Cross the Financing Gap with Confidence

Secure, Fast-Closing Bridge Loans for Alberta Real Estate Investors

In real estate, the space between securing an opportunity and securing long-term financing can be a dangerous gap. We provide the engineered financial bridge you need to span that gap. Move forward with firm, asset-backed private capital that secures your purchase today, keeping your project on track while the traditional pieces fall into place.

Apply for a Bridge Loan

Don’t Let a Timing Mismatch Sink Your Next Deal

When you’re waiting on a property sale to close, a payout to clear, or traditional bank financing to grind through committee, a ticking clock is your biggest enemy. If you miss your closing date, your deposit evaporates, and the deal falls through.

AJS Capital acts as your temporary foundation. We don't care about the bureaucratic friction that slows down traditional institutions. We look at the equity in your assets to build a secure, short-term funding span.

  • Close the Gap in Days: Stop watching the calendar. Our streamlined process gives you an unconditional green light while other buyers are stuck in underwriting limbo.

  • Protect Your Hard Earned Deposits: Don't let rigid bank timelines put your earnest money at risk. Use our capital to secure the asset now, and refinance comfortably 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

  • Flexible Short Terms (1 - 12 months): We don’t lock you into restrictive, long-term debt cages. We give you exactly enough financial runway to take off and transition to your permanent exit strategy.

  • Target LTV: Up to 75% of the Purchase Price against Alberra real estate.

  • Interest-Only Payments: Payment Structures: Keep your overhead light. By stripping away principal paydowns during the bridge phase, we ensure your cash flow stays fluid when you need it most.

  • Property Types: Single-family investments, multi-family, mixed-use, and commercial properties.

  • Speed: Term sheets issued in hours, funding available in days.

No Application Fee

No Appraisal Required

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

  • 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.

  • 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.

  • 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.

  • Never. All lender fees, commitment fees, and interest rates are clearly outlined on page one of your term sheet before you sign anything.

  • 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.

Submit Your Deal for Review