Banks have become increasingly strict, leaving thousands of clients without solutions. And you, as a broker, are directly affected by the consequences.
Who are the clients most often rejected?
Here are the profiles that face systematic refusals from banks:
- Those with a high GDS/TDS ratio – Even with good income, if the ratio exceeds the limits, it’s an automatic rejection.
- Self-employed workers and SME owners – No stable paycheck? The client doesn’t declare enough income relative to their lifestyle? The bank won’t even consider the file.
- Real estate investors and flippers – Too many transactions without having created a company (Quebec/Canada Inc.)? Personal transactions only? Immediate rejection.
- Clients with unverifiable income – The money is there, but without official proof, it’s as if it doesn’t exist.
- Those in transition – New business with less than two years of existence, temporary job loss… No matter the situation, the bank won’t take the risk.
- Retirees – Lower active income, so the file gets rejected, even with significant assets.
- Newcomers and foreign investors – Even with substantial assets, the lack of a Canadian credit history makes them almost invisible to the banks.
- Title transfers – Example: A father bequeaths his house to his son while alive, but the son doesn’t have enough income to support the new mortgage.
- Separations and divorces – Example: The wife keeps the house, but the husband needs his share to buy a new condo.
THE WORST PART? These files are fundable… but NOT with the banks!
We redefine private lending with Capital Express. Stop looking at files through the bank’s lens! We approach each case from a new angle. 👉 Book a call
🚀 CAPITAL EXPRESS TIP: Banks are not the only solution. Private lenders and alternative solutions can save these transactions and help you secure your commissions.
How to structure your offers to never lose a transaction again?
You are an expert in financing. Your role is not just to submit files to the bank… but to find SOLUTIONS.
✅ Identify high-risk bank files immediately
Don’t waste time sending a file to the bank if you know it will be refused. Offer a private alternative immediately and close the transaction faster.
✅ Present private lending as a strategic lever
A private loan is not a final destination; it’s a temporary solution that allows the client to buy, refinance, or invest while preparing to return to the bank later.
✅ Work with a clear refinancing plan
Develop a well-defined exit strategy.
👉 Click here to discover the 6 possible exit strategies.
Explain to your client how they can move from private financing to bank refinancing within 12 to 24 months.
One transaction = up to 3 commissions in 24 months for you.
✅ Add complementary products to increase your income
Offer credit lines, refinancing, bridge loans, insurance… Every additional product means more money for you.
💡 CAPITAL EXPRESS TIP: We give you access to the best private lending solutions to recover these transactions and prevent your clients from going to another broker.
The importance of partnering with the best financial partners
Your success in 2025 will depend on the lenders you work with.
💪 Don’t just rely on banks and choose partners who finance your files quickly and efficiently.
- ✅ Work with multiple private lenders – They offer more flexibility and finance files that banks reject.
- ✅ Avoid lenders with hidden fees – You want transparent solutions for you and your clients.
- ✅ Build strong relationships with your partners – The more you work with a lender, the better the conditions they will offer you.
- ✅ Stay informed about the best offers – Alternative financing evolves rapidly. Stay up-to-date and offer the most advantageous options.
💡 CAPITAL EXPRESS TIP: We have selected a network of reliable private lenders for you, ready to finance your clients in just a few days.
👉Schedule a call with a Capital Express expert and discover the best private lending solutions!
2025: The year you multiply your commissions instead of losing them!
🛑 Stop seeing your transactions die because of banks.
💰 Don’t let any more commissions slip through your fingers.
🚀 Offer alternative solutions today and stay ahead of your competitors.
✅ IMPORTANT FACT:
- 60% of files rejected by banks can be funded elsewhere.
- Each closed private file = one commission today + another during bank refinancing.
- A broker who knows how to offer diverse solutions builds client loyalty and generates more referrals.
So, how many files will you recover this year?
👉 Book a call with a Capital Express expert and start closing MORE transactions in 2025!
