Fast, Asset-Backed Hard Money For Alberta Real Estate.
We bypass institutional red tape. Whether you are an active investor scaling a portfolio or a mortgage broker saving a dying deal, we provide the hard money liquidity you need to close fast.
PROUDLY FUNDING ALBERTA
SINCE 2008
I am a Real Estate Investor
You find the deal; we bring the capital. Bypass the bank and secure fast, asset-based funding for your next Fix & Flip, BRRRR, or commercial acquisition.
I am a Mortgage Broker
Consider us your in-house private deal desk. We provide clear underwriting guidelines, fast term sheets, and strictly protected broker fees.
Built for Speed and Execution
Fast Term Sheets
Speed is your best negotiating tool. We issue term sheets in 24-48 hours and fund in a fraction of the time of a traditional Canadian bank.
Asset-Based Underwriting
We look at the After Repair Value (ARV) and your exit strategy, not just your personal tax returns or debt-to-income ratios.
100% Fee Protection
For our broker partners, we view you as our origination team. You dictate your fee, and we protect it on the final settlement statement.
No Minimum Credit Score
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No Minimum Loan Amount
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No Past Experience Required
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No Payout Penalty
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No Minimum Credit Score 〰️ No Minimum Loan Amount 〰️ No Past Experience Required 〰️ No Payout Penalty 〰️
Capital for Every Stage of the Deal
The BRRRR Strategy
Build Your Portfolio Faster
Short-term hard money to buy and renovate distressed assets before your bank refinance.
Debt Consolidation
Path Back to A-Tier Financing
Clean up your corporate balance sheet, pay off CRA arrears, or consolidate high-interest private debt.
Fix & Flip Loans
The Launchpad for Distressed Properties
Fast acquisition capital and 100% of your rehab costs funded in predictable draws.
Commercial Bridge
Scale Your Holdings.
Short-term liquidity to stabilize multi-family assets, execute partner buy-outs, or close fast.
Built by Investors. Fueled by Real-World Math.
In the Alberta market, timing dictates who wins. Traditional banks see construction risk and hit the brakes; we see opportunity and back you. AJS Capital is your financial firepower in competitive bidding wars. We underwrite the asset value and your exit blueprint—not just a historical T4. Think of us as the heavy machinery behind your portfolio expansion, clearing the path so you can build real equity.
Our Story
AJS Capital was founded on a singular belief: the real estate investors that drive the Western Canadian economy are fundamentally underserved by traditional finance.
When a growing Alberta investor needs capital to buy a new property, or refinance to improve the property or bridge a purchase, the "Big 5" banks rely on rigid algorithms, demand perfect historical tax returns, and take weeks to make a decision.
That is where we step in. As an independent, Principal-led lender, we act as your financial co-pilot. We don’t sit in an ivory tower looking at an automated score; we look at the hard equity in your real estate and the real-world drive behind your business. We provide the liquidity pipeline you need to scale your holdings today without getting choked by institutional red tape.
Join the AJS Capital Insider List
Capital markets shift quickly. Join our exclusive network to receive immediate updates on rate adjustments, new lending guidelines, and local Alberta market data before it goes public.
Have a property under contract?
Let’s run the numbers. Book a confidential 15-minute call with our deal desk to review your project, or use our interactive calculators to run the math yourself.