Construction financing
Ground-up construction, progress draws, interest reserves and take-out planning for residential and commercial projects.
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COMMERCIAL • CONSTRUCTION • DEVELOPMENT
Financing built around the real opportunity.
Commercial mortgages and construction financing structured with lender-side experience, practical judgment and access to capital across Canada and the United States.
20+years in lending
10+years bank & credit union experience
North Americafinancing reach
THE AKALI APPROACH
Commercial financing is rarely just about the numbers.
It is about knowing how lenders think, how credit sees risk and how to present the full strength of a transaction.
Akali Capital combines institutional lending experience with the flexibility and personal service of an independent brokerage. We take the time to understand the asset, the borrower and the larger business plan before approaching the market.
Why work with Gary →FINANCING CAPABILITIES
Capital for every stage of the real estate lifecycle.
From early land acquisition through construction and long-term refinancing, we help clients find the right capital at the right stage.
Land & development
Acquisition, rezoning, entitlement, servicing and pre-development capital structured around the project’s next milestone.
Learn more →Commercial mortgages
Financing for industrial, office, retail, hospitality and other owner-occupied or income-producing assets.
Learn more →Multi-family & CMHC
Construction and term financing for purpose-built rental, apartment and small multi-unit projects, including insured options.
Learn more →Multiplex financing
Construction financing for fourplex, fiveplex, sixplex and other small-scale infill housing projects.
Learn more →Refinancing & equity take-out
Restructure existing debt, improve cash flow or release equity for acquisitions, working capital and succession planning.
Learn more →Alternative & private capital
Practical options when timelines, borrower profiles or property types fall outside conventional lending policy.
Learn more →Business loans
Fast working-capital options for qualifying Canadian and American businesses through our sister company, Westline Funding.
Learn more →Business lines of credit
Flexible revolving and alternative working-capital options for recurring business expenses.
Learn more →SELECTED MANDATES
Recent transactions.
Real outcomes across construction, development, commercial real estate and multi-family financing.
$8.75MLangford, British Columbia
Residential Construction Facility
A repeat client’s acquisition financing was transitioned into a construction facility after permitting and approvals, supporting the project from land assembly through the next stage of development.
- 8.25%
- 24 months
- No presales
75% LTVPrince George, British Columbia
Iconic Professional Office Building
Conventional acquisition financing completed on a very short timeline, with maximum leverage and the longest available amortization to support ongoing cash flow.
- 5.40%
- 5-year term
- 25-year amortization
$4.0MWhistler, British Columbia
Luxury Home Construction Rescue
A complex refinancing addressed existing private debt, outstanding obligations and title complications, giving the client time to protect the substantial capital already invested.
- 8.75%
- New first mortgage
- Time-sensitive
95% LTVAlberta
Purpose-Built 8-Plex / CMHC
A high-leverage, insured financing strategy designed around long-term rental income and the borrower’s development objectives.
- 4.00% fixed
- 10-year term
- 50-year amortization
P + 3.25%Surrey, British Columbia
Land & Development Financing
A customized land facility used detailed local servicing knowledge and the property’s future development potential to move beyond conventional raw-land underwriting.
- 18 months
- Flexible covenants
- Development value
P + 2.00%Lower Mainland, British Columbia
Residential Infill Construction
Construction financing for a multi-unit infill project, structured around costs, completed value, builder experience and the construction schedule.
- 18 months
- Progress draws
- Credit union
5.50%Surrey, British Columbia
Industrial Warehouse Refinance
Refinancing of four industrial units released additional business capital, addressed legacy obligations and materially improved monthly cash flow.
- 5-year fixed
- 25-year amortization
- Equity take-out
EquityInterior British Columbia
Strip Mall Succession Planning
An equity take-out allowed the family to access accumulated value and transfer capital to the next generation without selling a strong income-producing asset.
