Coldstream Capital Management
Coldstream Capital Management is a privately held direct private lender in Toronto that originates residential and commercial mortgages in the Greater Toronto Area for borrowers declined by conventional lenders, distributing through licensed mortgage brokers and direct borrower inquiries under FSRA License #13363.
- Company typePrivate
- Founded2010
- HeadquartersToronto, Canada
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Coldstream Capital Management does
Coldstream Capital Management, operating as Coldstream Mortgage Capital Inc., is a privately held direct private lender based in Toronto, Ontario. The company originates residential and commercial mortgages in the Greater Toronto Area for borrowers who cannot obtain financing from conventional financial institutions, using a property-value-focused underwriting approach rather than relying on borrower credit or income history. Its product set includes 1st and 2nd mortgages, terms up to 36 months, interest-only payment structures, up to 65% LTV, and no loan size restrictions, with stated commitment letters within 24 hours and closings within 5 business days.
The business distributes mortgage products through two channels: licensed mortgage brokers in the GTA who refer declined-borrower clients, and direct inquiries via phone and email. Revenue is generated through interest payments on originated mortgages, with fee structures and rates negotiated on a per-deal basis. The company holds FSRA License #13363 as its regulatory credential, operates from a single Toronto office at 505 Eglinton Ave West, and presents no proprietary technology platform, no app, and no disclosed AI or automation capabilities in its lending process. Operations appear to be entirely relationship-based and manual, with limited public visibility into capital pool size, deal volume, or financial performance.
Coldstream Capital Management firmographics
Firmographics- Name
- Coldstream Capital Management
- Legal name
- Coldstream Mortgage Capital Inc.
- Website
- https://coldstreamcapital.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Coldstream Capital Management is a privately held direct private lender in Toronto that originates residential and commercial mortgages in the Greater Toronto Area for borrowers declined by conventional lenders, distributing through licensed mortgage brokers and direct borrower inquiries under FSRA License #13363.
- Ownership category
- akta.pro rank
Coldstream Capital Management industry classification
Industry- Product category
- Private Mortgage Lending
- NAICS
- Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
- akta.pro secondary industries
- Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like) (FSAHAJAI), Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Coldstream Capital Management is headquartered
LocationHeadquarters
- HQ city
- Toronto
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Coldstream Capital Management business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Others, Infrastructure
Revenue model
- Mortgage Lending Interest: Coldstream Capital generates revenue through interest payments on private residential and commercial mortgages it originates. The company provides direct lending with flexible terms, including interest-only payments and fully prepaid loan options.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
Coldstream Capital Management product offering
Product offeringCore offering
Coldstream Mortgage Capital is a direct private lender originating residential and commercial mortgages in the Greater Toronto Area for borrowers who cannot obtain conventional financing. The firm focuses on property values rather than borrower credit or income, offering 1st and 2nd mortgages with terms up to 36 months, up to 65% LTV, interest-only payments, and no loan size restrictions. It also partners with mortgage brokers and originators, allowing them to set their own fees on referred deals.
Product overview
Coldstream Capital Management operates as a single unified product offering through Coldstream Mortgage Capital, a direct private lender specializing in private residential and commercial mortgages in the Greater Toronto Area. The company provides a flexible, 'common sense' lending approach focused on property values rather than credit history, offering 1st and 2nd mortgages, terms up to 36 months, interest-only payments, and up to 65% LTV with no loan size restrictions.
Differentiator
Problem solved
Functional benefit
Products and services
- Coldstream Mortgage Capital (Private Residential and Commercial Mortgages) Direct private mortgage lending service for residential and commercial properties in the Greater Toronto Area. Offers 1st and 2nd mortgages with terms up to 36 months, interest-only payments, up to 65% LTV, no loan size restrictions, and underwriting focused on property value rather than borrower credit. Supports purchase financing, refinance, equity takeout, rental and owner-occupied properties, and purchase financing for non-residents. Distributed through direct broker partnerships and direct borrower inquiries.
