Institutional Lending Prêts Institutionnels

Lending as a Wealth Preservation Tool

For high-net-worth Canadians, borrowing is not a sign of financial stress — it is a sophisticated tool for capital efficiency. When structured correctly, debt allows you to access liquidity without triggering capital gains, maintain investment positions during temporary cash requirements, and optimize the tax treatment of interest expenses.

Securities-Backed Credit Facilities

A securities-backed credit facility allows you to borrow against the market value of your investment portfolio without selling the underlying assets. This is particularly valuable when you need capital for a real estate acquisition, business opportunity, or significant personal expenditure and your portfolio holds appreciated positions that would trigger a substantial capital gains tax liability if liquidated.

St. Lawrence Gate structures these facilities at institutional rates, with flexible repayment terms and no requirement to liquidate positions to service the credit line. The facility is reviewed quarterly and the available limit adjusts with the value of the collateral portfolio.

Real Estate Bridge Financing

For clients navigating the purchase of a new principal residence before the sale of an existing property, or the acquisition of investment real estate requiring a rapid close, our bridge financing solutions provide certainty of capital at terms unavailable through conventional mortgage channels.

Corporate Credit Structures

Business owners with incorporated wealth often require credit at the corporate level that is coordinated with their personal financial structure. St. Lawrence Gate's advisory team works alongside your corporate counsel to ensure that any lending arrangement is optimized for both the corporate and personal tax implications.