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Equity-based files for BC homeowners declined by banks or needing 5-10 day close.
Beacons 500-680 with 20%+ equity. B-lender or private path.
Incorporated, write-off heavy, under 2 years. B-lender stated income or private.
HELOC / 2nd mortgage / refinance combos. Often paired with B-lender placement.
5-10 day close files. Higher rate tolerance, better fee structure.
Payment-shock cohort. 1.2M Canadian households needing options Q3-Q4 2026.