Get Qualified for Up to $5M in 48 Hours or Less.
Equity-based approval, no income docs required. Same-day feedback, no credit check, no commitment.
When the bank says no, we say yes.
A bank checks boxes. We look at the deal. Equity, exit strategy, opportunity. That's it.
Same-day feedback
Initial decisions in as little as 48 hours. Funded in as little as a week, sometimes faster on urgent files.
Equity-based, no income docs
Self-employed, commission-based, retired, or rebuilding credit? If there's equity in the property, we can lend.
Up to $5M in the GTA
Up to 75% LTV in the GTA. 65% LTV on condos and properties outside the GTA. Residential, commercial, multi-family, construction, and land.
Built for the deals banks won't touch.
Whatever the situation: bridging a gap, consolidating debt, finishing a build. We've funded it.
First Mortgages
From 6.99%. Up to 75% LTV in the GTA, up to 65% LTV outside.
Second Mortgages
From 10.99%. Tap into equity without disturbing your existing first mortgage.
Bridge Financing
From 8.99%. Close on the new place before the old one sells.
Construction
From 7.99%. Stage-funded loans for new builds and major renovations. Up to 65% of end value.
Commercial
Office, retail, industrial, mixed-use. Evaluated case by case.
HELOC & Refinance
Consolidate debt, pull cash out, or restructure. Equity-based, fast close.
Three steps. Two days. One yes.
No runaround. No file shopping. Direct access to decision-makers from start to close.
Apply in 60 seconds
Tell us the basics: Type of Financing, Loan amount, Contact info. No credit check, no commitment.
Same-day feedback
A licensed broker will speak to you and assess your situation.
Funded in 48 hours
Once you're approved, we close fast. Most files fund within a week.
Funded fast, treated right.
Real experiences from clients who trust Richview Capital.
"When the bank turned us down, Richview Capital stepped in with a fast approval and competitive terms. Their team understood our vision and made it happen."
"The process was incredibly smooth. From application to funding took less than two weeks. The team was professional, transparent, and actually returned my calls."
"I wanted to recognize and give kudos to your entire team. Working with them on this file was genuinely a pleasure. From Maurizio to Natasha to Randall to Emely, every single person involved was professional, flexible, and consistently strong on communication throughout."
A real lender. Not a middleman.
Richview Capital is a licensed Ontario Mortgage Investment Corporation. Our money funds your deal. No aggregators, no shopping your file around, no surprises at closing.
- ✓Direct access to decision-makersOne point of contact from quote to funding. Real humans, fast replies.
- ✓20+ years of experienceTwo decades funding deals the banks turn away across Ontario.
- ✓Common-sense underwritingCase-by-case evaluation on residential, construction, bridge, HELOC, and commercial loans.
- ✓Transparent fees, in writingEvery fee disclosed before you commit. No surprise costs at closing.