You already know how to structure a file and where to place it. What limits you is everything around the file: the hours, the paperwork, the files outside your niche and the residential overflow you turn away. That is the part we carry.
A commercial broker at capacity has a specific problem. Every new file costs the same hours as the last one, so income and hours climb together until one of them runs out. The brokers who break through do not work harder. They move analysis, processing, compliance and off niche files to people and desks built for them, and spend the hours on relationships and structure. Here is what that looks like inside the collective.
The Deal Desk is an experienced commercial underwriter you can put a file in front of for a second view, a stress test or a structure on an asset class you see less often. Not a gatekeeper; a colleague.
Document collection, condition tracking, appraisal and environmental ordering, lawyer coordination. Processed at head office so a commercial file does not cost you forty hours of administration.
Engagement letters, fee disclosure, conflict disclosure, FINTRAC on corporate borrowers, provincial forms. Reviewed centrally, with the audit trail kept for you.
Every commercial client has a house, and their staff and partners do too. Instead of turning those files away, they run through the residential side of the collective and stay yours.
Top tier status with lenders where the collective's volume earns it, plus the weekly training and the matchmaking forums that keep new lenders arriving. Your existing relationships stay yours.
Land, servicing, vertical construction, presale requirements, draw schedules and quantity surveyor reporting. The desk has structured them and knows which lenders want them at which stage.
Bridge, short term, equity based and higher leverage files through MICs, private funds and individual lenders, with the disclosure each province requires. Read how MICs work.
Conventional and insured multifamily, including CMHC programmes, with a desk that has run the application and knows the timeline.
Clients with four, eight or twenty doors who need a portfolio view, a refinance sequence and a lender who will hold the whole book.
Hospitality, agriculture, self storage, places of worship, care homes. Files most brokers refer away, and a desk that knows who will look at them.
A commercial broker with an associate, an analyst or a junior broker can bring the team intact. A broker who wants to build one has a place to train them: weekly lender sessions, a desk that teaches by doing, and a community that answers questions at all hours. Structure and terms for a team are agreed in writing with head office before anyone joins.
Every client you bring and every client you originate is yours, including the renewal and the referral. Nothing about that changes when you join, and nothing about it changes if you leave.
We add to them. We do not replace them or route around them.
Brokers here run under their own team name where it suits their market, with the collective behind it.
Commercial compensation is top tier and competitive, set against your volume, and worked through on a discovery call with your last twelve months in front of us. No figures are published here because no two commercial books are alike.
Commercial files move slowly, so a switch has to be planned around the pipeline. Map every live file by stage, agree which ones close under the old brokerage and which come with you, and run licence transfer and lender resets in parallel so nothing waits. Read how switching works in BC, Alberta and Ontario and how to compare offers on net income. If you are coming from a bank's commercial lending team, read the commercial banking bridge.
A confidential conversation about your book, your pipeline and what the collective would carry for you. Nothing is said to anyone until you decide.