Quantifiable outcome
- Commitment letters issued within 24 hours
- +1 more outcomes
Companies that use Coldstream Capital Management
Customer profileSegments2 records
Ideal customer profiles2 records
Coldstream Capital Management technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Coldstream Capital Management partnerships and signals
Strategic signalScale indicators1 record
Recent moves3 records
Coldstream Capital Management competitors and assessment
Company assessmentBroad incumbents
- CMLS Financial: CMLS Financial is one of Canada's largest independent mortgage finance companies, operating across residential, commercial, and securitization. While not a focused GTA private lender, it is a broad incumbent in the same Canadian mortgage landscape and competes for larger commercial deals.
- First National Financial: First National Financial is a major Canadian non-bank mortgage lender with a wide product set spanning residential and commercial mortgages. It is a broader incumbent competing in adjacent alternative-lending segments relevant to Coldstream's commercial mortgage activity.
Direct peers
- Bridgewell Capital: Bridgewell Capital is a Canadian private mortgage lender offering fast bridge financing on residential and commercial properties. It directly competes with Coldstream in the same GTA non-conventional borrower segment with comparable product structures.
- Magenta Capital: Magenta Capital is a Canadian private mortgage lender active in Ontario focused on short-term residential and commercial bridge mortgages. Its product and underwriting philosophy closely mirror Coldstream's property-value-based, flexible-term approach.
- Alpine Credits: Alpine Credits is a Canadian private mortgage lender operating in Ontario with a similar property-value-focused, speed-driven underwriting approach. It serves borrowers unable to obtain conventional financing and partners with brokers in overlapping GTA markets.
- Bloom Financial: Bloom Financial is a Canadian private mortgage lender focused on short-term, broker-referred deals for non-conventional borrowers. It overlaps with Coldstream in product structure, customer segment, and GTA geography.
- Equity Finance: Equity Finance is a Canadian private mortgage lender providing residential and commercial bridge financing with a broker-driven distribution model. It serves a similar GTA customer profile with comparable flexible-term products.
- 8Twelve Financial: 8Twelve Financial is a Canadian alternative mortgage lender offering expedited private financing solutions. It targets the same broker and non-conventional borrower base as Coldstream and competes for similar GTA and Ontario deals.
- Cypress Capital: Cypress Capital is a Canadian private mortgage and bridge lender serving borrowers turned away by traditional lenders. It overlaps with Coldstream on broker-distributed private mortgage products in the GTA.
Emerging players
- Pineapple Financial: Pineapple Financial is a Canadian mortgage company with a growing alternative and private lending arm. While it has a broader retail mortgage offering, it increasingly competes with Coldstream for non-conventional and broker-distributed deals in Ontario.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Coldstream Capital Management social profiles
Digital presenceColdstream Capital Management compliance and trust
Trust signalCompliance1 record
Coldstream Capital Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coldstream Capital Management leadership team
Management profileNumber of profiles
Coldstream Capital Management funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coldstream Capital Management 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 Coldstream Capital Management
What does Coldstream Capital Management do?
Coldstream Mortgage Capital is a direct private lender originating residential and commercial mortgages in the Greater Toronto Area for borrowers who cannot obtain conventional financing. The firm focuses on property values rather than borrower credit or income, offering 1st and 2nd mortgages with terms up to 36 months, up to 65% LTV, interest-only payments, and no loan size restrictions. It also partners with mortgage brokers and originators, allowing them to set their own fees on referred deals.
Is Coldstream Capital Management a public or private company?
Coldstream Capital Management is a private company. It is classified as unknown and is currently operating.
When was Coldstream Capital Management founded?
Coldstream Capital Management was founded in 2010. It employs 1 to 10 people.
Where is Coldstream Capital Management based?
Coldstream Capital Management is headquartered in Toronto, Canada, in the North America region.
How does Coldstream Capital Management make money?
One revenue line is on record: mortgage Lending Interest.
Who are Coldstream Capital Management's main competitors?
Broad incumbents on record are CMLS Financial and First National Financial. Direct peers are Bridgewell Capital, Magenta Capital, Alpine Credits, Bloom Financial, Equity Finance, 8Twelve Financial and Cypress Capital. Pineapple Financial is listed as an emerging player.
Does Coldstream Capital Management have an API?
No public API is recorded for Coldstream Capital Management.
What industry is Coldstream Capital Management in?
Coldstream Capital Management'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 FSALAGAA, Closed-End Home Equity Loans (Second Mortgages). Its NAICS code is 522292 and its SIC code is 6162.