Financing solutions built for entrepreneurs and business owners
Running your own business requires vision, grit, and innovation, but when it comes time to buy or refinance a home, traditional retail banks often fail to understand your true financial picture. Because entrepreneurs naturally utilize legitimate tax write-offs to reduce their net taxable income, a standard bank look at your personal tax returns rarely reflects your actual purchasing power.
At Trusterra Mortgage, we believe your ambition should be rewarded, not penalized. We specialize in Business for Self (BFS) financing, looking past standard tax lines to analyze the full strength of your business operations. As independent advocates, we connect you with alternative lenders and specialized programs across Ontario, Alberta, and New Brunswick that recognize your true income and value your entrepreneurial success.
Navigating Business for Self Mortgage Programs
Securing a mortgage when you work for yourself doesn’t mean you have to jump through impossible hoops. Sourcing your financing through an independent brokerage unlocks access to flexible lending criteria specifically designed for the self-employed community:
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Stated Income Frameworks – Access specialized programs that allow your income to be reasonably stated based on your business type and gross corporate revenues, rather than relying strictly on personal taxable net figures
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Corporate Add-Back Strategies – We work with lenders who allow us to “add back” corporate write-offs—such as depreciation, car allowances, and home office expenses—to significantly boost your qualifying income
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Streamlined Documentation Pathways – Skip the endless paperwork loops; we map out clear, realistic documentation requirements based on what your business actually generates
Tailored Solutions Across Every Business Structure
Whether your business is a lean solo operation or a growing corporation, we build a custom financing strategy that aligns with your specific setup:
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Incorporated Business Owners – Strategic planning for owners who pay themselves a mix of salary, dividends, or leave retained earnings sitting safely inside their corporation
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Sole Proprietors and Partners – Tailored solutions for individuals using gross revenues and industry-standard profit margins to prove consistent cash-flow metrics
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Independent Contractors – Specialized lending products for freelancers and consultants who have strong contract histories but lack standard full-time employment letters
Let’s Secure the Capital Your Business Deserves
Your business financials tell a unique story of growth and capability. Don’t let a rigid retail bank algorithm put your homeownership or investment goals on hold. Let us analyze your corporate structure and find the optimal lender to bring your property goals to life.