Small Business Loan Broker in the GTA
Working capital, equipment, expansion, or real estate — financing for GTA business owners who don’t fit the bank’s script.
Bank small business loans work great if your business has three years of clean financials, steady revenue, and a personal guarantee from an owner with pristine credit. If anything about that sentence doesn’t describe you, you’re looking at a declined application or a painfully slow process. There are better options.
I’m Kevin Singh Dhaliwal, a GTA-based broker with 12+ years of experience in business and real estate financing. I work with alternative lenders, MICs, and private capital sources who fund real business deals on real timelines — not bank committee calendars.
What I Fund
- Working capital and cash flow loans
- Equipment financing and leasing
- Owner-occupied commercial real estate (buy your own space)
- Business acquisition financing
- Commercial bridge loans for time-sensitive opportunities
- Real-estate-backed business loans (pulling equity from commercial or residential property)
- Refinancing existing expensive business debt into something cheaper
How It Actually Works
- Bank business loans: Best rates, slowest process, strictest qualification. Great if you fit.
- Alternative lenders: Flexible on financials, revenue-based underwriting, faster turnaround. Rates sit above bank but well below credit cards.
- Real-estate-secured business loans: If you own property (commercial or residential), you can often borrow against it at much lower rates than an unsecured business loan.
- Private capital: For deals that don’t fit traditional boxes — acquisitions, bridge, distressed situations.
I’ll map out which path costs you the least and funds you fastest for what you actually need.
Why Work With Me
- 12+ years of GTA financing experience across business and real estate
- Access to banks, credit unions, alternative lenders, MICs, and private capital — not just one lender’s product
- Real-estate-backed structures that drop your effective cost of capital
- Speed — I know which lenders actually close quickly vs the ones who quote fast and fund slow
- Honest advice on whether to borrow at all, or fix the underlying cash-flow issue first
My Process
- Discovery call — 20 minutes, no cost. Tell me what the capital is for and the timeline.
- File review — I look at your business financials, personal credit, and any real-estate assets to map out your options.
- Lender matching — I shop your deal to the lenders most likely to fund it at the right rate.
- Approval and close — I stay with you through conditions, documentation, and funding.