The System
Is Rigged
Bank underwriting was built around a T4 and a two-year average. It reads your write-offs as weakness and your best year as an anomaly. We read the whole business.
Rock Solid Advice Ontario-Wide Licence #13607
Mortgages That Hit Different
The bank said no. That is not the end of the song. We arrange alternative and private financing for Ontario business owners and self-employed borrowers who do not fit the bank's formula.
- 20+ Years Experience
- Bank Declines Welcome
- No T4s Required
- Rush Closings
Real solutions for real entrepreneurs
Traditional lenders don't get it. We do.
A bank reads line 15000 and stops. It sees your write-offs as weakness, your best year as an anomaly and your seasonality as risk. Twenty minutes at a branch counter and a decision that took you a decade to build gets returned across the desk.
We specialise in alternative lending for business owners and self-employed Canadians. When your business does not fit the bank's formula, we build a solution that does.
The Metal Edge
The System
We Forge
The Solution
Bank statement and stated-income programs, asset-based lending, second mortgages and private capital — structured around how you actually earn.
Built For
The Outliers
Incorporated owners, commission earners, contractors, restaurateurs, artists and independent operators. The files the branch sends back, we take on.
What we arrange
Twelve ways to get funded
One brokerage, a full shelf of lenders — prime, alternative and private. The first three are where most of our clients start.
Self-Employed Mortgages
Tailored options for business owners, contractors and freelancers with non-traditional income documentation.
Private & Alternative
Solutions funded by private lenders when the banks say no — built for unique income, credit or timing needs.
Credit-Challenged
Bad credit, low income or no documents? We find the lenders who will still give you a seat at the table.
Business Loans
Flexible funding to help your business grow, manage cash flow or move on a new opportunity.
Second Mortgages
Tap your home's equity for major expenses or debt consolidation, including lump-sum loans on fixed plans.
HELOCs
A flexible line of credit against your home's equity — borrow when you need it, repay as you go.
Refinance & Renewals
Lower your rate, access equity or consolidate debt — and explore better terms before you sign a renewal.
Investment & Commercial
Financing for rental portfolios, mixed-use and commercial property, structured for the numbers you run.
Bridge Loans
Buy the new place before the old one sells. Short-term financing that keeps the move seamless.
Purchase Mortgages
Secure the financing to buy your next property, with a solution that fits your budget and your plans.
First-Time Buyers
Step into ownership with guidance and mortgage solutions designed for a first purchase.
Reverse Mortgages
For homeowners 55+. Access your equity tax-free without selling or making monthly payments.
Not sure which one applies to you? That is what the free consultation is for — call 647.748.9010 and we will tell you straight.
Previously funded
Deals we closed
A sample of recent files funded by the Metal Mortgage team, from starter homes to seven-figure purchases.
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Oshawa, ON
$785,000
Funded by Daniel Char
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Arnprior, ON
$680,000
Funded by Jordan Dempster
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Markham, ON
$620,000
Funded by Daniel Char
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Orillia, ON
$619,000
Funded by Daniel Char
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Ottawa, ON
$602,000
Funded by Daniel Char
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Ottawa, ON
$573,000
Funded by Jordan Dempster
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Cambridge, ON
$573,000
Funded by Melanie Malijan
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Richmond Hill, ON
$544,000
Funded by Daniel Char
-
St. Catharines, ON
$523,000
Funded by Melanie Malijan
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Pickering, ON
$500,000
Funded by Daniel Char
-
Edmonton, AB
$472,000
Funded by Melanie Malijan
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Paris, ON
$457,000
Funded by Daniel Char
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Etobicoke, ON
$450,000
Funded by Melanie Malijan
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Ottawa, ON
$436,000
Funded by Jordan Dempster
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Russell, ON
$375,000
Funded by Daniel Char
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Belleville, ON
$350,000
Funded by Daniel Char
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Peterborough, ON
$300,000
Funded by Daniel Char
-
Kincardine, ON
$286,000
Funded by Daniel Char
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Brantford, ON
$250,000
Funded by Daniel Char
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Sudbury, ON
$228,000
Funded by Colin Kalverda
Funded amounts shown are the mortgage amounts arranged. Every file is different — yours will be too.
