InstaFund
InstaFund is a Vancouver-based private mortgage lender founded in 1983 that originates equity-based first and second mortgages, commercial, land, and construction financing for borrowers who do not qualify at banks, distributed primarily through BC mortgage brokers.
- Company typePrivate
- Founded1983
- HeadquartersVancouver, Canada
- Headcount1–10
- GTM typeB2B
- OfferingServices
What InstaFund does
InstaFund is a privately held, family-owned private mortgage lender operating continuously since 1983 from Vancouver, British Columbia, under the legal entity InstaFund Financial Services (2000) Ltd. The company originates first and second mortgages, bridge loans, equity take-out loans, land financing, and construction financing for borrowers who do not qualify under conventional bank criteria — including self-employed individuals, new immigrants, first-time buyers, and US nationals purchasing Canadian property. Loan sizes range from $100,000 to $8,000,000 for domestic borrowers and $500,000 to $10,000,000 for US clients, with rates starting at P+3.3% for first mortgages and P+4.05% for second mortgages, on typical one-year terms open without penalty.
The company's underlying operating model is built on local, relationship-driven credit decisions rather than technology-led underwriting. A lending committee meets nearly every day to approve loans, enabling funding turnarounds of three to five business days — or as fast as 24 hours — and supported by a roster of approved independent appraisers across Metro Vancouver. Product breadth spans the full real estate value chain: residential equity loans, commercial mortgages, residential subdivisions, commercial/industrial land assembly, agricultural land, and construction draw financing up to 100% of project cost.
InstaFund generates revenue primarily through net interest income on its mortgage portfolio and, since Adam Korbin returned in 1994, via the parallel growth of its Mortgage Investment Corporation (MIC) channel which broadens its capital sourcing. Distribution is broker-mediated: the company relies on BC-licensed mortgage brokers, realtors, lawyers, accountants, and builders as referral channels, supplemented by a direct online application portal and phone line. Marketing spend is minimal — the website, newsletter, and broker portal are the principal channels. The geographic footprint is concentrated in Metro Vancouver and the Lower Mainland (Whistler to Chilliwack), with selective cross-border activity into US clients and a Chinese-language site for Asian buyers.
InstaFund firmographics
Firmographics- Name
- InstaFund
- Legal name
- InstaFund Financial Services (2000) Ltd.
- Website
- https://instafund.com
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- InstaFund is a Vancouver-based private mortgage lender founded in 1983 that originates equity-based first and second mortgages, commercial, land, and construction financing for borrowers who do not qualify at banks, distributed primarily through BC mortgage brokers.
- Ownership category
- akta.pro rank
InstaFund industry classification
Industry- Product category
- Private Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
- akta.pro secondary industries
- Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)
Keywords
Where InstaFund is headquartered
LocationHeadquarters
- HQ city
- Vancouver
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
InstaFund business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Interest: InstaFund earns interest on first and second mortgages they fund. They offer rates starting at P+3.3% for first mortgages and P+4.05% for second mortgages. Loan amounts range from $100,000 to $8,000,000 with typical one-year terms that are open without penalty.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Annual | Residential Equity Loans |
| Transaction based/ take rate | Annual | Commercial Mortgages |
| Transaction based/ take rate | Annual | Land Financing |
| Transaction based/ take rate | Annual | Construction Financing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
InstaFund product offering
Product offeringCore offering
InstaFund is a direct private mortgage lender offering 1st and 2nd mortgages on residential, commercial, land, and construction properties, ranging from $100,000 to $8,000,000. Loans are equity-based, qualifying borrowers on property value rather than income documentation, with funding typically completed within 3-5 business days and as fast as 24 hours. The company has operated continuously in Metro Vancouver since 1983, serving borrowers who cannot qualify with conventional lenders through a network of licensed mortgage brokers.
