Vantage Private Lending Corporation provides structured financing solutions to businesses and real estate owners across Canada. We move quickly, underwrite on fundamentals, and close deals that institutional lenders cannot.
Asset-based lending, bridge financing, invoice factoring, receivable finance, purchase order financing, and convertible debt — all under one roof.
We lend exclusively our own capital — no syndications, no co-lenders. Founded in 2015, when we issue a commitment, we fund. From $50,000 to $5 million.
Most transactions close within 5–10 business days. Some structures fund in 48 hours. We underwrite the asset — not the credit file.
Ontario, Alberta, BC, Quebec and all provinces. Broker partnerships and direct borrower inquiries both welcome.
Founded in 2015, Vantage Private Lending Corporation is a Canadian-based private credit firm providing bespoke financing solutions to businesses and property owners who require speed, flexibility, and certainty of execution.
We are balance-sheet lenders deploying exclusively proprietary capital — no syndications, no co-lenders, no outside investors. Every commitment we issue is backed by our own funds, which means no delays, no committee queues, and no last-minute conditions. When we say we'll fund, we fund.
Our approach is built on asset-level underwriting. We assess the quality of the collateral, the credibility of the borrower, and the clarity of the exit — not credit scores or bureaucratic ratios.
Erik leads transaction underwriting and due diligence across all lending structures at Vantage. With over 14 years of credit experience at a major Canadian chartered bank and two boutique commercial finance firms, he brings rigorous asset-level analysis to every deal. Erik holds a CFA designation and a Bachelor of Commerce from Queen's University. He has personally underwritten in excess of $400 million in commercial credit across manufacturing, real estate, logistics, and technology sectors.
Rachel oversees all financial reporting, treasury, and regulatory compliance functions at Vantage. A Chartered Professional Accountant with over 11 years of experience in financial services, she previously held senior finance roles at a Toronto-based asset management firm and a regional trust company. Rachel is responsible for portfolio reporting, investor accounting, and ensuring the integrity of Vantage's financial operations. She holds a Bachelor of Business Administration from Wilfrid Laurier University.
Six core financing structures, each purpose-built for a specific capital need. We underwrite the transaction and the asset — not the borrower's history. Whether bridging a gap, unlocking receivables, or financing a growing order book, Vantage has a structure that fits.
A revolving credit facility secured by your accounts receivable, inventory, and equipment. Borrowing availability grows with your business — advancing capital as your asset base expands. Ideal for growing companies outpacing their bank lines.
Short-term senior or mezzanine debt secured by real property or business assets. Designed for time-sensitive closings where conventional lenders cannot move fast enough. First and second mortgage positions available across all property types.
Convert outstanding B2B invoices into same-day working capital. We advance up to 90% of eligible receivables with a transparent fee structure and no hidden charges. Notification and non-notification programs available.
A confidential, non-notification line of credit secured by your accounts receivable ledger. Maintain full control of your customer relationships while unlocking the cash trapped in your unpaid invoices.
Fund the production or importation of confirmed, pre-sold goods when your cash position cannot support the order. We pay your supplier directly and recover upon delivery and customer payment.
Hybrid debt instruments including convertible debentures, subordinated notes, and royalty-based structures for growth-stage companies seeking non-dilutive capital with flexible repayment terms.
"We had a 72-hour window to close a commercial purchase or lose our deposit. Every bank we called needed three weeks minimum. Vantage issued a term sheet in four hours and funded six days later. They saved the deal entirely."
"Our bank pulled our operating line mid-year because of a one-time inventory write-down. It wasn't a cash flow issue — it was an accounting entry. Vantage understood that immediately and had us on an ABL facility within two weeks."
"The PO from our biggest retail client would have been the best month in our company's history — except we couldn't fund the supplier. Vantage paid our manufacturer directly. Changed the trajectory of our business."
"We were a 14-month-old staffing company billing provincial clients — great customers, slow payers. Vantage's factoring program meant we could make payroll every week without stress. Completely transparent fee structure."
"The convertible note Vantage structured was exactly right for our stage. We weren't ready for equity but needed growth capital. They moved fast, didn't over-engineer the terms, and treated us like a real business even though we were pre-Series A."
"I've dealt with a lot of private lenders. Most are slow, opaque about costs, and change the deal at the last minute. Vantage was different on all three counts. The term sheet matched the funding documents. No surprises at close."
