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Investment Loans

B

y working in concert with financial advisors across Canada, we’ve been able to develop an investment lending program that’s not only right for you but right for your clients. It’s also helped us to define what's most important to you when it comes to investment loans:

It’s All About Value, Choice and Ease

VALUE
  • Loan maximums of up to $250,000 means you can consolidate all your business with a single loan supplier 
  • Highly competitive rates make borrowing more affordable for more of your clients
CHOICE
  • Broad fund eligibility with over 97% of industry assets qualifying as eligible collateral
  • Flexible options include margin call or no margin call and interest only or principal plus interest payments 
     
EASE
  • Less documentation for all loans under $100,000 makes the process easier
  • Quick turnaround - applications reviewed within one business day with next day funding 

 


The Right Loan to Fit Every Client

Our loans are designed with your clients’ needs in mind.  What's their investment objective? Do they have collateral to pledge?  What's their risk tolerance? The answers to these questions will help determine the investment loan best suited to them. Our suite of products includes:

 

100% Investment Loan:
B2B Trust finances 100% of the investment.
   
2 For 1 Investment Loan:
B2B Trust lends up to two times the dollar amount pledged (in cash or in kind).
   
1 For 1 Investment Loan:
B2B Trust matches the dollar amount pledged (in cash or in kind).


Investment Loan Program Overview

Loan Details

100 %

2 For 1

1 For 1

Loan Amount

$10 000 - $250 0001

Loan-to-Value (LTV) at Approval

100 %

66.6 %

 50 %

Margin Warning

110 %

75 %

 75 %

Margin Call

120 %

85 %

 85 %

Excess Collateral Release2 (considered when LTV reaches the following)

< 100 %

< 66.6 %

 < 50 %

Proof of Assets3

All loans > $100K

Not required

 Not required

Proof of Income -
Salaried 
Notice of Assessment and pay stub

All loans > $100K

Not required

 Not required

Proof of Income - Commissioned
Last two years – Notice of Assessment

All loans > $100K

Not required

 Not required

Proof of Income - 
Self-Employed
Last two years – Notice of Assessment and Financial Statements

All loans > $100K

Not required

 Not required

Total Debt Service Ratio (TDSR) Guideline

40 %

Not required

 Not required

Net Worth Minimum

1 x loan amt if < $100K
1.5 x loan amt if > $100K

Not required

 Not required

Credit History

All obligations must be up-to-date and paid as agreed. No bankruptcies, collections or judgments.

Funding

Funding within one business day of loan approval.


 

1Loan applications for amounts greater than $250,000 are welcome, however, credit qualification criteria, documentation requirements and processing time may vary; net worth guideline for loans over $250,000 is 2x.

2 The LTV ratio of the loan must remain below the values shown after collateral is released. A credit bureau may be obtained prior to collateral release. 

3 Additional documents may be requested at the discretion of B2B Trust.

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