At Fynora Capital we are not just consultants — we are specialists with decades of frontline experience in Canadian mortgages, corporate finance, M&A, commercial real estate, and business transactions. Our mission is to guide individuals and companies across Canada through high-stakes financial and strategic decisions with precision, insight, and measurable outcomes.

Unlike general consulting firms, we bring in industry veterans who have worked inside banks, investment firms, law practices, and real estate organizations, combining deep market knowledge with hands-on experience to deliver results that matter.

Mortgage Consulting

Canadian mortgage markets, particularly in Toronto and the GTA, are complex, highly regulated, and ever-evolving. Our mortgage specialists have decades of experience with major banks, private lenders, and credit unions, giving them inside knowledge of lending criteria, risk assessment, and structuring techniques.

We offer:

• Residential Mortgages: First-time buyers, investment properties, refinancing, and equity release.

• Commercial Mortgages: Multi-unit residential, office, retail, and industrial financing.

• Investment & Portfolio Financing: Structuring mortgages for high-net-worth clients or property investors.

How We Deliver Value:

• Analyze your financial profile and long-term goals to identify optimal mortgage structures.

• Negotiate directly with lenders to secure competitive rates and flexible terms.

• Provide guidance on regulatory and tax implications unique to Ontario and Canada.

We helped a Toronto-based logistics firm secure a $6.2M commercial mortgage, after two banks had declined financing. By leveraging alternative lenders and structuring the deal strategically, the client was able to expand operations with minimal cost of capital.

Mergers & Acquisitions (M&A) Advisory

Our M&A specialists combine backgrounds in investment banking, corporate law, and private equity to guide clients through complex transactions across Canada. We handle every aspect of the deal lifecycle, including:

• Business Valuation & Financial Analysis: Determining true market value using rigorous methodologies.

• Due Diligence: Identifying risks, liabilities, and growth opportunities.

• Negotiation & Deal Structuring: Crafting agreements that protect client interests.

• Integration & Post-Merger Strategy: Ensuring smooth transitions for employees, operations, and systems.

A British Columbia tech company sought acquisition by a U.S. firm. We conducted comprehensive due diligence, negotiated key contract protections, and managed the post-merger integration, resulting in a $12M acquisition with 95% of staff retained.

Debt Financing Solutions

Capital is the lifeblood of business growth, but securing it requires expertise. Our debt financing team has negotiated millions in loans and credit lines for Canadian companies of all sizes.

Services include:

• Bank and Institutional Lending: Term loans, lines of credit, and revolving credit.

• Private Lending Solutions: Alternative financing when conventional banks decline.

• Refinancing & Debt Restructuring: Reducing interest costs, extending terms, and improving cash flow.

An Ontario manufacturing client needed $4.5M to expand production. We combined traditional bank loans, government-backed programs, and private capital to structure a cost-efficient financing package, enabling a 30% increase in production capacity.

Commercial Real Estate Consulting

The Ontario commercial real estate market is highly competitive and requires deep local knowledge to make profitable decisions. Our commercial real estate specialists advise clients on:

• Property Acquisition & Investment Analysis: Market research, valuation, and risk assessment.

• Leasing & Portfolio Management: Maximizing rental income and optimizing occupancy.

• Development & Redevelopment Projects: Feasibility analysis, financing, and zoning guidance.

We guided a Toronto investor group in acquiring a $10M mixed-use property, providing financing support, market analysis, and development strategy that resulted in strong rental yields and long-term appreciation.

Business Buying & Selling Services

Buying or selling a business is one of the most consequential financial decisions a Canadian entrepreneur can make. Our business acquisition and sale specialists provide end-to-end support:

• Valuation & Market Positioning: Accurate assessment of business worth and highlighting competitive advantages.

• Buyer & Investor Matching: Access to vetted buyers and investors across Canada.

• Deal Structuring & Negotiation: Optimizing terms for maximum value and minimum risk.

• Due Diligence & Closing Support: Ensuring compliance and smooth transaction execution.

We assisted a family-owned retail chain in Alberta to prepare for sale. After a thorough valuation and strategic positioning, the business sold for $8.4M — 20% above the client’s expectations, with a smooth transfer of operations.

Business Advisory Services

Our advisory services go beyond recommendations. We act as embedded specialists, helping Canadian companies tackle financial, operational, and strategic challenges.

Key offerings include:

• Financial Restructuring & Risk Management: Improving cash flow, renegotiating debt, and mitigating operational risks.

• Strategic Planning: Growth strategies, market expansion, and succession planning.

• Operational Efficiency: Streamlining processes to reduce costs and improve productivity.

A Western Canada food distributor was experiencing declining margins due to high debt and inefficiencies. Our team restructured the debt, optimized supply contracts, and implemented cash-flow controls, restoring profitability within 18 months and positioning the company for a future sale.

Why Choose Us?

At Fynora Capital our approach is specialist-driven, results-oriented, and Canada-focused. Every service leverages the experience of professionals who have worked inside banks, law firms, investment houses, and commercial real estate firms. We combine insider knowledge, strategic networks, and practical execution to deliver outcomes that are measurable, sustainable, and aligned with our clients’ long-term goals.