Who we ride for
The files banks send back
If your income arrives in a way a branch computer cannot parse, you are exactly who we set this brokerage up for.
Incorporated
Business Owners
You pay yourself last and write off everything you legally can. Your notice of assessment tells the bank a story that has nothing to do with your business.
Sole Proprietor
Self-Employed
Invoices, contracts, seasonal swings, a good year and a lean one. We underwrite the pattern, not a single line on a tax return.
Trades & Commission
Cash-Flow Earners
Draws, deposits and progress payments. If the money lands in the account, there is a lender who will count it.
Portfolio
Investors
Past the fourth door the big banks lose interest. We keep going — rentals, mixed-use, commercial and the equity to fund the next one.
How it runs
Four links in the chain
No mystery, no runaround. Here is exactly what happens between your first call and your funding date.
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Step 01
Consultation
A straight conversation about the property, the income and the timeline. No credit pull, no obligation, no sales pitch.
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Step 02
Strategy
We map your file against our lender network and come back with the realistic options — rate, term, cost and trade-offs in plain language.
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Step 03
Execution
We package the application the way the chosen lender wants to see it and push it through underwriting, chasing conditions so you do not have to.
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Step 04
Funding
Commitment signed, lawyer instructed, funds released. We stay on the file through closing and check in before your term is up.
Your broker
Daniel Char
Principal BrokerDaniel leads Metal Mortgage with a transparent, client-first approach backed by 20+ years in lending and strategy. He helps homeowners and investors make confident, informed decisions — tailoring mortgage solutions to each client's goals while keeping the process clear, timely and stress-free.
The promise is simple: a straight answer, fast. If a deal cannot be done, you will hear that on the first call rather than three weeks and one collapsed closing later.
0+
Years in the industry
0
Financing solutions
Ontario
Province-wide service
A team of experts by your side
The rest of the band
Daniel is backed by licensed mortgage agents working files right across Ontario.
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Colin Kalverda
Mortgage Agent
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Jordan Dempster
Mortgage Agent
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Melanie Malijan
Mortgage Agent
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Jovylyn Lacson
Mortgage Agent
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Shashi Barrenkula
Mortgage Agent
In their words
Break the mold
Daniel is extremely knowledgeable and very understanding. He was able to help me when no one else could, highly recommended.
Straight answers
No smoke, no mirrors
The questions we get asked most, answered the way we would answer them on the phone.
Still got questions?
One call, no credit pull, no obligation. We will tell you where you stand.
647.748.9010Yes — a bank decline is the most common way clients arrive here. Banks apply one set of rules; we work with a network of alternative, monoline and private lenders who each apply their own. A file that fails at a branch very often clears somewhere else, at a different rate and structure.
Depending on the lender, we can work from business bank statements, financial statements, contracts and invoices, or an asset-based approach — rather than the two-year average of line 15000 that a bank relies on. Writing off expenses to reduce tax should not disqualify you from a mortgage.
More than a prime bank mortgage, and that is the honest trade-off. Alternative and private lending carries a higher rate plus lender and broker fees, and it is usually a shorter term. We quote the full cost in writing before you commit, and most clients use it as a bridge — one to three years — while we work on a plan to move them back to prime pricing.
Rush and last-minute closings are a core part of what we do. Timelines depend on the lender, the property and how quickly documents come back, so the fastest thing you can do is call and tell us the actual closing date.
On most prime and alternative deals the lender pays the brokerage, at no cost to you. Private mortgages and complex commercial files typically involve a broker fee, which is disclosed in writing and agreed before any application goes out. You will never see a surprise on a commitment.
Metal Mortgage Inc. is licensed in Ontario, FSRA Brokerage Licence #13607, and serves clients across the province from our office in Toronto.
Get started
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Ready to crank up your next move?
One conversation is all it takes to find out whether there is a deal here. There is no cost, no credit check and no obligation.