Frank Manzo | Trillium Mortgage | Mortgage Broker License #M08007466 | Broker License #11396 | Level 2

Retail And Office Property Mortgage Solutions In Ontario

Serving Ontario Since 1989

Office Buildings Retail Properties Shopping Plazas Commercial Condos
  • INSTITUTIONAL AND PRIVATE COMMERCIAL FINANCING
  • OPTIONS FOR BAD CREDIT AND NON PROVABLE INCOME
  • MORTGAGES FOR PLAZAS, OFFICES, STORES AND COMMERCIAL CONDOS
  • FAST APPROVALS FOR ACQUISITIONS, REFINANCES AND EXPANSIONS
  • 35 PLUS YEARS OF COMMERCIAL LENDING EXPERIENCE

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Commercial Property Mortgage Options

Financing For Retail, Office, Plaza And Gas Station Properties

Trillium Mortgage arranges flexible commercial mortgage solutions for Ontario property owners, business operators, and investors who need practical lending options.

Office Buildings

Financing for office buildings, professional centres, and business properties. We help with purchases, refinancing, equity access, and expansion needs.

Retail Properties

Mortgage options for storefronts, corner stores, retail units, and owner operated commercial spaces that need flexible approval support.

Shopping Plazas

Lending support for strip plazas, neighbourhood retail centres, mixed tenant properties, and investor owned plaza locations across Ontario.

Gas Stations

Financing for gas stations, fuel properties, and convenience store operations. Private and commercial mortgage options may be available.

Non provable income, self employed borrowers, bad credit, income tax arrears, property tax arrears, and mortgage arrears applicants are welcomed.

Need A Commercial Mortgage Approval?

Speak with Trillium Mortgage about financing options for your retail, office, plaza, commercial condo, or gas station property.

Why Borrowers Choose Trillium Mortgage

Private Mortgage Help When Banks Are Not The Right Fit

Trillium Mortgage helps Ontario borrowers access practical private lending options when credit, income, timing, property type, or traditional bank rules create approval challenges.

Flexible Private Lending

Private lenders may review equity, property value, and exit strategy when traditional banks say no.

300+ Private Lenders

Access a wide Ontario private lending network for more options on hard to place mortgage files.

Fast Turnaround

Time sensitive mortgage situations can be reviewed quickly when urgency, arrears, or deadlines matter.

All Property Types

Residential, commercial, rural, industrial, construction, land, and development files can be considered.

Equity Based Options

Borrowers with bad credit, unprovable income, arrears, or complex situations may still have options.

Trillium Mortgage focuses on private mortgage solutions for Ontario borrowers who need practical financing outside standard bank approval models.

Meet The Broker And Owner Of Trillium Mortgage

Franco Manzo

Mortgage Broker License #M08007466   |   Broker License #11396   |   Level 2

Trillium Mortgage is an established Ontario mortgage brokerage, operating since 1989, providing private and equity based financing solutions for residential, commercial, construction, and land development projects across the province.

Founded in 1989 by Frank Manzo, Trillium Mortgage was established to support clients who do not fit traditional bank lending models. As a licensed Ontario Mortgage Broker, Frank developed the firm around flexible underwriting, equity based solutions, and practical financing options for homeowners, business owners, and property investors.

Over more than three decades, Trillium Mortgage has arranged financing for residential purchases, commercial properties, agricultural assets, construction projects, and land development initiatives throughout Ontario.

Over 35 Years Of private mortgage experience
$3 Billion+ In private mortgages processed
300+ Private Lenders Flexible equity based lending options
Serving Ontario Residential, commercial, rural and land financing
For over 35 years we’ve been helping those in Ontario get equity based mortgages. If you have bad credit, unprovable or insufficient income, or are in a difficult situation, Trillium Mortgage may be able to help.
Client Reviews

Reviews From Trillium Mortgage Clients

See what Ontario borrowers have shared about their experience working with Trillium Mortgage for private lending, refinancing, equity based mortgages, and complex approval situations.

Frequently Asked Questions

Private Mortgage Questions Answered

Clear answers for Ontario borrowers looking at private mortgages, refinancing, home equity, construction financing, and urgent lending options.

Can I get a mortgage in Ontario with bad credit?

Yes. Even with poor credit or collections, you can qualify through private mortgage lenders who base approvals on your home equity, not your credit score. These lenders focus on property value and location instead of your credit history.

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Can I refinance my home if I have mortgage arrears or unpaid taxes?

Yes. A refinance or home equity take out can pay off arrears, CRA debts, or property taxes and stop a power of sale before it progresses.

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What’s the difference between a private lender and a bank?

Banks rely on strict credit and income criteria. Private lenders use equity based lending, focusing on property value, location, and loan to value ratio, allowing flexible approvals when banks say no.

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Can I get approved for a mortgage in Ontario with bad credit or self employed income?

Yes. Private and alternative lenders use equity based lending, meaning your approval depends on your property’s value and available equity rather than your credit score or income verification.

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What documents are needed for an equity based mortgage?

You’ll typically need property details, recent mortgage statement, property tax bill, and valid ID. Income proof is optional because your property’s equity determines approval.

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How does a HELOC differ from a refinance?

A Home Equity Line of Credit gives you revolving access to funds, while a refinance provides a single lump sum payment from your home’s equity.

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Can a private mortgage stop a power of sale?

Yes. A private refinance can immediately pay arrears and stop a power of sale or foreclosure, preserving your ownership before the process completes.

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How do private construction or renovation mortgages work?

These progress draw loans release funds in stages as work is completed. Private lenders simplify approvals and financing for custom builds or major renovations.

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Can I get a commercial mortgage in Ontario with bad credit?

Yes. Trillium Mortgage regularly secures commercial mortgages for business owners and investors with bad credit or past financial challenges. We arrange financing for multi unit, retail, office, and industrial properties even if banks have turned you away. Every deal is structured to rebuild your credit while keeping your business moving forward.

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