Home Equity Into Cash - Bad Credit OK.
Alberta's equity-based lenders. No income tests. No credit minimums. Approvals in 24-48 hours. Fast funding in 3-7 business days.
No obligation No credit pull 100% confidential
When Banks Say "No" - We Say "Yes"
Private lending is built for real-life situations that don't fit the bank's rigid rules.
Lightning Fast
While banks take weeks, we approve in 24-48 hours and fund in as little as 3-7 business days.
Equity-Based Approval
We lend on your home's value - not your credit score. If you have equity, you likely qualify.
Self-Employed Friendly
No T4s? No problem. We use "stated income" and bank statements to verify your ability to carry the loan.
Lower Monthly Cost
Private loans are interest-only, meaning lower monthly payments while you stabilize your finances.
Roadmap to Prime
We don't just lend money - we build a plan to get you back to a bank at prime rates within 12-24 months.
Alberta Experts
We know the Alberta market - Edmonton, Calgary, Red Deer, Lethbridge, and all points in between.
Common Situations
Debt Consolidation
Pay off high-interest debt (20%+) with a lower-rate mortgage. Free up monthly cash flow instantly.
Stop Foreclosure
Emergency funding to stop legal proceedings and save your home - often within days.
Renovate to Sell
Get the cash needed to finish renovations and increase your home's market value before listing.
Bridge Financing
Buying before you sell? We bridge the gap quickly without rigid qualification rules.
Bank Turndowns
Failed the stress test? Self-employed? Bring us your declined file - we've seen it all.
Business Capital
Access working capital to grow your business using your most powerful asset - your home equity.
Private vs. Traditional Bank
| Feature | Traditional Bank | Private Lender (Us) |
|---|---|---|
| Approval Basis | Credit & T4 Income | Equity & Location Better |
| Funding Time | 15-30 Days | 3-7 Days Faster |
| Approval Turnaround | 5-10 Days | 24-48 Hours Faster |
| Loan Term | 1-5 Years | 1-2 Years (Bridge) |
| Payments | Principal + Interest | Interest-Only Lower |
| Stress Test | Yes - strict | No Stress Test Better |
| Bad Credit? | Likely Declined | Equity-Based - OK Better |
| Paperwork | Extensive | Minimal Easier |
A Roadmap to Success
Private lending is a bridge, not a destination. Here's how we get you back to bank rates.
Get Funded
Access equity to stop the financial bleeding or consolidate debt immediately.
Fix Credit
Use the funds strategically to pay off high-interest debt and improve your credit score.
Season Income
Build 1-2 tax years of verifiable income to meet traditional bank requirements.
Refinance Bank
Transition back to a traditional bank at prime rates. Mission complete.
Common Questions
Approvals in 24-48 hours. Funding typically in 3-7 business days.
Yes, but approvals are based on equity. If you have equity, you are likely approved regardless of score.
Absolutely. We specialize in Stated Income for entrepreneurs without traditional T4s.
Private loans are short-term. We bridge the gap until you can refinance with a traditional lender.
Typically 20-25% equity. An appraisal will confirm your property's current market value.
Yes. We can provide emergency funding to stop legal proceedings - often within days.
Saving the Day
"Facing foreclosure, EDMMTG got me funded in 5 days. Saved my family's home. Cannot thank Steven enough."
"Banks turned me down as self-employed. Steven got me approved on equity alone. Fast, easy, and professional."
"Had a consumer proposal but EDMMTG approved me in 48 hours. Helped me consolidate everything. Life saver."
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