Define the transaction
Purchase, refinance and equity release have different requirements. Start with the property, ownership structure, intended use and closing timeline.
Assess the cash flow
Commercial lenders may review business financials, lease terms, rent rolls and operating expenses alongside borrower strength and property value.
Prepare for due diligence
Appraisal, environmental review, leases, corporate records and legal work can affect timing and cost. Establish a realistic financing and closing schedule early.
A useful starting checklist
- Purchase agreement or financing summary
- Business and property financial statements
- Rent roll and leases where applicable
- Corporate structure, net worth and equity source
Continue your planning
Read the related mortgage guideFocus the first conversation
Bring the property, your business plan and your timeline. Amir Fetanat helps business owners and property investors organize a financing review for owner-occupied premises, income-producing property and commercial refinancing in British Columbia.
| Your situation | What to discuss |
|---|---|
| Owner-occupied premises | Your operating business, space needs, purchase budget and cash flow |
| Investment property | Leases, rent roll, operating expenses and the ownership structure |
| Mixed-use property | Residential and commercial components, occupancy and income for each part |
| Refinancing | Existing debt, the purpose of new funds and the proposed repayment plan |
How the financing review works
Define the request
Confirm the property, borrower, intended use, amount requested, equity and closing objective.
Organize the evidence
Match the transaction summary to current financial statements, property records, leases and ownership information.
Compare a lender-specific structure
Review proposed loan amount, borrower contribution, rate, fees, amortization, security and conditions together.
Plan the conditions and closing
Identify third-party reports, legal work, information gaps and financing dates before relying on subject removal.
Commercial financing document checklist
Use this as a starting point. The exact records depend on the borrower, property, transaction and lender.
- A one-page transaction summary with the amount requested, use of funds and target date
- The purchase agreement, property details and intended use, when available
- Current business and property financial statements, plus interim results where relevant
- Rent roll and major leases for an income-producing property
- Borrower ownership, available equity and a traceable source of funds
- Known appraisal, environmental, building-condition or legal requirements
A practical starting example
Planning to buy premises for your business? In your first message, tell Amir Fetanat whether the business will occupy the entire building or share it with tenants. That helps focus the initial conversation.
Common questions
What should I prepare before making an offer?
Start with the property details, available equity, financial statements and your intended use. Discuss financing timing before relying on a subject-removal date. BDC recommends preparing current financial statements, a business plan and property information.
Does a commercial mortgage cover the whole purchase price?
The financing structure needs a file-specific review. Ask for a written breakdown of borrower funds, loan proceeds, fees and closing costs. Do not assume that one advertised program applies to your property.
What due diligence might affect the financing?
Depending on the property and lender, the review may involve an appraisal, environmental assessment, building-condition work, leases, title and legal documentation. Confirm the required provider and scope before ordering a report.
Can I discuss a property before I have every document?
Yes. Send a short inquiry with the property type, city, purchase or refinance objective and target date. Amir Fetanat can then identify the records needed for the next review.
Public reference, checked October 5, 2026: BDC: preparing for commercial property financing. Program rules differ. This page is general planning information.
Discuss your commercial property
Share your goal, location and timing. Send financial documents only through the secure application channel.