Asset-Backed Real Estate Capital for Alberta’s Fast-Moving Market
Bridge the gap between properties or unlock the equity in your current holdings. We provide short-term, asset-based financing for homeowners and investors who need speed and common-sense underwriting over bureaucratic bank delays.
Common-Sense Underwriting. No Black Box Algorithms.
At AJS Capital, we believe your credit score shouldn’t be the only thing that defines your opportunity. We are asset-first lenders. Whether you are navigating a tight closing window on a new home or looking to consolidate debt via your property's equity, we focus on the value of your real estate and the strength of your exit strategy.
We provide the manual control and personal oversight that traditional institutions lack, ensuring every deal is structured to fit your specific financial timeline.
Real Estate Programs
Second Mortgages & Equity Loans
Leverage your equity without breaking your first mortgage.
If you have a low-interest first mortgage, breaking it to access cash is a mistake. We provide second mortgages that sit behind your current lender, allowing you to access up to 75% of your home’s value.
Purpose: Home renovations, debt consolidation, or business investment capital.
The Edge: We prioritize the property’s equity over the borrower's traditional income verification.
Residential Bridge Loans
Close on your next home with confidence.
Our bridge financing is designed for Alberta homeowners who have purchased a new property but haven’t yet closed the sale on their existing one.
Term: 1 - 4 months
Purpose: Down payment coverage and closing cost gaps.
The Edge: Funding in as little as 48 - 72 hours once a firm sale agreement is in place.
Alberta-Centric Expertise: We live and work in the Alberta market. We understand the nuances of our major cities like Calgary, Edmonton, Red Deer and our growing rural centers.
Speed of Execution: In real estate, time is often more valuable than the interest rate. We pride ourselves on rapid term sheets and even faster funding.
Transparent Cost of Credit: No hidden fees or "surprise" clauses. You’ll receive a clear Alberta Disclosure Statement detailing every cent before you sign.
Direct Access: You deal directly with the decision-makers. No loan committees, no automated rejection emails.
Why Partner with AJS Capital ?
Ready to Unlock Your Property’s Potential?
Stop waiting for bank approvals that take weeks. Let’s look at the asset and get your deal funded.