CANADIAN ROYAL LENDING INC.

What CANADIAN ROYAL LENDING INC. does

Canadian Royal Lending Inc. (CRLI) is a privately held Ontario-based mortgage administrator that matches individual investors with private, primarily second-position mortgage loans secured against Ontario residential real estate. Investors select specific mortgage deals, register directly on the property title in their own name, and earn 8% to 15% annual interest (typical range 8.99%–14.99%), while CRLI handles the full lending lifecycle: deal sourcing through mortgage brokers, loan servicing, monthly payment collection, and default management including power-of-sale enforcement after 30 days of missed payments. Approximately 50% of loans are syndicated, allowing multiple lenders to share individual deals (e.g., a $120,000 loan split at $40,000 per lender), enabling smaller investors to participate.

CRLI's revenue model is transaction-fee based: all management fees and legal fees are paid by the borrower at closing, with no fees charged to investors. The company is regulated by the Financial Services Commission of Ontario (FSCO) under Mortgage Administrator License #12306, which imposes capital and insurance requirements including Errors and Omissions Insurance (minimum $500,000 per claim / $1 million aggregate) and a financial guarantee equal to three months of operating costs. Its go-to-market is direct-to-investor, relying on a corporate website (crli.ca) and a phone line (1-866-742-5363) for inquiries, supported by mortgage brokers who source borrower opportunities. Common borrower use cases include debt consolidation, home renovations, down payments on second properties, divorce settlements, and business investment by borrowers unable to obtain additional financing from traditional banks.

The underlying technology stack is minimal by design. CRLI uses electronic payment processing for monthly mortgage collections and disbursements, and a licensed trust account system for fund handling, with no proprietary platform, mobile app, public API, or disclosed AI/ML capabilities. The company operates from a single headquarters at 668 Millway Avenue, Vaughan, Ontario, and its geographic scope is restricted to Ontario. No headcount, revenue figures, funding rounds, M&A activity, partnerships, or leadership team information are disclosed in the available source material.

Name

CANADIAN ROYAL LENDING INC.

Legal name

Canadian Royal Lending Inc.

Website

https://crli.ca

Company type

Private

Operating status

Operating

Short description

Canadian Royal Lending Inc. is a Vaughan, Ontario-based FSCO-licensed mortgage administrator that connects individual investors with private second mortgage loans secured against Ontario real estate, yielding 8-15% returns.

Ownership category

akta.pro rank

Product category

Private Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

CRE Bridge & Transitional Lending (FSALADAC)

akta.pro secondary industries

CRE Loan Syndication & Participation (FSALADAK), Real Estate Private Credit (CRE Debt) (FSANADAG)

Keywords

• Private mortgage lending
• Mortgage investment administration
• Second mortgage loans
• Real estate secured lending
• Mortgage syndication services

Headquarters

HQ city

Vaughan

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others, Technology or R&D

Revenue model

1. Borrower Fees at Closing: All management fees and legal fees are paid by the borrower at the time of closing. The company does not collect fees from investors. This includes mortgage administration fees and legal costs associated with closing the loan.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Canadian Royal Lending Inc. (CRLI) is a licensed FSCO mortgage administrator that originates and administers private mortgage loans secured by Ontario residential real estate and places them with individual investors. Investors earn 8% to 15% returns by funding second-mortgage loans registered directly on title in the lender's name, while CRLI handles deal screening, loan closing, monthly payment collection, borrower servicing, and default enforcement. The firm also syndicates loans so multiple investors can participate in a single mortgage, and works with mortgage brokers who originate borrower opportunities.

Product overview

Canadian Royal Lending Inc. (CRLI) operates as a single-platform mortgage investment service offering private mortgage lending opportunities. The core product is the CRLI Private Mortgage Investment, which includes second mortgage loans and syndicated mortgage investments. All investments are fully managed by CRLI, secured on Ontario real estate property titles in the investors' names, and provide fixed monthly returns of 8-15%. The platform handles the entire lending lifecycle from deal selection and approval to loan servicing, payment collection, and default enforcement.

Differentiator

Problem solved

Functional benefit

Products and services

• CRLI Private Mortgage Investment A private mortgage investment product where individual investors earn 8% to 15% returns secured by Ontario real estate. The investment is registered directly on the property title in the investor's name, with CRLI handling all administrative responsibilities including loan servicing, payment collection, and default management. Targeted at retail and accredited investors seeking higher-yield, secured passive income.
• Second Mortgage Loans Subordinate mortgage loans offered to borrowers who already have a first mortgage (typically from a bank). These loans are registered behind the first mortgage on title and provide investors with security against residential real estate while offering higher yields than traditional fixed-income investments. Used by borrowers needing debt consolidation, renovations, down payments, or business investment capital.
• Syndicated Mortgage Investments Mortgage investments structured to allow multiple lenders to share a single loan, enabling investors to split loans into smaller shares (for example, a $120,000 loan split among multiple lenders at $40,000 each). Allows smaller individual investors to participate, with approximately 50% of CRLI loans syndicated across multiple lenders.

Quantifiable outcome

• 8% to 15% annual returns on mortgage investments
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights2 records

Direct peers

• Magenta Capital: Canadian private mortgage lender focused on residential and small-balance commercial mortgages in Ontario and other provinces. Closely comparable business model: brokers origination, lender-paid or borrower-paid fees, second mortgages behind bank firsts, and direct-to-investor distribution.
• Verity Private Capital: Canadian private mortgage investment manager offering syndicated mortgage opportunities to individual investors. Closely comparable syndicated private mortgage model targeting retail investors with FSCO-style regulated administration.
• Bridgeport Private Capital: Canadian private mortgage lender specializing in residential second mortgages for borrowers turned down by banks. Closely comparable niche (subprime second mortgages in Ontario) with a similar broker-originated, investor-funded model.

Broad incumbents

• Centurion Asset Management: Larger Canadian private mortgage and real estate investment manager operating MICs and institutional funds. Comparable product category (private mortgages for retail investors) but at materially greater scale and institutional breadth.
• Atrium Mortgage Investment Corporation: Publicly traded Canadian MIC focused on first and second residential mortgages, primarily in Ontario. Comparable target investor and product (mortgage-secured yield), but operates as a public MIC versus CRLI's syndicated private loan structure.
• Firm Capital Mortgage Investment Corporation: Canadian mortgage investment corporation lending on income-producing real estate, including second mortgages. Similar product and target investors, but with greater scale, public listing, and broader geographic footprint than CRLI.
• Timbercreek Mortgage Investment Corporation: Publicly listed Canadian MIC focused on short-term residential and commercial mortgages, including second mortgages. Comparable short-duration, real-estate-secured lending model but operating at institutional scale across multiple provinces.
• Home Trust Company: Federally regulated Canadian Schedule I bank via Home Trust, active in alternative residential lending including insured and uninsured mortgages. Comparable alternative-mortgage category serving non-prime borrowers, but at materially larger scale.
• Equitable Bank: Canadian Schedule I bank focused on alternative residential mortgage products including reverse mortgages and insured mortgages. Overlaps with CRLI on the alternative/non-bank residential mortgage category, but with full banking charter and deposit funding.
• CMLS Financial: One of Canada's largest non-bank mortgage lenders, active in residential and commercial mortgage origination, securitization, and servicing. Comparable residential mortgage origination activity, but at far greater scale and with broader product set than CRLI.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 CANADIAN ROYAL LENDING INC.