Small balance commercial loans

At Keystone MIC, we’ve built our reputation on providing fast, flexible private mortgage solutions for residential borrowers across Atlantic Canada. As our network and expertise have evolved, so too have the opportunities we’re able to support.

We’re excited to announce that Keystone now offers small balance commercial loans up to $1 million, providing interim financing for properties in urban areas across Atlantic Canada.

What We’re Looking For

We’ll consider a range of commercial asset types, including multi-unit rentals, light industrial, mixed-use, retail, and office properties. These loans are ideal for situations where traditional lenders may not be the right fit — such as:

• Projects nearing completion that require interim financing

• Properties awaiting tenant occupancy or stabilized income

• Borrowers seeking quick turnaround or flexible structure

Recent Example: Light Industrial Building in Port Williams, NS

A recent deal highlights the type of opportunities Keystone can support.

We funded a $525,000 loan secured by a light industrial property in Port Williams, Nova Scotia. The building was over 90% complete and featured a two-storey office section with a rear workshop. Shortly after funding, a new tenant moved in under a long term lease.

• As-complete value: $1.5 million

• Estimated construction cost: $900,000

• Loan purpose: To payout a small first mortgage and complete construction

• Borrower profile: Self-employed, experienced builder with a strong track record, solid credit, and meaningful net worth

This loan is a great example of how Keystone’s private commercial financing can help bridge the gap to project completion and occupancy — quickly and efficiently.

Let’s Talk Commercial Financing

If you have clients with small balance commercial financing needs, we’d love to hear from you.

📩 Reach out today to discuss your next deal and see how Keystone can help get it funded.