Product overview
InstaFund is a private mortgage lending company operating as a direct lender since 1983, offering a portfolio of equity-based mortgage products including Residential Equity Loans, Commercial Mortgages, Land Financing, Construction Financing, Bridge Loans, and Equity Take-out Loans. The company specializes in fast funding (3-5 business days, sometimes within 24 hours) for borrowers who may not qualify for conventional bank financing, serving Metro Vancouver and the Lower Mainland. Their products range from $100,000 to $8,000,000 for domestic clients and $500,000 to $10,000,000 for US client cross-border financing.
Differentiator
Problem solved
Functional benefit
Products and services
- Residential Equity Loans 1st and 2nd mortgage loans secured by residential property equity, ranging from $100,000 to $8,000,000, with one-year terms open without penalty. Borrowers can use funds for any purpose, including property purchase or refinancing, without income or debt service qualification.
- Commercial Mortgages Mortgage financing for any type of commercial property, including non-performing buildings, development sites, retail, industrial, and hotel assets where land value exceeds income value. One-year terms with negotiable penalties.
- Land Financing Loans for land development including single-family home sites, residential subdivision financing, site acquisition for multi-family development, commercial and industrial land assembly, and agricultural-zoned land.
- Construction Financing 1st and 2nd mortgage construction draw financing for single-family houses, mansions, townhouses, subdivisions, and commercial projects, covering up to 100% of project cost. Includes bridge loans to start construction before prior property sale closes, and equity take-out loans to recover invested equity during or after construction.
- US Client Financing Private mortgage financing for US-based clients purchasing property in Canada, including investment condos and vacation homes, with loan amounts from $500,000 to $10,000,000. Designed to overcome the difficulty of obtaining cross-border financing from traditional US sources.
Quantifiable outcome
- Funding completed in 24 hours to 5 business days
- +2 more outcomes
Companies that use InstaFund
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles3 records
InstaFund technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
InstaFund partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor.
- Cunningham & Rivard AppraisalsminorApproved appraiser for property valuations. Contact: 604-985-8761, [email protected]
- Johnston, Ross & Cheng Real Estate EvaluatorsminorApproved appraiser for property valuations. Contact: 604-271-7717, [email protected]
- Macintosh AppraisersminorApproved appraiser for property valuations. Contact: 604-522-3900, [email protected]
- Niemi Laporte & Dowle Appraisals LtdminorApproved appraiser for property valuations. Contact: 604-438-1268, [email protected]
- Hossack Newby Graham & Smith AppraisalsminorApproved appraiser for property valuations. Contact: 604-738-0109, [email protected]
- Bakerview Realty AppraisalsminorApproved appraiser for property valuations. Contact: 604-542-9222, [email protected]
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
InstaFund competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
InstaFund social profiles
Digital presenceInstaFund compliance and trust
Trust signalCompliance1 record
InstaFund financial estimates
Financial estimateRevenue estimate
Valuation estimate
InstaFund leadership team
Management profileNumber of profiles
Profiles3 records
InstaFund funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
InstaFund M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about InstaFund
What does InstaFund do?
InstaFund is a direct private mortgage lender offering 1st and 2nd mortgages on residential, commercial, land, and construction properties, ranging from $100,000 to $8,000,000. Loans are equity-based, qualifying borrowers on property value rather than income documentation, with funding typically completed within 3-5 business days and as fast as 24 hours. The company has operated continuously in Metro Vancouver since 1983, serving borrowers who cannot qualify with conventional lenders through a network of licensed mortgage brokers.
Is InstaFund a public or private company?
InstaFund is a private company. It is classified as family owned and is currently operating.
When was InstaFund founded?
InstaFund was founded in 1983. It employs 1 to 10 people.
Where is InstaFund based?
InstaFund is headquartered in Vancouver, Canada, in the North America region.
How does InstaFund make money?
One revenue line is on record: mortgage Interest.
Does InstaFund have an API?
No public API is recorded for InstaFund.
What industry is InstaFund in?
InstaFund's product category is Private Mortgage Lending. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSAEAEAG, Bridge & Short-Term Real Estate Loan Intermediation. Its NAICS code is 52231 and its SIC code is 6163.