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Highcrest Private Capital

Private capital · Based in Toronto · Ontario focus

Capital with presence. Lending with judgment.

Unsecured personal and unsecured business loans — funded by principal capital, reviewed by the principal. Built for situations that do not fit the bank box.

Borrowers Brokers How we work
Founded 2026 Based in Toronto · Ontario focus Founder-funded Principal-reviewed

Not FSRA/MBLAA licensed. Highcrest does not presently arrange or deal in mortgages. Unsecured personal & business loans available now. Mortgage lending (1st, 2nd, bridge) — coming soon once brokerage licensed. For discussion purposes only · Not an offer to sell securities.

Unsecured personalAvailable now
Unsecured businessAvailable now
Mortgage lendingComing soon
DirectPrincipal oversight

Lending criteria

What we offer today

Available now: unsecured personal and unsecured business loans. Mortgage products are not offered until Highcrest holds an FSRA mortgage brokerage licence.

Unsecured personal loans

Simple volume product — relationship-based personal lending tailored to circumstances, not a consumer rate-shop.

  • Case-by-case structuring
  • Repayment capacity required
  • Subject to Canadian interest and disclosure rules; counsel reviews fee stacks before any commitment
  • Discreet, direct principal review

Unsecured business loans

Working capital and growth financing for established businesses — cash flow, character, and exit.

  • Operating and growth uses
  • PPSA personal-property security may be considered where appropriate (equipment, vehicles, inventory, receivables) — not real-estate mortgages
  • Structured as unsecured credit; PPSA personal-property security may apply where appropriate
  • Direct principal dialogue

Mortgage lending Coming soon

Private 1st / 2nd mortgages and bridge financing will be offered only after Highcrest is FSRA/MBLAA brokerage licensed (or via a counsel-approved licensed brokerage path). Not available today. No rates, LTV bands, or secured terms are published here.

We do not publish rate tables, guarantee approval, or claim licences we do not hold. Indicative outlines, when provided separately, are not commitments to lend.

Process

From inquiry to funding

1. Inquiry

Send a short outline — amount, purpose, borrower type (personal or business), and timeline.

2. Documents

ID / KYC, financials, bank statements, and business docs as applicable. Credit consent when we proceed.

3. Review

Principal underwriting on substance — capacity, character, and exit. Counsel scrub on rates and fees before any commitment.

4. Funding

Written terms only after approval. Funding through company channels. No soft commits by email.

FAQ

Private lending, answered plainly

Are you FSRA / MBLAA licensed?

No — not currently. Highcrest Private Capital Ltd. is founder-funded and is not presently licensed under Ontario’s MBLAA or by FSRA. We are building a licensing path with counsel.

Do you offer mortgages today?

No. Mortgage lending is coming once brokerage licensed. Today we offer unsecured personal and unsecured business loans only.

Do you still offer personal loans?

Yes. Unsecured personal loans remain a core available product — the simple volume line alongside unsecured business credit.

Do you publish rates or guarantee approval?

No. We do not publish rate tables or promise approval. Terms depend on the opportunity, risk, and documentation.

Where do you lend?

Based in Toronto · Ontario focus · Canada where permitted for unsecured credit. This is not a claim of national mortgage licensing.

About

Highcrest Private Capital Ltd.

A founder-funded private credit company. We evaluate opportunities on substance — cash flow, character, and exit — and structure facilities accordingly.

Director: Daniel D. / Daniel Dean. Incorporated 2026. Registered in Ontario. Building toward a professional, trustworthy Ontario private lender — licence path in progress with counsel.

Contact

Start a conversation

Company channels only. Tell us whether you need an unsecured personal or business facility — or want to be notified when mortgage lending launches.

Broker mortgage deal submissions are paused until Highcrest is brokerage licensed. Brokers may inquire about unsecured business opportunities only.