LTV Capital
LTV Capital Ltd. is a Toronto-based, FSRA-licensed commercial real estate finance firm providing debt and equity financing solutions of $1M to $50M to CRE owners, operators, and developers across Canadian core markets.
- Company typePrivate
- Founded-
- HeadquartersToronto, Canada
- Headcount1–10
- GTM typeB2B
- OfferingServices
What LTV Capital does
LTV Capital Ltd. is a privately held commercial real estate finance firm headquartered at 150 King Street West Suite 200 in Toronto, Ontario. The company operates as a licensed mortgage broker (License #13512) and mortgage administrator (License #13644) under the Financial Services Regulatory Authority of Ontario, and provides debt and equity financing solutions to commercial real estate owners, operators, and developers across Canadian core markets. Its core loan parameters span $1M to $50M in size, LTV up to 85%, LTC up to 90%, terms of 1-5 years, and rates of 6% to 10%+ with both fixed and floating structures. Revenue is generated through brokerage fees and commissions on originated transactions plus interest income on debt products held on balance sheet.
The firm offers a comprehensive single-platform suite spanning the capital stack: conventional senior loans, bridge loans, second-lien loans, high-ratio loans, mezzanine loans, preferred equity, joint venture partnerships, construction/land/pre-development loans, and hybrid debt-equity structures. Asset class coverage spans four primary CRE categories (industrial, multifamily, office, retail) and five secondary specialty categories (hotels, self-storage, seniors housing, student housing, manufactured housing). There is no proprietary technology platform, no digital product offering, and no software-as-a-service component described; the value proposition is grounded in structuring expertise and industry relationships rather than technology differentiation.
LTV Capital operates a relationship-driven, consultative go-to-market model with direct borrower engagement. Marketing and lead capture are concentrated on its company website (ltvcapital.ca) with calls-to-action such as "Talk to Our Experts" and "Partner With Us," supported by direct phone and email contact. The firm presents as a small, privately held entity — no headcount, ownership structure, founding date, funding history, management team details, or financial performance metrics are disclosed in available source material, leaving scale and capitalization as key data gaps.
LTV Capital firmographics
Firmographics- Name
- LTV Capital
- Legal name
- LTV Capital Ltd.
- Website
- https://ltvcapital.ca
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- LTV Capital Ltd. is a Toronto-based, FSRA-licensed commercial real estate finance firm providing debt and equity financing solutions of $1M to $50M to CRE owners, operators, and developers across Canadian core markets.
- Ownership category
- akta.pro rank
LTV Capital industry classification
Industry- Product category
- Commercial Real Estate Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like) (FSAHAJAI)
- akta.pro secondary industries
- Commercial Mortgage Brokerage (FSAEAEAB), Senior Secured Direct Lending (FSANADAA)
Keywords
Where LTV Capital is headquartered
LocationHeadquarters
- HQ city
- Toronto
- HQ country
- Canada
- HQ region
- North America
Offices2 records
Markets served
LTV Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Mortgage Brokerage Fees: LTV Capital operates as a licensed mortgage broker regulated by the Financial Services Regulatory Authority of Ontario. Revenue is generated through brokerage fees and commissions on mortgage transactions facilitated for commercial real estate borrowers.
- Interest Income on Loans: As a capital provider offering debt products (senior loans, bridge loans, mezzanine loans, preferred equity), LTV Capital generates revenue through interest payments on the loans they originate and service.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Commercial Real Estate Loans - $1M to $50M |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels2 records
LTV Capital product offering
Product offeringCore offering
LTV Capital is a licensed mortgage broker and direct capital provider offering a full range of commercial real estate debt and equity products to property owners, operators, and developers across Canada. The firm originates and structures senior loans, bridge loans, mezzanine loans, preferred equity, joint venture partnerships, and construction/land development financing ranging from $1M to $50M with terms of 1–5 years, LTV up to 85%, and LTC up to 90%, targeting properties conventional lenders struggle to finance.
Product overview
LTV Capital is a single-platform commercial real estate financing company offering a comprehensive suite of debt and equity products. The portfolio consists of ten distinct loan products spanning the capital stack: Conventional Senior Loans and Bridge Loans as primary first-mortgage products; Second-Lien and High-Ratio Loans for enhanced leverage; Mezzanine Loans and Preferred Equity for subordinated capital; and Joint Venture Partnerships for equity co-investment. Supporting products include Construction/Land Development Loans, Fixed/Floating-Rate options, and Hybrid Loans combining debt and equity features. All products target commercial real estate owners, operators, and developers across Canada, with loan parameters of $1M–$50M, LTV up to 85%, LTC up to 90%, and 1–5 year terms.
Differentiator
Problem solved
Functional benefit
Products and services
- Conventional Senior Loans Traditional first-position mortgage loans for commercial real estate acquisitions and refinancing, available in both amortizing and interest-only structures, for commercial real estate owners, operators, and developers across Canada.
- Bridge Loans Short-term financing for time-sensitive acquisitions or transitional properties requiring quick closings before permanent financing is secured, designed for commercial real estate owners and developers across Canada.
- Second-Lien Loans Subordinate debt products positioned behind first mortgages, providing additional capital stack flexibility for commercial real estate borrowers.
