Lower costs
Better rates, lower fees and less costly reporting requirements.
Recently secured$120,000+
in savings for an Okanagan civil contractor, plus a freed-up credit line.
We secure the best possible commercial financing for your specific needs.
Corporate debt advisory and commercial real estate financing for business owners, developers and investors. Based in Kelowna and working across Western Canada.
- in debt advisory engagements
- Close to $400M
- Canadian lender relationships
- 115+
What we do
We aren't a lender. We work for you, taking your financing to the banks, credit unions and non-bank lenders best suited to it and negotiating the terms on your behalf.
We're former commercial lenders ourselves, so we know which parts of a financing package are negotiable, which lenders suit which deals, and when a rate is competitive. Most clients engage us to lower their borrowing costs, secure additional leverage or gain flexibility.
How we workCorporate debt advisory
Financing for business owners.
Our combined background in commercial lending, banking, law, M&A and accounting means we've sat on both sides of the negotiating table. We help with:
- Owner-occupied real estate financing
- Cash-flow term debt for growth or acquisition
- Operating lines of credit
- Corporate credit cards
- Revolving credit lines for equipment
Commercial real estate
Financing for developers and commercial real estate investors.
Whatever the project, asset class or primary financing goal, we handle the full range of commercial real estate financing.
- Income and investment properties
- CMHC-insured multifamily (5+ units)
- Conventional and high-leverage construction
- Owner-occupied real estate
- Equity takeouts
- Bridge financing and subordinated debt
- Condo and townhouse inventory
- Specialized asset classes
- Land acquisition and preconstruction
Engagement goals
Most engagements come down to three goals.
Additional leverage
Higher approved limits, additional credit facilities and higher loan-to-value or loan-to-cost.
Recently secured100%
acquisition financing with no personal guarantees for an office services provider.
Greater flexibility
Pre-approved facilities, more favourable covenants and less stringent collateral requirements.
Recently secured$260,000+
of capital preserved for a managed IT firm, with no financial covenants.
How we work
Four steps from first meeting to financing approval.
The full process- 01
Strategy meetings
We learn your goals, sign an NDA if you'd like one, and review your preliminary information.
You receive: an Engagement Proposal
- 02
Underwriting
Detailed financial modelling, debt sensitivity analysis and market research set the optimal structure.
Lender receives: a custom Request for Financing package
- 03
Obtain offers
We circulate the package to selected lenders and negotiate terms while they compete.
You receive: indicative lender terms
- 04
Secure commitment
We rank the offers on rate, fees, collateral and terms, then complete final negotiations.
You receive: a formal financing approval
Your advisory team
We've sat on both sides of the negotiating table. Between us: commercial lending, banking, law, M&A and accounting.
Meet the team
Brian Stephenson, JD
Principal & Co-founder
Former Partner at Pushor Mitchell LLP, where he represented banks and lenders on hundreds of millions in lending transactions.
Cooper Harrison, CPA, CA
Principal & Co-founder
Led a team of mid-market bankers at one of Canada's leading chartered banks, and was AVP Finance at an M&A-focused TSX-V company.
Close to $400M in engagements, one client at a time.
All 30 success stories
$5,145,000$31,500+ in annual savings and four lending relationships consolidated into one for an Okanagan tire group
$3,765,000No personal guarantees and $40,000+ a year in savings for a multi-location auto parts retailer
$2,400,000Financing to bring a 24-hour gym to an underserved BC Interior market
$1,441,50085% LTV for an Okanagan HVAC contractor buying its own shop
What lenders say
“Lakepoint's approach and the quality of their Request for Financing packages are truly superior to anything else we've seen, enabling us to get deals done faster.”
Commercial Team Lead and Credit AdjudicatorChartered bank