What MCommercial does

MCommercial is a Canadian commercial mortgage brokerage founded by Michel Durand, operating from its headquarters in Saint-Laurent, Quebec, with additional offices in North York (Ontario), Calgary (Alberta), and Coquitlam (British Columbia). The firm matches borrowers with financing for commercial real estate transactions ranging from $2 million to $500 million, maintaining a network of over 100 institutional quality lenders spanning Vancouver to St. John's. Core service lines include multi-residential financing (CMHC and conventional, 25–40 year amortization, 15–20% LTV), commercial property financing (senior and student residences, medical, industrial, retail, office), and construction financing (land acquisition, bridge loans, mezzanine, equity, and inventory). MCommercial holds brokerage licenses in seven provinces and is an approved CMHC correspondent, enabling access to MLI Select (up to 95% financing) and RCFI (up to 100% financing) programs.

The firm generates revenue through transaction commissions on commercial mortgage placements, with pricing not publicly disclosed and tailored per deal. Its go-to-market is sales-led and relationship-driven, supported by a team of 16+ named professionals — predominantly former bankers from BMO, RBC, Desjardins, Morguard, and other major Canadian financial institutions. Distribution occurs exclusively through direct broker engagement with commercial property investors, developers, and multi-residential owners, supplemented by a content marketing blog and social media presence on LinkedIn, Facebook, and Instagram. Marketing channels are top-of-funnel oriented (blog and organic social), with email newsletters serving mid-funnel engagement.

MCommercial is privately held with no disclosed institutional investors, parent company, or external funding. Leadership is founder-controlled, with Michel Durand (CEO), Christianne Saab (VP Operations), Henri Zacharie (Senior Executive Director), and Alexander Durand (Head Underwriter) constituting the senior team. The firm self-describes as "the most nominated team in the industry" and emphasizes its turnkey, made-to-measure approach, 30+ years of combined team experience, and detailed project analysis as primary differentiators. There are no products, patents, proprietary technology platforms, or AI/ML capabilities disclosed — the business is structurally a human-capital and relationship-based brokerage.

Name

MCommercial

Legal name

MCommercial

Website

https://mcommercial.ca

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

MCommercial is a Canadian commercial mortgage brokerage matching borrowers with 100+ institutional lenders for $2M–$500M multi-residential, commercial, and construction real estate financings across seven provinces.

Ownership category

akta.pro rank

Headquarters

HQ city

Montréal

HQ country

Canada

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Commercial Mortgage Brokerage Commissions: MCommercial generates revenue through commissions on commercial mortgage transactions they facilitate between borrowers and lenders. As a mortgage brokerage, they earn fees based on the mortgage amount and terms negotiated for their clients.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

MCommercial is a commercial mortgage brokerage that connects borrowers with lenders for commercial real estate financing transactions ranging from $2 million to $500 million. The firm provides made-to-measure financing solutions across multi-residential, commercial, and construction property categories throughout Canada, leveraging access to over 100 institutional quality lenders and CMHC-approved correspondent status to source competitive terms for clients.

Product overview

MCommercial is a commercial mortgage brokerage offering a comprehensive suite of financing services for commercial real estate investments across Canada. The firm provides multi-residential, commercial, and construction financing through various programs including CMHC-insured products (MLI Select and RCFI). Services span purchase financing, refinancing, first and second mortgages with both variable and fixed rate options. The company operates with access to over 100 institutional quality lenders from Vancouver to St. John's, handling projects ranging from $2 million to $500 million.

Differentiator

Problem solved

Functional benefit

Products and services

• Multi-Residential Financing CMHC and conventional commercial mortgage financing for multi-residential properties (apartment buildings with 5+ units), offered with 25-40 year amortization and 15-20% LTV, with variable or fixed rates and short or long-term terms. Targeted at multi-residential property investors across Canada.
• Commercial Property Financing

Quantifiable outcome

• Contact within 24 hours of deal submission

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• CMHC (Canada Mortgage and Housing Corporation)coreStrategic or Co-development PartnerMCommercial is an approved CMHC correspondent, enabling them to offer MLI Select financing (up to 95% of financing) and RCFI programs (up to 100% financing) to eligible multi-unit residential projects. This partnership is central to their value proposition for new construction and multi-residential financing.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• CMLS Financial: CMLS Financial is one of Canada's largest independent commercial mortgage finance companies, originating, servicing, and securitizing commercial mortgages nationally. It directly competes with MCommercial in the Canadian commercial mortgage brokerage market, particularly for institutional-quality multi-unit and construction deals.
• Paradigm Quest: Paradigm Quest is a Canadian commercial mortgage brokerage operating nationally, similar in business model to MCommercial (transaction-fee, multi-province licensing, broker-driven). It is a directly comparable peer in the Canadian commercial mortgage intermediary space.
• Mortgage Architects: Mortgage Architects is a Canadian mortgage brokerage network operating across multiple provinces. While more residential-focused, it competes with MCommercial on the commercial mortgage brokerage side and shares the same multi-provincial licensing and lender-panel business model.
• Alpine Credits: Alpine Credits is a Canadian private mortgage lender and broker specializing in commercial and residential mortgage solutions across Canada. It directly competes with MCommercial for commercial mortgage deals, particularly for borrowers who fall outside traditional bank criteria.
• BridgeWell Capital: BridgeWell Capital is a Canadian private lender and mortgage broker focused on commercial real estate financing, including bridge, construction, and multi-family loans. It competes directly with MCommercial in the commercial mortgage brokerage space in Canada.

Broad incumbents

• First National Financial: First National Financial is a large, publicly listed Canadian mortgage origination and servicing company with deep commercial mortgage capabilities. While broader than MCommercial in scope (including single-family and securitization), it competes head-on for commercial mortgage broker mandates and lender panel access across Canada.
• MCAP: MCAP is one of Canada's largest independent mortgage finance companies, with a substantial commercial mortgage origination and servicing business. It is a broad incumbent operating across residential and commercial, but competes with MCommercial for commercial mortgage deals and CMHC-insured multi-unit financing.
• Equitable Bank: Equitable Bank is a Canadian alternative (Schedule I) bank with a sizeable commercial mortgage origination business. As a broad incumbent, it both funds and competes for commercial mortgage deals that MCommercial brokers, and is a key lender-counterparty on MCommercial's 100+ lender panel.
• CWB Financial Group (now National Bank of Canada): CWB Financial Group, acquired by National Bank of Canada, is a Canadian Schedule I bank with a strong Western Canadian commercial real estate lending franchise. It is both a direct lender competing for MCommercial's target borrowers and a key institutional lender on MCommercial's broker panel.

Emerging players

• Intellifi Corporation: Intellifi is an emerging Canadian technology platform for commercial real estate finance that connects borrowers, brokers, and lenders. As an emerging player, it represents the digital-first competition to MCommercial's traditional relationship-driven brokerage model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/mcommercial.ca
• LinkedInlinkedin.com/company/mcommercial
• Instagraminstagram.com/mcommercial.ca

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MCommercial