- High-Ratio Loans Loans exceeding conventional loan-to-value limits for borrowers requiring higher leverage on quality commercial real estate assets.
- Mezzanine Loans Subordinate debt positioned between senior debt and equity in the capital stack, offering higher yields with moderate risk, used for commercial real estate capital stack optimization.
- Preferred Equity Equity-positioned capital for capital stack optimization, offering fixed returns without taking operational control of the underlying real estate.
- Joint Venture Partnerships Co-investment structures pairing LTV Capital's capital with borrower equity for larger-scale development and value-add commercial real estate projects.
- Construction, Land, Land Servicing, and Pre-Development Loans Financing for ground-up development, land acquisition, site servicing, and pre-development activities with loan-to-cost structures up to 90%, supporting real estate developers across Canada.
- Hybrid Loans Combined debt and equity financing structures blending traditional loan features with equity participation, suited for complex commercial real estate transactions.
- Fixed and Floating-Rate Loans Commercial real estate loans offered with either locked fixed rates ranging from 6% to 10%+ or variable floating rates tied to market benchmarks, providing interest rate flexibility across the loan portfolio.
Companies that use LTV Capital
Customer profileSegments4 records
Ideal customer profiles2 records
LTV Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
LTV Capital partnerships and signals
Strategic signalScale indicators1 record
Recent moves4 records
Expansion highlights3 records
LTV Capital competitors and assessment
Company assessmentDirect peers
- Romspen Investment Corporation: Romspen is one of Canada's largest non-bank private mortgage lenders, providing senior and mezzanine real estate financing to owners and developers nationwide. It is the closest direct peer to LTV Capital given overlapping product set, Canadian focus, and target customer base.
- Timbercreek Financial: Timbercreek Financial is a Canadian non-bank lender specializing in commercial real estate mortgages, including bridge and mezzanine financing. Operates in the same Canadian CRE private credit space as LTV Capital.
- Trez Capital: Trez Capital is a Canadian commercial real estate lender and fund manager offering mortgages and bridge financing across asset classes. Direct competitor to LTV Capital in the Canadian non-bank CRE lending market.
- Firm Capital Corporation: Firm Capital is a Canadian mortgage investment corporation focused on real estate lending, including first and second mortgages, bridge, and construction financing across Canada. Highly comparable business model and product set to LTV Capital.
- CMLS Financial: CMLS Financial is a Canadian commercial mortgage brokerage and lender arranging debt for CRE borrowers nationwide. Direct peer given its brokerage-plus-capital model and similar Canadian CRE focus.
Emerging players
- Pender Capital: Pender operates in Canadian private credit with exposure to real estate debt. Overlaps with LTV Capital in Canadian CRE lending, though structured as a fund vehicle rather than a broker/originator.
- Verdant Properties Capital: Smaller Canadian private real estate lender focused on bridge and value-add financing. Comparable in product and stage to LTV Capital though with narrower geographic and asset class focus.
Broad incumbents
- First National Financial: First National is one of Canada's largest non-bank residential and commercial mortgage originators. A larger incumbent with overlapping brokerage/intermediation capabilities, though broader in scope than LTV Capital's CRE specialty.
- MCAP Financial Group: MCAP is one of Canada's largest independent mortgage financiers, offering a broad range of CRE and residential mortgage products. A larger incumbent operating across multiple CRE lending products similar to LTV Capital.
Others
- Wafra Capital Partners: Wafra provides capital solutions including real estate debt and equity financing. Adjacent participant in CRE capital markets that intersects with the types of structured solutions LTV Capital offers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
LTV Capital compliance and trust
Trust signalCompliance2 records
LTV Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
LTV Capital leadership team
Management profileNumber of profiles
LTV Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LTV Capital 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 LTV Capital
What does LTV Capital do?
LTV Capital is a licensed mortgage broker and direct capital provider offering a full range of commercial real estate debt and equity products to property owners, operators, and developers across Canada. The firm originates and structures senior loans, bridge loans, mezzanine loans, preferred equity, joint venture partnerships, and construction/land development financing ranging from $1M to $50M with terms of 1–5 years, LTV up to 85%, and LTC up to 90%, targeting properties conventional lenders struggle to finance.
Is LTV Capital a public or private company?
LTV Capital is a private company. It is classified as unknown and is currently operating.
When was LTV Capital founded?
LTV Capital was founded in -1. It employs 1 to 10 people.
Where is LTV Capital based?
LTV Capital is headquartered in Toronto, Canada, in the North America region.
How does LTV Capital make money?
Two revenue lines are on record. Mortgage Brokerage Fees are the primary driver. The others are interest Income on Loans.
Who are LTV Capital's main competitors?
Direct peers on record are Romspen Investment Corporation, Timbercreek Financial, Trez Capital, Firm Capital Corporation and CMLS Financial. Emerging players are Pender Capital and Verdant Properties Capital. Broad incumbents are First National Financial and MCAP Financial Group. Wafra Capital Partners is listed as an others.
Does LTV Capital have an API?
No public API is recorded for LTV Capital.
What industry is LTV Capital in?
LTV Capital's product category is Commercial Real Estate Lending. Its primary akta.pro industry code is FSAHAJAI, Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like), with a secondary code of FSAEAEAB, Commercial Mortgage Brokerage. Its NAICS code is 522310 and its SIC code is 6162.