All inquiries are treated with strict confidentiality. We respond to every submission within one business day. Broker inquiries and referral partnerships welcome.
Last updated: January 1, 2025
Vantage Private Lending Corporation ("Vantage," "we," "us," or "our") is committed to protecting the privacy of all individuals who interact with our website and services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.
We may collect personal information that you voluntarily provide when submitting a deal inquiry or contacting us, including your name, email address, telephone number, company name, and details relating to a financing request. We do not collect sensitive financial data (such as banking credentials or social insurance numbers) through this website.
Information collected is used solely to evaluate financing inquiries, respond to correspondence, and administer our lending activities. We do not sell, rent, or trade personal information to third parties. We may share information with legal counsel, accountants, or other professional advisors engaged in connection with a specific transaction, subject to confidentiality obligations.
We retain personal information only for as long as necessary to fulfill the purpose for which it was collected, or as required by applicable law. Inquiries that do not result in a transaction are typically purged within 24 months of last contact.
We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. No method of transmission over the internet is completely secure; we cannot guarantee absolute security.
You have the right to request access to, correction of, or deletion of personal information we hold about you. To exercise these rights, contact us at info@vantageplc.com. We will respond to all access requests within 30 days.
This website does not use tracking cookies or third-party analytics services. No personally identifiable information is collected through automated means during your visit.
Questions regarding this Privacy Policy may be directed to:
Vantage Private Lending Corporation
1670 Bayview Avenue, Toronto, Ontario M4G 3C2
info@vantageplc.com
Last updated: January 1, 2025
By accessing or using the Vantage Private Lending Corporation website (vantageplc.com), you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of this website immediately.
Nothing on this website constitutes an offer to lend, a solicitation of an offer to borrow, or a commitment to provide financing of any kind. All financing is subject to credit approval, satisfactory due diligence, and execution of definitive legal documentation. Deal structures, rates, and terms referenced on this site are illustrative only.
The content on this website is provided for general informational purposes only. It does not constitute legal, financial, tax, or investment advice. You should obtain independent professional advice before making any financial decision.
All content on this website, including text, graphics, logos, and design elements, is the property of Vantage Private Lending Corporation and is protected by applicable Canadian and international intellectual property laws. No content may be reproduced, distributed, or used without our prior written consent.
This website may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of any third-party site. Links are provided for convenience only and do not imply endorsement.
To the maximum extent permitted by law, Vantage Private Lending Corporation shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this website or its content.
These Terms of Use are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any dispute arising under these terms shall be subject to the exclusive jurisdiction of the courts of Ontario.
We reserve the right to modify these Terms of Use at any time without prior notice. Continued use of the website following any amendment constitutes your acceptance of the revised terms.
Questions regarding these Terms of Use may be directed to:
Vantage Private Lending Corporation
1670 Bayview Avenue, Toronto, Ontario M4G 3C2
info@vantageplc.com
Last updated: January 1, 2025
Vantage Private Lending Corporation is a private lender and is not a bank, trust company, credit union, or other deposit-taking institution regulated under the Bank Act (Canada) or any provincial legislation governing deposit-taking. We do not accept deposits from the public.
Submission of an inquiry or deal through this website does not guarantee that financing will be offered or approved. All financing decisions are made at the sole discretion of Vantage Private Lending Corporation following satisfactory completion of due diligence and legal documentation.
Transaction examples and case studies referenced on this website are presented for illustrative purposes only. They are based on historical transactions with details modified or anonymized to protect borrower confidentiality. Past transactions do not guarantee similar outcomes, structures, terms, or results for future transactions.
Client perspectives presented on this website reflect the general experiences of borrowers who have worked with Vantage Private Lending Corporation. Individual names and identifying details have been omitted or anonymized. These testimonials do not constitute a warranty or representation regarding the experience any prospective borrower will have.
Any interest rates, advance rates, fees, loan-to-value ratios, or deal structures referenced on this website are indicative only and are subject to change without notice. Actual rates and terms will be set out in formal term sheets and definitive legal agreements.
Nothing on this website should be construed as legal, financial, accounting, or tax advice. Prospective borrowers are strongly encouraged to seek independent legal and financial counsel before entering into any financing arrangement.
Questions regarding this Disclaimer may be directed to:
Vantage Private Lending Corporation
1670 Bayview Avenue, Toronto, Ontario M4G 3C2
info@vantageplc.com