- Asset retained
- Capital released
- Family succession
Land bumpLangford, British Columbia
Pre-Development Servicing Loan
Entitlement progress supported a higher land value, unlocking capital for municipal servicing charges, development cost charges and critical soft costs.
- Third reading
- DP in hand
- DCCs & servicing
Transaction details are examples of previously arranged financing. Rates and terms were specific to each transaction and are not an offer or guarantee of future financing.
A CLEAR PROCESS
Strategy first.
Then the right lender.
You will always know what stage the request is at, what information is needed and what comes next.
Discuss your financingInitial conversation
We discuss the property, financing objective, timing and challenges.
Strategic review
We assess the transaction and determine the best conventional, alternative or private path.
Lender presentation
Your request is organized and presented to suitable lenders with a clear financing narrative.
Terms & closing
We compare options, negotiate structure and coordinate the professionals needed to close.
CLIENT PERSPECTIVES
Trusted beyond a single transaction.
Relationships built through sound advice, accessibility and consistent execution.
“
Working with Gary and Akali Capital was an excellent experience from start to finish. Our project required a substantial construction facility and a number of moving parts. Gary understood the deal, knew which lenders to approach and structured financing that worked for us. His accessibility and first-hand understanding of construction helped us work through challenges as they arose.
“
Gary made what could have been a complicated commercial acquisition very straightforward. He presented different financing options, explained the advantages of each and ultimately helped us secure a solution that fit our investment strategy.
“
CMHC financing can be complicated, but Gary helped us understand the requirements and worked closely with everyone involved to keep our Edmonton project moving. His commercial lending experience was extremely valuable, and we always felt he was looking out for our best interests.
“
After others told us our financing would be difficult to arrange, Gary took the time to understand the entire situation rather than simply looking at numbers on paper. His lender relationships and ability to structure a solution made a huge difference.
“
We continue to come back because of the service and knowledge Gary brings to every deal. He keeps our information organized from previous transactions, saving us from having to explain our story and reproduce hundreds of documents every time.
“
Gary quickly understood both the current value and longer-term development potential of our property. He identified the right lending source and created a structure that gave us the flexibility to keep moving forward.
“
What separates Gary is that he genuinely focuses on the relationship, not just the transaction. He is honest about what can and cannot be accomplished and has even told us when approaching our own bank directly would be less expensive. His judgment has made him an important part of our team.
20+ YEARS IN LENDINGMEET THE FOUNDER & PRESIDENT
Gary Akali
Lender-side experience. Independent advice. One relationship you do not have to restart every few years.
Gary has spent more than 20 years in lending, including a decade working inside banks and credit unions and more than 11 years building his independent brokerage. That perspective means he understands how account managers and credit teams assess a transaction—and how to present a request clearly.
He has also participated directly in construction projects, giving him a practical view of budgets, draws, consultants, trades, delays and the decisions that affect a project from the ground up.
Property investorConstruction experienceCommercial lending specialistRelationship-first advice
Speak with GaryTHE AKALI DIFFERENCE
Why Deal With Gary?
Hear directly from Gary about the experience, accessibility and continuity he brings to every financing relationship.
OUR SISTER COMPANY
WESTLINE FUNDING
Business capital without real estate security.
When the request is about the business—not the property—Westline Funding provides a faster path to working capital, equipment financing and business lines of credit.
Visit Westline Funding ↗Designed for established businesses in Canada and the United States.
Up to $150Kstreamlined requests with a soft credit review
Up to $1Mlarger facilities with financials and supporting security
24–48 hourspotential funding speed on qualifying files
Flexible useworking capital, inventory, payroll, expansion or equipment
START A CONVERSATION
Tell us what you are working on.
Complete the financing application online, or contact Gary directly for an initial discussion. Please use the secure application for detailed financial information.
Commercial & mortgage application
Share the property, financing purpose, borrower details, assets and liabilities in one guided form. Your progress can be saved on your device.
Open secure application ↗Do not submit sensitive information through ordinary email.