Small Business Loan Broker in the GTA
As a small business loan broker GTA entrepreneurs trust, I help business owners across Toronto, Mississauga, and the GTA access the capital they need to grow, expand, or stabilize operations. 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.
Small Business Loan FAQ
What types of small business loans are available in the GTA?
Options include term loans, lines of credit, equipment financing, SBL (Small Business Loan) government-backed programs, and commercial mortgages. As your small business loan broker GTA, I match you to the program that fits your revenue, credit, and timeline.
How much can I borrow?
Government-backed SBL loans go up to $1 million ($350K for equipment and leaseholds, $1M including real property). Private and alternative business loans range from $50K to $5M+ depending on your business profile and assets.
Do I need collateral for a business loan?
Some programs are unsecured for smaller amounts. Larger loans typically require real estate, equipment, or personal guarantees. I structure your application to maximize approval odds while minimizing your personal risk exposure.
Related Services for Business Owners
Small business loan broker GTA clients also benefit from:
- Commercial Mortgages — Buying or refinancing your business property? I handle commercial mortgage files alongside business loans.
- Self-Employed Mortgages — Need a residential mortgage too? I know which lenders are flexible with business-owner income.
- Private Mortgages — When speed matters more than rate, private lenders can fund deals traditional banks won’t touch.
- HELOC — A HELOC on your home or commercial property can supplement business financing with lower rates.
- Mortgage Refinancing — Refinance existing property to unlock capital for your business without a separate loan.
Get the CSBFL Guide — Free
A plain-English Ontario 2026 breakdown of what the Canada Small Business Financing Loan covers, current loan limits, lender appetite, and the documentation banks want to see.