Financing decided by underwriting, not by guesswork.
Canady Investments underwrites commercial transactions against documented lender credit boxes, then routes each one to the capital sources matched on price, speed, and structure. Business-purpose only.
No sign-in required to use the calculators. No credit pull anywhere on this site.
Most financing conversations start with a guess.
Someone gives you a rate and a leverage number on a phone call, before anyone has read the file. It sounds like an answer. It is an opinion, and it moves.
Quoted before you are underwritten
A number offered before the financials are read is not a credit decision. It changes the moment a real underwriter opens the file — usually in the wrong direction, and usually late.
The same word means different things
We hold three independent term sheets that each define 1–4 unit DSCR differently. A transaction that clears at one source fails at another on definition, not on merit — and nobody tells you which definition you were quoted under.
Price gets discovered last
By the time terms actually firm up, weeks are gone, the file has been shopped, and your leverage in the negotiation is at its lowest point.
The cost of a guess lands at the closing table.
Not in the first meeting, where it would be cheap. At the end, where it is expensive and where you have already committed.
Underwrite first. Route second. Nothing quoted before it is read.
The order is the whole point. Every transaction runs the same four stages, and you can see which one yours is in at any time.
Structured intake
One file, captured once, in a standard shape. We do not ask you for the same document twice.
Credit-box validation
Your numbers are measured against the written credit boxes we hold on file — before anyone is called.
Capital routing
The transaction goes to the sources matched on price, speed, and structure, with the definition you were measured under stated.
Execution
Closing coordination, document tracking, and status in one place — visible to you, not just to us.
Check your own deal first. It is free, and nothing here asks you to sign in.
We would rather you arrive already knowing roughly where you stand. Everything below runs on numbers you enter, on this site, at no cost.
Underwriting calculators
Thirteen deterministic calculators — DSCR, LTV, LTC, ARV, bridge, construction, equipment, and more. The same math the desk runs internally.
Fundability report
Where a transaction stands against real credit-box criteria, and what specifically would have to change to clear them.
Capital capacity
Sizes the borrower rather than one deal — what total capital is realistically available across instruments, and in what order.
Capital-readiness score
A short structured check of whether a file is ready to go to capital at all, before anyone spends a week on it.
The guide
Plain explanations of how these transactions are actually underwritten, written for the person signing, not for lenders.
Insights
Notes from the desk on structure, timing, and why deals of a given shape clear or fail.
Sponsors, operators, and the professionals who bring them.
Commercial and business-purpose transactions. If you are financing a home you intend to live in, this is not the right desk, and we will say so on the first call.
Operators & acquirers
Buying, expanding, or recapitalizing an operating business, and needing the capital structure to hold up under diligence.
Real estate sponsors
Bridge, acquisition, construction, and DSCR-rental capital, structured against the asset rather than a general profile.
Business owners
Growth and working capital, recapitalization, or an eventual sale — sized on what the financials actually support.
CPAs, attorneys & brokers
Originators who want a client handled properly and want to see where the file stands without chasing anyone for an update.
Capital providers
Sources looking for structured, diligence-ready flow that already fits a stated mandate and check size.
Private clients
Investors, family offices, and repeat counterparties who want a direct line to the desk rather than a ticket queue.
Structured for the transaction, not for a product sheet.
The categories that actually move private-market deals. Which one applies is an underwriting conclusion, not a menu choice.
Acquisition capital
Financing to acquire businesses and assets, structured for certainty of close rather than headline rate.
Commercial real estate
Acquisition, construction, bridge, and permanent capital across property types.
Business financing
Growth, working capital, and recapitalization for operating companies.
Bridge capital
Short-term capital where timing, not price, is the binding constraint.
Asset-based lending
Capital secured by receivables, inventory, equipment, and real assets.
Structured & strategic capital
Mezzanine and partnership structures for situations a single instrument does not solve.
How these transactions actually get done.
Written for the person signing, not for lenders. No hype, no promises about rates or approvals — just the structure and the timing behind why a deal of a given shape clears or fails.
When asset-based capital beats a traditional term loan
A term loan is priced on your trailing financials. Asset-based capital is priced on what you own and what you’re owed. Sometimes that difference is the deal.
