B and private lending is where a broker who can explain a hard truth kindly, and think in exits, earns a reputation fast.
Written by A.I.M.I. Collective Mortgage Group, Brokerage editorial team
Published September 2026 · Last reviewed 11 September 2026
Every residential broker sees files that do not fit at A: bruised credit, unprovable income, a property with a story, a client who needs money in nine days. Most refer them out or let them die. A private and alternative specialist keeps them, funds them and becomes the broker other brokers call. Here is what supports that here.
Every residential broker gets B and private files. The niche is choosing to keep them and place them properly.
Explaining a hard truth kindly, pricing a file honestly, thinking in exits, and knowing the disclosure rules of your province cold.
Comfortable with speed and with saying no to a lender whose money is not really there.
Brokers who want every file to be clean. This niche is the files that are not, placed well.
A consumer proposal two years old, income real, down payment real. A B lender at a higher rate, with a plan back to prime.
Tax returns understate income; twelve months of statements do not. A B lender programme, often the first B file a broker places.
Closing in two weeks, a lender that walked, equity takeout while a property sells. Private first or second, priced for the term, exit planned first.
Income that cannot be documented at all, strong equity. Private, disclosed properly, with a real repayment path.
Brokers who refer out their B files will send them to a colleague who places them and does not poach.
A realtor whose buyer was declined twice wants one person who can say yes or no in a day.
They meet people two years before those people can buy again. A relationship there is a pipeline with a delay built in.
Read A, B and private tiers and how MICs work until the pricing logic is instinct.
MICs, private funds and individual lenders, chosen for whether they close on time. Read private and alternative.
Provincial private mortgage disclosure reviewed centrally, including Ontario's rules.
The private and alternative checklist and the qualifier to see how far a file is from prime.
Profiles of the private lending specialists here are being added. Ask on a discovery call.
Bring it to the Deal Desk for structuring and lender placement, and learn on the deal without losing it.
The biggest private lending matchmaking event in BC, run in Surrey. Private lenders and MICs at the table, brokers across from them. Next edition on the events page.
Submit the file, the underwriter structures the exit and places it, you stay broker of record. Fast feedback on whether a file is fundable before you promise the client anything.
Private lending questions in the team chat get answered by brokers who placed a second mortgage last week, and by a founding team that has run private files for years.
B lenders with bank statement and bruised credit programs, credit union alternative programs, mortgage investment corporations, and private lenders met through the forums. Panel membership changes; names on the call.
The private and alternative checklist with the exit and disclosure sections, the A, B and private tiers, and the disclosure guide. Ontario agents note that private lenders and MICs need level 2.
Other brokers, first: the ones who refer out what they cannot place. Then insolvency trustees, real estate lawyers, and realtors with clients who lost financing. The playbook covers the approach.
Private lending rules moved in every province recently, MSA in BC included; the compliance calendar and weekly training keep pace. The niche expands into construction and small commercial, where private capital does most of the lending.
We do not hand out niche leads, and broker profile pages on this site are not built yet. What is true today: the guides on this site are the organic engine, a broker who writes for it gets the byline, the Deal Desk works your hard files with you, and the forums put you in the room with the lenders. Ask on the call and we will tell you exactly which of those applies to your niche this quarter.
Every niche here has a lender panel, an underwriter who has placed those files and brokers who already own the market. We publish lender types rather than lender names, because panels change and we would rather be right in a year than specific today. Pick the niche where you already have three funded files and a referral source, then build the knowledge around it.
For brokers building a commercial niche: the Deal Desk underwriter, lender types we place with, the Commercial Matchmaking Forum and tools.
For brokers building a construction niche: draw mortgages, builder files, land to build, the Deal Desk construction category and lender types.
For brokers building an investor niche: rental offsets, portfolio schedules, the fifth unit that turns commercial, lender types we place with and tools.
For brokers building a self employed niche: reading NOAs, add backs, bank statement programs, lender types we place with and accountant referrals.
Bring it to a discovery call. We will tell you whether it places and how, before you tell the client anything.