Direct Private Lender for Commercial Real Estate Nationwide

Founded in 2001, Ontario Wealth Management Corporation (Owemanco) is a private mortgage fund offering bridge loans secured by investment properties throughout the United States and Canada. Owemanco’s team is comprised of underwriting professionals with hands-on experience in real estate, loan origination, loan servicing, and asset management. Our brokers and clients benefit from informed underwriting solutions resulting from powerful team dynamics and in-house expertise. We ensure that we put our best foot forward with each transaction and deliver on our promises. Our track record is an affirmation of the values we hold in esteem.

Property Geographic Area Details
All 50 U.S. States and Ontario
Loan Amounts
$1,000,000 to $20,000,000
Interest Rates
7% to 9%
Loan Terms
12 months to 36 months
Origination Fees
1.5% to 2.5%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Auto Dealership
  • Auto Repair
  • Bed and Breakfast
  • Cannabis Dispensary
  • Car Wash
  • Commercial Condominium
  • Condominium
  • Cooperative
  • Healthcare
  • Hotel
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Retail
  • School
  • Single Family Residence

Loan Types

  • Commercial Bridge
  • Commercial Property Value Add

Specialty Loan Types

  • Condo Conversion

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Maximum After Repair Value


Deposit Required

Deposit is required when LOI is signed by borrower, after the initial site visit.

Site Visit Fee

An Owemanco employee will do a site visit before issuing an agreement and formal LOI.

Appraisal Fee

Most of our loans require a BPO (broker price opinion) and only some loans will require an appraisal. Borrower pays the BPO or appraisal fee.

Fees which are mandatory for all new borrower clients

  • Deposit
  • Site Visit Fee

Fees which are paid to a third party company

  • Appraisal Fee
  • Inspection Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property


Legal Disclaimer

Rates and Terms are subject to change without notice. Owemanco is licensed with the Financial Services Commission of Ontario as a Mortgage Brokerage (Lic. 10506) and a Mortgage Administrator (FSCO Lic. 11758). Owemanco is proud to be a member of the Independent Mortgage Brokers Assocation of Ontario, the Private Capital Markets Association, The Toronto Construction Association and the Mortgage Bankers Association.

Get In Touch

Owemanco pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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Ontario Wealth Management Corporation (“Owemanco”) originates and administers loans secured by mortgages in Canada and the United States. Established in 2001 and headquartered in Toronto, Canada, Owemanco is a professional private lender that provides bridge loans ranging between $1,000,000 and $20,000,000. Owemanco sets itself apart from its competitors with the speed and accuracy with which it underwrites and funds new loan opportunities.

Our core strength lies in the speed with which we deliver financing to our clients; our flexible terms ensure that each loan is tailored to the specific needs of our clientele. Our precise underwriting and thorough analysis of all asset types brands us as market leaders and our track record for the past 20 years demonstrates our commitment to originating novel solutions to convoluted challenges. We pride ourselves on our timeless lending formula that is deeply rooted in solid due diligence processes which include visiting every property and interviewing every borrower while maintaining an open-mindset to welcome every circumstance. Our expertise combined with prudent lending practices originates a powerhouse of opportunities that propels us to the forefront of the bridge lending industry.

Owemanco is a licensed Mortgage Brokerage with the Financial Services Regulatory Authority of Ontario (License no. 10506) and a licensed Mortgage Administrator (FSRA License no. 11758). Owemanco is also a member of the Independent Mortgage Brokers Association of Ontario, Ontario Mortgage Investment Companies Association (ONMICA), PCMA and Mortgage Professionals Canada.


FSRA Lic. 10506, FSRA Lic. 11758

Year Established



  • Independent Mortgage Brokers Assocation of Ontario
  • Mortgage Professionals Canada

Office Locations

2950 Keele Street, Suite201, Toronto, Ontario M3M 2H2

Primary Capital Source
  • Debt Fund We Manage
Loan Structure for Majority of Loans
  • Own Balance Sheet
Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Sohail Zayona

Partner & Operating Officer

Funded Deals

Get In Touch

Owemanco pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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Contact Owemanco by whichever method you choose.

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Our Minimum Loan Amount Is


What We Do

  • Lending throughout the USA + Ontario
  • Purchase & Refinance Bridge Loans
  • LTV / LTC up to 65%
  • 35% Cash Required for Acquisitions
  • Will Consider Luxury Residential Properties

Not Available

  • NO 100% Financing or High Leverage
  • NO Land Loans
  • NO Construction except in NYC, IL, FL
  • NO Junior Liens in the USA
  • NO Owner-Occupied Homes in the USA

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