We know that innovative commercial financing solutions are not one dimensional. At Innocapital, we dig deep into each project’s details to thoroughly understand your needs and goals. We then structure your financing, write comprehensive credit submissions and present your proposal to targeted lenders. Our clients count on the results – tailored, competitive finance solutions
See Innocapital’s disciplined approach at unlocking the hidden value in every transaction
Inception of project
Ascertain project objectives
Capture financing requirements
Identify and obtain supporting documents
Investigation
Analyze supporting documents to prepare financial models
Gather intelligence on current market conditions to articulate reliable valuation
Structure financing request based on identified objectives, findings and target lender's policies and guidelines
Gather intelligence on current market conditions to articulate reliable valuation
Structure financing request based on identified objectives, findings and target lender's policies and guidelines
Agreement
Propose financing options and structure to Borrower
Strike agreement to act as an exclusive agent on behalf of the Borrower to secure financing
Strike agreement to act as an exclusive agent on behalf of the Borrower to secure financing
Presentation
Produce our comprehensive loan submission - our "Dossier" - to articulate the property's inherent value and support the value with relevant details
Refine Dossier so lenders easily comprehend project's underwriting analysis
Present Dossier to lenders identified as a strategic solution
Refine Dossier so lenders easily comprehend project's underwriting analysis
Present Dossier to lenders identified as a strategic solution
Negotiation
Prescreen terms and conditions within lender's commitment letter to anticipate areas of refinement and ensure they meet borrowers financing objectives
Analyze commitment to ensure prefunding conditions are achievable according to lender's policies and guidelines
Work closely with borrower and lender as required to negotiate the terms of the financing commitment
Analyze commitment to ensure prefunding conditions are achievable according to lender's policies and guidelines
Work closely with borrower and lender as required to negotiate the terms of the financing commitment
Management
Create a timeline for all prefunding conditions and due diligence deliverables
Coordinate for the timely delivery of third party reports and reliance letters
Compare underwriting leases to tenant estoppels to ensure they satisfy commitment requirements
Liaise with solicitors representing both the borrower and lender
Coordinate for the timely delivery of third party reports and reliance letters
Compare underwriting leases to tenant estoppels to ensure they satisfy commitment requirements
Liaise with solicitors representing both the borrower and lender
Ongoing funding
Work closely with lender and quantity surveyor to ensure monthly construction advances are accurate and funded on time
Final Step
Provide ongoing support for the full life of the mortgage term
Canadian Pension Fund
Innocapital takes the time to target a package and it’s obvious they have thought it through from our side. They know what our loan program looks like so the financing will be structured appropriately. They know the lenders.
Canadian Financial Institution
They are a good liaison; they talk to the borrower and they know what we like and need – and that creates value on both sides, for the lender and the borrower.