Secure Rapid Funding with Hard Money Loans in Canada

Quick Access to Cash Without the Usual Red Tape

When traditional lenders say no—or if you simply can’t wait—hard money loans in Canada from Genesis Group offer a fast, asset-based solution. Whether you’re seizing an investment property, bridging a short-term gap, or managing a project under tight deadlines, our streamlined process and network of alternative lenders help get you the funds you need, often in days, not weeks.

Business Loans-the Genesis Group

Pain Points & Solutions: Why Hard Money Loans Matter

Pain Point 1: Traditional Banks Too Slow
Banks can drag out approvals, causing missed opportunities.
Solution: Hard money loans offer quick approvals, letting you move fast on urgent deals.

Pain Point 2: Unconventional Property or Credit Issues
Banks focus heavily on credit scores and property types.
Solution: With hard money lending, the property’s value is the main factor—your credit or unusual property usage is less of a barrier.

Pain Point 3: Short-Term Financing Needs
Sometimes you only need a loan for a few months.
Solution: Hard money is ideal for short-term transactions, like fix-and-flip or bridging financing.

Pain Point 4: Complex or Distressed Assets
Banks may reject older or distressed properties, even if they have huge potential.
Solution: Genesis Group works with lenders who understand real estate potential and focus on asset value.

Why Choose Genesis Group for Hard Money Loans in Canada?

  • Rapid Approvals: Get funding in days, perfect for quick-turnaround projects.
  • Flexible Terms: Tailored repayment schedules based on your exit strategy.
  • Property-Based Financing: Approval hinges on the property’s worth, not just your credit.
  • Decade of Expertise: Our award-winning brokers have 10+ years securing alternative loans.
  • No Hidden Fees: Transparent rates and terms, so you know exactly what you’re signing up for.

How Hard Money Loans Work

  1. Evaluate the Property: We examine location, condition, and potential value.
  2. Asset-Based Approval: Main emphasis is on your collateral’s worth, not lengthy credit checks.
  3. Quick Funding: You’ll often get the green light in days, not weeks or months.
  4. Exit Strategy: Pay off the loan upon property sale, refinance, or project completion.

Pro Tip: Even if banks say no, hard money loans may still be an option. For additional info on lending, check Government of Canada’s Financing Programs.

Who Benefits from Hard Money Loans?

  • Real Estate Investors: Fix-and-flip, short sales, or buying properties at auction.
  • Property Developers: Bridge financing during construction or major renovations.
  • Commercial Ventures: Seizing commercial real estate deals quickly.
  • Individuals with Low Credit: Borrow based on property value rather than just credit history.

What Our Clients Say

⭐⭐⭐⭐⭐ Experience Guaranteed

  • Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more

    Maria Woychyshyn Avatar Maria Woychyshyn
    11/13/2024

    My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more

    stephanie B Avatar stephanie B
    01/13/2023

    Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more

    Lui Vescio Jr. Avatar Lui Vescio Jr.
    12/13/2024
  • From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more

    Rohan Germain Avatar Rohan Germain
    01/13/2024

    If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more

    Samantha L Avatar Samantha L
    09/13/2024

    I had a great experience with The Genesis Group. The process was smooth, with clear communication and competitive rates. Their team was responsive and helpful throughout. Highly recommend!

    Breanna Bacik Avatar Breanna Bacik
    09/13/2024
  • Was a great experience working with Kirk and his team. They not only helped me refinance my mortgage on my house, they also assisted me in a commercial business acquisition.... read more

    Sean P. Avatar Sean P.
    02/21/2024

    My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more

    Laura Vescio Avatar Laura Vescio
    11/13/2024

    Had a great experience dealing with Brittney. Fantastic communication and really worked for me and my needs. Will never go anywhere else for my financial needs

    Mark Winter Avatar Mark Winter
    11/13/2024
4.6
Based on 35 reviews
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Ready to Unlock Hard Money Financing?

Don’t let strict bank rules or credit hurdles kill your real estate or business ambitions. Hard money loans in Canada are your quick path to capital—even when others say no.

Or Call Us: 1-866-404-3637 (Serving businesses and investors nationwide)

Frequently Asked Questions

How fast can I get funded?

Many deals close within a week. We focus on speed for time-sensitive investments.

Yes, they can be. Hard money compensates for higher risk and speed. But we find you competitive rates among alternative lenders.

No—hard money focuses on property value and your exit plan. Credit is secondary.

Typically, you’ll refinance, sell, or develop the property to repay your loan. We’ll help you structure this upfront.

More questions? Explore additional lending solutions at the Government of Canada Business Loans Programs or ask our friendly experts directly.

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5 Year - Variable

4.45%

This exclusive rate is available for High Ratio Mortgages and applies to both new purchases and some mortgage switches. With a guaranteed rate of Prime -1.00%, you’ll enjoy the freedom to make extra payments or increase your monthly payments by up to 20% per year.

And the best part? This is a full-frills mortgage—no hidden surprises or restrictive clauses like a bona fide sales clause!

Prime Rate @ 5.45%

4.45% - 5.50%

If you don’t qualify for our lowest advertised rate, don’t worry! We have other competitive options tailored to your needs. Factors such as your credit score and home equity will determine your final rate.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Open

4.95%

Enjoy a rate discount starting from Prime -0.50% for your term. This 5-year Adjustable Rate Mortgage (ARM) offers unmatched flexibility: pay it, lock it, break it, or change it—with no restrictions or penalties.

Perfect for insured, insurable, and uninsured new purchases and switches, this option is available for owner-occupied properties only.

Prime Rate @ 5.45%

4.95% - 6.75%

If you don’t qualify for our lowest advertised rate, don’t worry—there are still excellent low-rate options for you! Your final rate depends on factors such as your credit rating and home equity.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Fixed

4.24%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.24% - 5.69%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

4 Year - Fixed

4.59%

Take advantage of this competitive rate available for High Ratio purchases and select Insured transfers! Enjoy the flexibility of making up to 20% lump sum payments annually and increasing your regular payments by up to 20%. This is a full-featured mortgage designed to give you the freedom and flexibility you need. 

4.59% - 6.84%

If you don’t qualify for our lowest advertised rate, don’t worry—we’ve got a variety of low-rate options to fit your needs. The rates shown above reflect realistic scenarios and are influenced by factors like credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

3 Year - Fixed

4.39%

Take advantage of this fantastic rate available exclusively for High Ratio deals! With the flexibility to make up to 15% lump sum payments annually and the option to increase your regular payments by up to 15%, this is a full-featured mortgage that adapts to your needs. Lock in this rate for up to 120 days and plan your homeownership journey with confidence.

4.39% - 5.79%

Don’t worry if you don’t qualify for our lowest advertised rate—we’ve got you covered with a range of low-rate options tailored to fit your unique circumstances. The rates above reflect realistic scenarios based on factors such as credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

2 Year - Fixed

4.84%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.84% - 6.19%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

1 Year - Fixed

5.49%

Unlock this exclusive low rate for High Ratio purchases and Switches. Enjoy up to 20% lump sum payments annually and the flexibility to increase your payments by 20%! Plus, lock in this fully-loaded mortgage rate for up to 120 days—no hidden restrictions, just exceptional value.

5.49% - 6.99%

Even if you don’t qualify for our lowest rate, we’ve got plenty of low-rate options tailored to fit your unique situation. Your final rate depends on factors like your home equity and credit score, but with Genesis, you’ll always get the best-possible rate for your needs.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

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