Close the Deal Today. Transition Tomorrow.
In real estate investing, speed is your biggest competitive advantage. Secure fast, short-term liquidity to win competitive bids and close time-sensitive acquisitions while you finalize your long-term bank financing.
Because the Best Deals Don’t Wait 60 Days.
You found an off-market multi-family building at a massive discount, but the seller demands a 15-day close. If you write an offer with a 60-day "Subject to Financing" condition, a traditional bank will take weeks to review the rent rolls, and you will lose the deal to an all-cash buyer.
The AJS Solution: We act as your cash-equivalent partner. AJS Capital provides the fast, short-term capital required to acquire the asset immediately. We bridge the gap, giving you the runway to secure the property now, stabilize the operations, and comfortably refinance with a traditional "Big 5" bank or CMHC later.
The Power of Bridge Capital
Win with Firm Offers
Drop the financing conditions. Use our bridge capital to submit firm, highly attractive offers that beat out the competition on wholesale deals, power-of-sales, and private listings.
The Stabilization Period
Banks won't touch a multi-family building with 50% vacancy. We will. Use our bridge loan to buy the distressed asset, fill the empty units to stabilize the rent roll, and then refinance at a higher valuation.
Portfolio Repositioning
Need to quickly close on a new property before the sale of your old property clears? We bridge the transaction using the equity across your portfolio.
Rescuing Maturing Debt
Have a private loan or VTB (Vendor Take-Back) maturing before your new long-term financing is ready? We provide the quick liquidity to pay off the maturing note and prevent default.
We Underwrite the Asset and the Exit.
Bridge capital is a strategic tool, not a permanent mortgage. Because we are an agile, Alberta-based private lender, we strip away the bureaucracy. We focus heavily on the Asset Value and the "Take-Out" (your exit strategy). If the property holds strong equity and you have a clear, realistic plan to pay us off—whether through a retail sale, a CMHC refinance, or a traditional bank loan—we will fund the gap so you can execute.
Bridge Loan Guidelines
Rates: As low as 9.75%*
Terms: Ultra-flexible 3 to 12-month terms engineered specifically for short-term funding.
Target LTV: Up to 75% of the Purchase Price against Alberra real estate.
Payment Structures: Interest-only payments, or pre-paid interest reserves built into the loan so you have zero out-of-pocket monthly payments while you stabilize the property.
Property Location: Urban and strong sub-urban markets across Alberta.
Property Types: Single-family investments, multi-family, mixed-use, and commercial properties.
Terms: Flexible 6 to 24-month terms designed specifically for the rehab lifecycle. Interest-only payments to keep your holding costs low.
Speed: Term sheets issued in hours, funding available in days.
No Application Fee
No Appraisal
No Pre-payment Penalty
* Rates are based on loan terms, borrower qualifications, LTV, and property factors and are subject to change. Non owner-occupied rental properties only.
Investor Bridge Loan FAQs
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We want to see a highly probable path to repayment. This usually means a clear timeline for a retail sale, an executed purchase agreement from a buyer, or a clear plan to stabilize the property to meet the debt-service requirements of a traditional bank refinance.
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Yes. Because bridge loans are meant to be temporary, we offer highly flexible terms that allow you to pay off the principal as soon as your long-term financing clears, minimizing your overall interest costs.
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Yes. We can do cross-collateralization (blanket mortgages). If you lack the required down payment for a new acquisition, we can register against the equity in your existing Alberta rental properties to fund 100% of the new purchase.
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Never. All lender fees, commitment fees, and interest rates are clearly outlined on page one of your term sheet before you sign anything.
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No. AJS Capital strictly provides commercial, business-purpose alternative financing for active real estate investors. We only lend on physical real estate assets located within Alberta, Canada.
Need to close fast? Let’s get to work.
Discuss your timeline directly with our underwriting team. Once funded, track your bridge facility's balance and payoff date with 100% transparency through our secure loan management platform.