Ontario Construction Lending
Construction Financing in Ontario
Staged draws aligned to your build milestones — not a bank's schedule. Private capital that moves at the speed your project demands.
A Strategic Tool for Builders
What is Private Construction Financing?
Private construction financing is short-term capital deployed in staged draws as your build progresses — secured against the land and the project itself. Unlike bank construction loans, private funding isn't locked into rigid inspection milestones that don't match how real builds work.
Investors, developers, and homeowners use private construction loans to move quickly on site acquisition, fund ground-up builds, and bridge to conventional financing once the project is complete.
At PMC, every construction deal includes a built-in exit strategy — we structure the loan with your conversion to conventional financing already mapped out.
Staged Draws
Capital released as each build phase completes — aligned to your actual milestones, not a bank's calendar.
Exit-First Lending
Every construction loan is structured with a clear path to conventional financing at completion.
FSRA-Licensed
Full regulatory protection and disclosure on every transaction in Ontario.
$2B+ Deployed
Over $2 billion in private capital across 6,500+ deals — including ground-up construction.
Who We Help
Built for Builders and Investors
Private construction financing in Ontario serves a range of project types and borrower profiles.
Real Estate Investors
Ground-up builds, infill development, and multi-unit construction beyond bank LTV limits. Private capital gives investors the speed and flexibility to move when opportunity is time-sensitive.
Developers
Site acquisition, servicing, and construction phasing require capital that matches development timelines. PMC funds at the pace your project demands — with draws that align to real milestones.
Homeowners
Major renovations, additions, or custom builds that exceed what a HELOC or bank construction mortgage can cover. PMC assesses the project and the exit — not just your T4.
Common Questions
Construction Financing Questions, Answered
Take the First Step
Submit Your Deal Snapshot
Tell us about your project. We'll assess the deal, structure staged draws aligned to your build milestones, and map your exit to conventional financing — same business day response.
What type of financing do you need?
Select option that best describes your situation
Purchase
Buying a new property
Refinance
Refinancing existing mortgage
Equity Take-Out
Access home equity
Bridge/Short-Term
Temporary financing
Construction/Renovation
Building or renovating
Debt Consolidation
Consolidating debts
FSRA-Licensed · Dalia Barsoum, 2× Broker of the Year · Same-day reply on most deals