Structuring certainty of close into an acquisition offer
Sellers don’t always take the highest offer. They take the one they believe will actually close. Here’s how to make yours that offer.
Deal flow without capital flow
Accountants, attorneys, and brokers see financing needs before anyone else — and rarely have anywhere to send them. That gap is worth real money. Here is the arrangement.
A direct line to the desk.
For operators, business owners, investors, and family offices who expect discretion and a named person on the other end — not a portal ticket and a queue.
Book a Call With the Desk →The things people actually want to know before they call.
Including the ones most sites in this business avoid.
What does Canady actually do?
We originate, underwrite, and route commercial financing transactions. In practice: you bring a transaction, we structure and underwrite it against the written credit boxes we hold, and we take it to the capital sources it genuinely fits — with the reasoning shown to you rather than kept behind the desk.
Do you lend your own money?
No. We are an intermediary to a network of capital sources. We do not lend from a balance sheet, we do not hold the credit risk, and we never present ourselves as the lender. The capital source makes the credit decision — our work is making sure the file reaches the right one, correctly built.
What does it cost to find out where I stand?
Nothing. Every calculator and report on this site is free and requires no account. An initial review of a transaction carries no obligation.
Where an engagement does carry a fee, it is set out in writing and agreed before any work begins. We do not publish fee figures on a website, because the honest answer depends on the structure — and a number posted here would be a guess, which is the exact thing this desk exists to stop.
Will you pull my credit?
Not on this site, and not as part of an initial conversation. Nothing on this page touches a credit bureau. The calculators run entirely on figures you enter. If a transaction later advances to a specific capital source, that source will tell you exactly what it requires and you decide at that point.
What kinds of transactions do you handle?
Commercial and business-purpose only: business acquisition, commercial real estate, bridge, construction, DSCR rental, equipment, working capital, and asset-based facilities.
We do not handle consumer-purpose credit or owner-occupied residential mortgages. If that is what you need, we will tell you on the first call rather than take you through an intake.
How fast does this move?
Timelines belong to the capital source, not to us — so we will not publish one of ours. What we will do is tell you which stage your transaction is in and what is actually holding it, at any point, without you having to chase an update.
The part genuinely in our control is preparation. A file that arrives complete is measured against credit boxes immediately; a file missing three documents waits on those three documents, whoever is handling it.
What do I need to bring?
For most commercial transactions: recent business financials, recent bank statements, an ownership summary, and the specifics of the transaction itself — purchase contract, rent roll, budget, or vendor quote, depending on the type.
You do not need to have all of it ready to start a conversation. It is usually more useful to talk first and collect second, so you are not gathering documents for a structure that turns out to be the wrong one. And once a document is in your file, we do not ask you for it again.
Who sees my information?
Your file is visible to the people at this firm working your transaction. It is not sold, not published, and not shared with a capital source without your knowledge of where it is going.
Full terms are in our privacy policy, and a mutual NDA is available before you send anything sensitive — you do not have to ask for it.
Are you a broker or a financial adviser?
An intermediary — we make recommendations about capital structure, not investment advice. We do not manage money, we do not sell securities to the public, and where a question calls for licensed legal, tax, or investment advice we say so and point you to a professional who holds that license.
Can you guarantee I will get funded?
No, and you should be careful with anyone in this industry who says otherwise. The credit decision belongs to the capital source. What we can commit to is that your transaction is measured against real written criteria before anyone spends time on it — so if it does not clear, you learn that early and you learn precisely why.
I am a CPA, attorney, or broker. How does this work for my client?
You submit the transaction, and you keep the relationship. You get visibility into where the file stands, so when your client asks you for an update you have an answer without calling us for it.
Compensation is agreed in writing up front. Start at the intake form or book a call and say you are bringing a client.
Can I just talk to a person?
Yes, and that is usually the fastest route. Book a call with the desk or email desk@canadyinvestments.com. A real person reads it.
Find out where you stand
before it costs you anything.
Run the numbers yourself, or send the transaction over and have it measured against real credit criteria. Either way you will know more in an hour than most files learn in a month.