Every question Alberta homeowners ask about equity lending.

B2 Capital Corp. is an Alberta equity lender arranging residential and commercial financing, guided by professionals with lending experience dating back to 1980. We are known as the House of Equity because every file is underwritten on the value of real property and a clear exit strategy rather than on rigid income ratios.

Equity based lending means the decision is driven by the appraised value of the property, the amount of equity behind the loan, and how the loan will eventually be repaid. Traditional lenders start with your income documents and credit score. We start with your property.

We fund residential and commercial files across Alberta, including Calgary, Edmonton, Airdrie, Red Deer, Lethbridge, Medicine Hat, Grande Prairie, Fort McMurray, Okotoks, Cochrane, St. Albert, Sherwood Park and the surrounding communities.

Rate quotes are issued within 2 hours during business hours. Many clients are approved the same day they apply and receive funds shortly after conditions are satisfied.

A lender reviews your equity position and the purpose of the funds, then contacts you with a rate quote and the short list of conditions required to fund. There is no obligation to proceed after receiving a quote.

Submitting the online application does not pull credit. Credit is only reviewed later in the process if it is relevant to the file, and it is never the deciding factor in an equity based approval.

No. Applying and receiving a rate quote is free. Any lender or brokerage fees are disclosed in writing in the commitment before you sign anything.

No. Applications, document collection and signing are handled remotely for most clients anywhere in Alberta.

No. There is no minimum credit score. Approvals are based on appraised value, the equity position and a clear exit strategy, so a bruised credit history does not automatically stop a file.

No. We do not underwrite to GDS or TDS service ratios, which is the main reason clients who are declined by banks are still able to move forward with us.

No. CRA documents are not required. That makes the process far simpler for self employed borrowers, commission earners, contractors and newcomers with a short Canadian income history.

Yes. Self employed borrowers are one of our largest client groups precisely because income verification is not the gate. Your equity and exit strategy carry the file.

Often yes. A discharged bankruptcy or an active consumer proposal does not automatically disqualify you. We look at the current equity position and whether the new loan improves your situation.

Arrears are a common reason people call us. If there is enough equity behind the property, arrears can often be paid out from the loan proceeds as part of the funding.

Typically identification, a current mortgage statement, property tax details, insurance information and, for some files, an appraisal. The list is short and is confirmed with your rate quote.

Yes. Commercial and investment files are regularly funded in a corporate name, with the usual personal covenant considerations discussed up front.

Yes. All registered owners on title participate in the mortgage documents. Adding a co-borrower with additional equity can also strengthen a file.

Personal files start at $50,000. Commercial files typically run from $300,000 to $1,000,000. Larger requests are considered case by case where the equity supports it.

Loan to value is set file by file, based on the property, the equity position including any mortgages that remain on title, and the exit strategy.

Take the appraised value of the property, multiply it by the loan to value we can support, then subtract the balances of any mortgages that will stay in place. What remains is the capital available to you.

Rate is driven by the loan to value, the property type and location, the position of the charge on title and the strength of the exit strategy. Lower loan to value and a clean exit produce the sharpest pricing.

Many of our programs use interest only payments so the monthly cost stays as low as possible during the term, which is especially useful during construction or a short bridge period.

Terms are typically short, often 6 to 24 months, because equity financing is designed as a bridge to a stronger long term position rather than as a permanent mortgage.

An exit strategy is how the loan gets repaid, such as refinancing with a bank, selling the property, or completing and renting a suite. A clear exit is the single most important part of an equity approval.

Prepayment terms are set out clearly in your commitment before signing. Many clients intentionally repay early once they refinance or sell.

Equity lending typically involves lender and brokerage fees, plus third party costs such as appraisal and legal. Every cost is disclosed in writing in your commitment, with no surprises at closing.

Yes. Second mortgages are a core program. Your existing first mortgage stays untouched so you keep your current rate on it.

We fund the construction of a legal secondary suite. Payments stay interest only while the build is underway, the finished suite is rented, the rent helps carry your mortgage, and the improved property value supports a refinance later.

A properly permitted, rentable suite adds both livable space and income potential, which appraisers recognise. It generally lifts value more than a comparable unpermitted finish.

Yes. A legal suite requires municipal permits and inspections. Financing is structured around a compliant build, since compliance is what protects both the value and the rental income.

In many Alberta neighbourhoods a legal suite generates enough monthly rent to cover a substantial share of a typical mortgage payment. The exact figure depends on your city, layout and finish level.

Most clients refinance into long term financing on the improved value and keep the ongoing rental income. That refinance is the built in exit strategy for the loan.

Yes. The same equity based approach applies to other approved secondary suite formats where the municipality permits them.

Yes. Consolidating high interest cards, lines of credit and consumer loans into one secured payment is one of the most common reasons clients borrow against equity.

Clearing revolving balances usually lowers credit utilisation, and a single predictable payment is easier to keep current. Both tend to help over time, though results depend on your overall habits.

Yes. Kitchens, bathrooms, roofs, windows, structural work and full remodels are all fundable, including projects that traditional lenders will not advance on.

A bridge loan covers the gap when you buy before you sell, need a deposit released quickly, or must close on a firm purchase while your existing property is still on the market.

Yes. Owners frequently unlock residential or commercial equity to fund working capital, payroll, inventory, equipment or an acquisition.

Yes. Releasing equity from an existing property to fund a down payment on another is a routine structure, provided the combined position and exit strategy are sound.

In many cases yes. Clearing registered claims against title is often a condition of funding rather than an obstacle to it.

Detached and semi detached homes, townhouses, condominiums, rental properties, multi unit residential, mixed use buildings and many commercial property types across Alberta.

Often yes, with attention to marketability, services and access. Rural files are reviewed individually.

An appraisal is usually required because value drives the decision. Where a recent appraisal exists it can sometimes be relied on, which shortens the timeline.

The borrower covers third party costs such as the appraisal. The amount is disclosed in advance so there are no surprises.

Independent legal advice is part of a properly documented mortgage. Your commitment sets out what is required before funds are released.

Once conditions such as appraisal and signing are complete, funding commonly follows within days. Straightforward files can move considerably faster.

Yes. Equity financing is secured by a registered mortgage charge against the property, in first or second position depending on the structure.

Your application is used solely to prepare a rate quote and assess your file. Details are kept confidential.

No. A rate quote is an offer for you to consider. Nothing is binding until you review and sign a commitment.

Email Service@b2capital.ca or submit the application form on any page. A lender responds with a rate quote within 2 hours during business hours.

Send it anyway. Equity lending is judgment based, and unusual files are exactly the ones traditional lenders decline and we regularly solve.