrowers. It takes their files to lenders. It builds the funding stacks. One point of contact, first conversation to funding.
The firm brings reach. Banks. Credit unions. Non-bank lenders. Private capital. A file does not sit in a queue. It goes to the right lender, presented properly.
The firm brings clarity. Straight answers, in plain language, for Ontario homeowners and business owners. Advice first. Always.
Every ticket size. Every borrower type. No one turned away for size.
Bank said no? Closing at risk? Capital not assembled? That is the work: the file, rebuilt properly.
The firm also provides Life and Accident & Sickness insurance advice in Ontario. Protection advice sits alongside the financing. Integrated. Advisory only.
Qbera Corporation — the commercial arm: industrial properties, business loans and multi-layer funding stacks. qberacorp.com →
Homeloans Canada — the residential arm: purchases, refinances, renewals and reverse mortgages. homeloanscanada.ca →
Next Step
Bring the situation as it is.
You get a straight answer. If it can be structured, you hear how.
Personal Investment Services
Investments held in insurance contracts. Advised properly.
Segregated funds. Insured savings. Insured mortgage advice.
Advice only. Nothing sold here.
What We Do
Six areas. Each one defined.
What it is. How it helps. What a review covers.
Every investment on this page is an insurance contract — segregated funds are individual variable insurance contracts. Nothing here is a security or a mutual fund, and the firm does not deal in securities. “Advisory” describes the service. It is not a Financial Advisor or Financial Planner title under Ontario’s title protection framework. The firm advises. The firm does not sell insurance on this page.
What it is: Market-based funds held inside an insurance contract. Issued by insurers. Not bank deposits.
What it is: A plan for where money goes, and in what order. Savings held in insurance contracts and registered plans, set up properly.
What it is: Clear advice on insured mortgages. How default insurance works. What it costs. What it changes.
What it is: A plan for turning savings into income. In the right order, at the right time.
What it is: A needs review. Life. Disability. Critical illness. Health. Advice and review only — no selling.
What it is: The paperwork of a plan, kept in order. Beneficiaries. Designations. Documents.
Watch — Retirement
The retirement rule from the video, in sixty seconds: a self-directed RRSP can hold an insured mortgage on your own home, administered by an approved lender at normal commercial rates — so the interest you pay flows into your own RRSP and grows tax-sheltered. The fees are real, and it suits larger RRSPs. That is why it belongs in a retirement income review, numbers first.
RRSP
How It Works
Goals. Income. Debts. Family. Said plainly.
The plan, in order. Each part with a job.
Next steps, explained. No pressure. No sale.
Checked yearly. Adjusted when life changes.
This page offers advice, education and review. It does not sell insurance. No quotes. No applications. No pressure to buy. Advisory services are offered in Ontario only.
General information only. Nothing on this page is personal advice or a recommendation. Personal advice follows a needs analysis, given in a meeting and confirmed in writing. Any conflicts of interest are disclosed before advice is given, as Ontario law requires.
Segregated funds — read this plainly. Segregated funds are individual variable insurance contracts, issued by insurers. They are not mutual funds, not bank deposits, and not insured by CDIC. Values go up and down with the market. Any guarantee applies only at maturity or death, only as stated in the contract, and is subject to reductions and the terms of the information folder and Fund Facts for the contract. Past performance does not predict future results.
The firm does not provide tax or legal advice. The firm is not licensed to deal in securities or mutual funds, and does not advise on them. Where a file needs a lawyer, an accountant or another licensed professional, the firm says so — and coordinates.
Start with a review. Short note. Straight answers.
Services
Start with the problem. We build the plan from there.
Banks. Credit unions. Non-bank lenders. Private capital. One standard, every file.
Term financing for owner-occupied and investment commercial real estate, structured around the property and the business behind it.
02Purchases, refinances and expansions of warehouses, factories and industrial condos.
03Working capital, equipment and growth financing. Bank loans, government programs and other lenders, brought together in one plan.
04When a bank says no, we review why it said no, rebuild the file, and present it to lenders whose rules fit it.
05Purchases, refinances and renewals through Homeloans Canada — with the same structuring discipline applied to the family balance sheet.
06For homeowners 55+, equity released from the home with no required monthly payments while you live in the home and meet its terms. Interest accrues and reduces equity over time.
07Segregated funds. Insurance-based savings. Insured mortgage advice. Advice only. Nothing sold here.
*Conditions apply. Borrower must qualify. No financing is guaranteed. Every application is assessed on its merits and approved by the lender. Government programs — CSBFP, BDC, FedDev Ontario, SR&ED — are subject to program eligibility and change without notice.
Watch — Reverse Mortgages
Service 06, in sixty seconds: for homeowners 55+, a reverse mortgage releases equity from the home with no required monthly payments while you live in the home and meet its terms. Interest accrues and reduces equity over time — the trade-off, stated plainly, before any decision.
Ages 55+
Watch — The Funding Desk
One rule per video. The ones banks don’t lead with.
Plain language. No hype. Watch here — every play counts on the channel.
RRSP
File Friday
Medical
Disability Credit
Ages 55+
Home Equity
Power of Sale
Short-form videos from the Funding Desk. General information only — not personal advice. *Conditions apply. Borrower must qualify.