Fast, Flexible, Private Hard Money Loans
For Alberta Real Estate Investors
Fast, asset-backed hard money. We provide the leverage you need for Fix & Flips, BRRRR projects, and commercial acquisitions when traditional lenders move too slowly.
Built by Investors, For Investors.
In real estate, timing is the difference between winning a deal and losing it. Traditional banks hate construction risk, they take 60 days to close, and they cap the number of properties you can hold in your portfolio. AJS Capital is an Alberta-based hard money lender designed specifically for real estate investors. We underwrite the asset value and the viability of your exit strategy—not just your personal T4. Whether you need fast rehab capital or bridge financing for a multi-family acquisition, we deliver certainty of execution.
Leverage Your Portfolio
Fix & Flip / BRRRR Loans
Buy, Rehab, Profit
Fast construction and acquisition capital. We fund distressed properties and major renovations so you can force appreciation and execute your flip or BRRRR strategy.
Rental Equity Loans
Unlock Trapped Equity.
Have heavy equity in an existing rental property? Pull that cash out for your next down payment, major rehab, or portfolio expansion without disturbing your first mortgage.
Investor Bridge Loans
Close the Deal Today.
Secure short-term liquidity to win competitive bids, close time-sensitive acquisitions, or stabilize a property while waiting for your long-term CMHC or bank financing to clear.
Commercial & Multi-Family
Scale Your Holdings.
Hard money for commercial properties, mixed-use buildings, and multi-family apartment buildings.
Why Alberta Investors Partner With Us
Speed & Certainty
We issue term sheets in hours and fund in days. When you write an offer, you can write it with absolute confidence.
Asset-Based Decisions
We care about the Loan-to-Value (LTV), the After Repair Value (ARV), and your exit strategy. If the math makes sense, we fund the deal.
Alberta Proud
We aren't a faceless national conglomerate. We are local lenders who understand the Western Canadian economy, real estate market, and industries.
No Minimum Credit Score
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No Minimum Loan Amount
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No Past Experience Required
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No Payout Penalty
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No Minimum Credit Score 〰️ No Minimum Loan Amount 〰️ No Past Experience Required 〰️ No Payout Penalty 〰️
Our Story
AJS Capital was founded on a singular belief: the real estate investors that drive the Western Canadian economy are fundamentally underserved by traditional finance.
When a growing Alberta investor needs capital to buy a new property, or refinance to improve the property or bridge a purchase, the "Big 5" banks rely on rigid algorithms, demand perfect historical tax returns, and take weeks to make a decision.
That is where we step in. As an independent, Principal-led hard money private lender, we make our own underwriting decisions. We don't judge you based on an automated credit score; we look at the hard equity in your real estate and the real-world cash flow of your business. We provide fast, common-sense capital that gives you the liquidity you need to execute your goals today, without the institutional red tape.
Stop waiting on the bank. Let’s fund your next project today.
Send us your property details, ARV estimates, and timeline for a fast, no-obligation quote.