SMBR Financial

Team analyzing financial charts and data on a table.

Private Credit

SMBR Financial deploys proprietary capital into private credit and asset backed investment opportunities across multiple sectors.

Investments are evaluated on a deal by deal basis and structured with a focus on capital preservation, downside protection, and long term value. The platform prioritizes disciplined underwriting, strong collateral positions, and consistent risk management.

All investments are originated, underwritten, and actively monitored internally, ensuring alignment of interests and rigorous oversight throughout the life of each investment.

Investment Focus Areas

Historical and internal capital deployment activities include:

  • Real Estate Secured Investments

    First and second position mortgage investments, bridge capital, and construction-related exposure completed through licensed intermediaries.

  • Vehicle & Equipment-Backed Investments

    Asset-backed exposure secured by commercial vehicles, fleets, machinery, and business equipment.

  • Bridge & Interim Capital

    Short-duration capital deployed in connection with acquisitions, refinancings, or transitional situations.

  • Asset-Backed Leasing Exposure

    Participation in structured leasing arrangements secured by identifiable tangible assets.

Funded Deals

SMBR Financial has deployed capital across a range of private credit and asset-backed investments. The transactions shown reflect prior activity and are presented for illustrative purposes only.

Wooden cabin under construction in snowy landscape.

Renfrew County — Construction Loan Advanced at $450,000, 40% LTV, Rate 9%

Modern two-story house with gray exterior and large garage.

Stratford — First Mortgage Advanced at $517,400, 65% LTV, Rate 9.99%

Stone house with wooden window frames and a green lawn.

Quinte West — First Mortgage Advanced at $480,000.00, 60.00% LTV, Rate 9.25%

Blue metal building with small windows under clear sky.

Peterborough County — Commercial Mortgage Advanced at $595,000, 43.75% LTV, Rate 9.49%

Small white house with a wooden porch surrounded by trees.

Durham Region - First Mortgage Advanced at $300,000, $45% LTV, Rate 10%

Two-story brick and siding house with a front porch and attached garage.

Halton Region — First Mortgage Advanced at $812,500, 65% LTV, Rate 9.99%

Brick townhouse with garages and dormer windows in a suburban neighborhood.

Niagara-on-the-lake — First Mortgage Advanced at $415,000, 65.35% LTV, Rate 8.74%

Single-story house with a front porch and small lawn.

Niagara Region, Second Mortgage $90,000 @ 9% Rate 49.49% LTV 12 Month Term

A brick building behind green tree branches with a white window frame.

Ottawa — First Mortgage Advanced at $326,400, 64% LTV, Rate 9.99%

A cozy gray house with a wooden deck and stairs in a yard.

Timiskaming District — First Mortgage Advanced at $325,000.00, 50.00% LTV, Rate 9.50%

Thunder Bay District - First Mortgage Advanced at $245,000, 25.79% LTV, Rate 8.99%

Haliburton County - First Mortgage advanced at $455,000, 65% LTV, Rate 8.99%

Peterborough Country - Syndicated First Mortgage Advanced at $229,000, 65% LTV, Rate 8.99%