We lend directly. Up to 85% LTV, stated income accepted, funded in 5–10 business days. If your file is outside our box, we refer you to a trusted partner in our Calgary lender network — no run-around.
Thanks — a Lend Pilots lending officer will review your file and be in touch shortly. If it isn't a fit for our capital, we'll introduce you to a vetted Calgary partner lender who is. We've opened your email so you can send the details our way.
Soft inquiry only. Information only — not an offer to lend.
Information only — not an offer to lend. All files subject to underwriting, property condition, and exit verification.
Over $30 million funded across Calgary, Airdrie, Cochrane, Okotoks, and Chestermere in the last 12 months — through Lend Pilots' direct capital and our Calgary partner lender network.
Real situations, anonymized. We underwrite our own capital on equity, exit, and property condition. When a file is outside our lending box, we hand it to a vetted Calgary partner so you still get to the closing table.
Situation: An active Calgary builder needed flexible capital to fund land, servicing, and vertical construction across multiple projects without re-applying for every draw.
What we did: Lend Pilots structured a $5 million builder line of credit — priced and drawn against project equity, with progress draws sized to construction milestones.
Situation: A Chestermere homeowner was facing maturity on an expiring private mortgage and needed time to list and sell the property without forcing a distressed sale.
What we did: Lend Pilots funded a $725,000 payout to take out the existing private lender, then bridged the file for nine months until the property sold cleanly.
Situation: A homeowner was in active foreclosure with a tight redemption window. The bank had moved on and conventional refinancing wasn't available.
What we did: Lend Pilots funded a combined $450,000 across a 1st and 2nd position to fully redeem the bank, stop the action, and give the client room to stabilize and exit on their terms.
Rates from 9.00%–18.00% per annum. Lender fees apply. Direct files are funded by Lend Pilots; partner files are placed with vetted Calgary private lenders. Information only — not an offer to lend.
A 60-second form. Soft inquiry only — no credit pull to get started.
A Lend Pilots lending officer reviews your file in-house and calls within 4 business hours with a clear yes, no, or referral.
If it's a fit, Lend Pilots funds it directly with our own capital. If not, we hand-pick a partner lender from our Calgary network.
Closing at a Calgary law firm. Cleared for funding, on your timeline — whether it's our money or a partner's.
Most private mortgage shops are brokers shopping your file to whoever is buying that week. We're different: we lend our own capital first. When a deal sits outside our criteria, we open the second door — a curated network of trusted Calgary private lenders we've worked with for years.
A private mortgage is a 12–24 month gap solution, not a forever mortgage. Here's the honest version.
| Position | Rate range (p.a.) | Loan-to-value |
|---|---|---|
| 1st mortgages | 9.00 – 12.99% | Up to 85% LTV |
| 2nd mortgages | 10.99 – 15.99% | Up to 85% CLTV |
| 3rd mortgages | 14.99 – 18.00% | Case by case |
All terms 1–2 years, fully open after 3 months. Rates from 9.00%–18.00% per annum. Lend Pilots charges a lender fee on direct files; partner-placed files may carry an additional placement fee, disclosed in writing before you sign. Subject to credit and property review. OAC. Information only — not an offer to lend.
Local appraisers, local lending officers, and deals closed at Calgary law firms. We lend block by block across the city and the surrounding towns — and when a file isn't ours to fund, we know exactly which Calgary partner to call.
Soft inquiry only. No obligation. Information only — not an offer to lend.
Soft inquiry only — we don't pull credit at this stage. When the bank says no, we ask different questions.
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