Asset-backed private lending focused on short-term real estate financing across Canada.
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The Pacific Capital Mortgage Fund provides investors with access to a diversified portfolio of short-term, real estate–secured loans across Western Canada. The fund focuses on lending to experienced real estate sponsors and developers, with all investments secured by registered mortgages on residential, multifamily, and light commercial properties.
Through disciplined underwriting, conservative loan-to-value structures, and active loan management, the fund aims to generate consistent income while prioritizing capital preservation. By maintaining a collateral-first approach and defined exit strategies for each loan, Pacific Capital seeks to deliver stable, risk-adjusted returns for investors.
The fund originates short-term bridge, acquisition, renovation, and construction-completion loans throughout British Columbia and Alberta. By building a diversified portfolio across projects, property types, and loan structures, the strategy seeks to generate attractive yields while managing downside risk.
Loans are typically structured with terms of 6–36 months and secured by first or second mortgage positions, with conservative combined loan-to-value ratios. Each investment is underwritten based on sponsor experience, project fundamentals, and clearly defined exit strategies such as refinance, stabilization, or property sale.
Loan pricing varies depending on collateral quality, loan structure, and borrower experience. In general, loans within the portfolio may generate gross interest rates ranging from approximately 6% to 18%, depending on lien position and risk profile.
All investments are secured by registered mortgages on residential, multifamily, or light commercial real estate.
This collateral-first approach provides tangible asset backing and an additional layer of capital protection.
Loan terms are typically 6-36 months, interest-only, amortizing where appropriate.
Each loan is supported by thorough underwriting, third-party appraisals, and ongoing oversight throughout the loan term.
Construction and renovation projects are monitored through draw controls and inspections to safeguard investor capital.
Pacific Capital applies a disciplined underwriting framework designed to mitigate risk and protect investor capital.
We evaluate borrower experience, track record, liquidity, and exit strategy before originating any loan.
Independent third-party appraisals are used alongside conservative valuation assumptions. Construction and renovation projects may also require periodic property inspections.
Loans may include interest reserves, draw certifications, contractor oversight, insurance requirements, and title protections to safeguard the collateral.
In the event of borrower distress, Pacific Capital employs structured escalation protocols, legal enforcement mechanisms, and asset management strategies to protect investor capital and maximize recovery.
