Consolidate Debt. Clean Up Your Balance Sheet.
Real estate investing can get messy. We provide the asset-backed capital you need to pay off CRA arrears, consolidate multiple private lenders, and simplify your corporate balance sheet so you can return to traditional bank financing.
The Path Back to A-Tier Financing
Scaling a real estate portfolio requires leverage, but sometimes that leverage gets fragmented. You might have a 2nd mortgage on one property, a 3rd mortgage on another, maxed-out unsecured credit lines, or pending CRA tax arrears from a previous project.
The Problem: When your corporate balance sheet is cluttered with multiple high-interest debts, traditional "Big 5" banks will instantly decline your refinance applications—even if your properties are cash-flowing.
The AJS Solution:
We use the trapped equity in your existing real estate assets to wipe the slate clean. We provide a single, consolidated hard money loan to pay out your expensive private lenders, settle tax debts, and stop foreclosure proceedings. By rolling your fragmented debt into one manageable, interest-only payment, we give you the breathing room to stabilize your portfolio and prepare for a traditional bank refinance.
Common Debt Consolidation Use Cases
Paying Off CRA & Tax Arrears
Buy a distressed property under market value, use our capital to fund a heavy renovation, and sell it on the retail market for a maximum profit.
Consolidating Private Lenders
Juggling multiple 2nd and 3rd mortgages with different lenders at varying interest rates is stressful and expensive. We roll them into one clean, manageable AJS Capital loan.
Foreclosure Rescue & Forbearance
If a project went over budget and a lender has filed a statement of claim, speed is critical. We act fast to pay out the hostile lender, stopping the foreclosure and saving your equity.
Credit Rebuilding & Stabilization
Maxed-out credit cards and unsecured lines of credit destroy your credit score. Consolidating that debt against a hard asset lowers your utilization rate, helping rebuild your beacon score for future bank loans.
Consolidation Loan Guidelines
We leverage the intrinsic value of your Alberta real estate to provide the liquidity you need.
Max Leverage: Up to 75% Loan-to-Value (LTV) on stabilized residential and commercial properties.
Direct Payouts: We manage the payouts directly to your creditors, lenders, or the CRA through our legal counsel to ensure clean title.
Zero Pre-Payment Penalties: Our goal is to help you transition back to traditional financing. We never penalize you for paying us off early.
Interest-Only Payments: Simplify your cash flow with one predictable monthly payment.
Terms: Flexible 6 to 24-month terms to give you enough time to clean up your credit and secure an A-lender exit.
No Application Fee
No Appraisal Required
No Pre-payment Penalty
No Income Verification Required
* Rates are based on loan terms, borrower qualifications, LTV, and property factors and are subject to change. Non owner-occupied rental properties only.
Consolidation FAQs
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To properly secure our mortgage and ensure your balance sheet is actually cleared, our legal counsel will orchestrate the direct payouts to your existing private lenders, the CRA, or your creditors on closing day.
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Yes. Because our loans are asset-backed, we underwrite based on the equity in your real estate, not your current credit score. In fact, many investors use our consolidation loans specifically to pay off debts and repair their credit scores.
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Yes, provided there is sufficient equity remaining in the property (up to our 75% LTV maximum). If the math works, we can move quickly to pay out the foreclosing lender and put your project back on solid ground.