Private Commercial Lending Across Alberta & Western Canada
Common-Sense Capital for Alberta Real Estate.
Bow Valley Capital is a private commercial mortgage lender serving borrowers and brokers across Alberta and Western Canada—from Calgary, Edmonton, and Red Deer to smaller communities where a strong deal deserves a thoughtful look.
1st & 2nd Mortgages 3–12 Month Bridge & Term Direct Principal Decisions
Based in Canmore, Alberta
Private Commercial Lending across Alberta & Western Canada
What We Finance
Flexible Lending Built Around the Whole Picture
Traditional institutions often decline solid transactions over rigid ratios or slow committee timelines. We structure practical 1st and 2nd mortgages backed by commercial and investment real estate.
Owner-Occupied Commercial
Working capital, acquisition, and refinance solutions for operating businesses secured against their own commercial property.
Investment Properties
Responsive 1st and 2nd mortgage capital for income-producing commercial, mixed-use, and multi-unit investment assets.
Land & Development
Acquisition, servicing, and pre-construction bridge financing for well-located land and infill projects across Alberta and Western Canada.
Bridge Financing
Short-term 3-to-12-month bridge facilities when borrowers need certainty of execution ahead of a sale or bank takeout.
Regional Mandate
Rooted in Canmore. Lending Across Alberta & Western Canada.
While our home office sits in the Bow Valley, our lending footprint spans Alberta and Western Canada. We are active in primary metropolitan corridors and equally willing to underwrite strong real estate in smaller regional and recreation-driven towns.
Major Urban Markets
CalgaryEdmontonRed DeerLethbridgeGrande PrairieMedicine Hat
Straightforward Credit Decisions Without Bank Bureaucracy
01 / SPEED
Direct Access to Decision-Makers
With minimal layers between broker submission and credit sign-off, you work directly with the team underwriting your file.
02 / JUDGMENT
Common-Sense Underwriting
We evaluate borrower character, real property value, use of proceeds, and a clear exit strategy—not just rigid tick-box ratios.
03 / DISCIPLINE
Experienced Credit & Operations Team
We pair boutique responsiveness and local market insight with institutional-grade underwriting and dedicated loan administration.
Leadership
Meet Ben Davis
Managing Principal • Canmore, Alberta
Ben brings over 20 years of banking and commercial lending experience across the UK, US, and Canada—including the past decade in the Calgary commercial market and firsthand perspective as a former business owner.
For Brokers & Borrowers
Have a Commercial Deal to Discuss?
Send us a concise summary of the property, borrower background, use of funds, and exit strategy for fast, candid feedback.
For Eligible Investors
Real-Estate-Secured Lending Opportunities
Participate on a deal-by-deal basis in carefully underwritten private mortgages backed by tangible commercial and investment real estate.
About Bow Valley Capital
Local Alberta Insight. Institutional Discipline.
A relationship-driven private commercial lender headquartered in Canmore and serving major and secondary markets across Alberta & Western Canada.
Our Story
Why Bow Valley Capital Exists
Across Alberta and Western Canada, capable business owners and real estate sponsors regularly encounter financing bottlenecks when working with traditional institutions. Whether driven by tight closing timelines, transitional cash flow, or property types outside standard bank boxes, strong transactions often need a pragmatic private lending partner.
Bow Valley Capital was created to fill that gap. Operating out of Canmore, we focus primarily on major commercial corridors—Calgary, Edmonton, Red Deer, Lethbridge, and Grande Prairie—while remaining comfortable in smaller and recreation-oriented communities across Alberta and Western Canada when the asset and exit strategy make sense.
The Three Sisters peaks overlooking Canmore, inspiration for our emblem.Policeman’s Creek in the heart of Canmore, Alberta.
Our Origins & Approach
Bow Valley Capital was born out of a need identified by our founders when working in commercial finance: securing private debt for commercial transactions backed by commercial real estate was often challenging, as traditional Mortgage Investment Corporations focus primarily on residential mortgages.
Combining our leadership team’s deep commercial banking background, dedicated underwriting and operations staff, and firsthand entrepreneurial perspective gives brokers, borrowers, and investors the best of both worlds: disciplined credit structure paired with fast, common-sense decision-making.
Leadership & Office Staff
Our Team
Experienced commercial banking, underwriting, operations, and private real estate credit professionals.
Ben brings over two decades of banking and commercial finance experience across the UK, US, and Canadian markets, spanning asset-based lending, mortgage finance, and commercial banking—including the past decade serving businesses and real estate sponsors in the Calgary market.
Having formerly owned and operated two businesses in the UK, Ben understands firsthand the day-to-day operational pressures, timing realities, and risks business owners face when securing capital.
Ben relocated from the UK to Canmore in 2015 with his wife, Michelle, and their chocolate lab, Bryson. Deeply involved in the local business community, he is a Past President of the Bow Valley Chamber of Commerce and an avid skier and golfer.
Brian is an accomplished finance professional and serves as the firm’s Chief Compliance Officer and Chief Operating Officer, where he is responsible for overseeing day-to-day operations with a focus on governance and investor relations.
With over 15 years of experience in corporate finance, Brian has established himself as a trusted advisor to clients and demonstrated exceptional analytical skills and strategic thinking.
Neil Osborne serves as our Vice President of Operations, bringing a proven track record and over a decade of experience in the finance industry. A seasoned commercial banking professional, Neil’s background includes significant time with a large Canadian bank, where he gained extensive knowledge of the market and the mortgage lending sector.
Neil’s expertise is pivotal in streamlining operations, enhancing our service delivery, and driving growth, making him a valuable member of our leadership and operations team.
Caleb is a highly motivated finance professional with a strong entrepreneurial background. Graduating with a degree in finance from Trinity Western University, Caleb brings a wealth of experience to the table, including the successful launch of his own contracting company and consulting on operational efficiency and company/project valuation.
Caleb’s diligent work ethic and proactive approach make him a valuable asset to our team. In his role, he conducts thorough research and analysis of each proposed deal, consults closely with our credit review team, and works with our network of mortgage brokers and partners to ensure our deals fit within our risk tolerances.
Jesse is our Dealing Representative dedicated to helping investors build wealth through carefully selected private mortgage investment opportunities. He works closely with clients to understand their financial goals, providing transparent guidance and access to investment solutions designed to generate consistent, risk-adjusted returns.
Known for his relationship-first approach, Jesse believes that trust and communication are the foundation of successful investing. He takes the time to ensure clients understand each opportunity, empowering them to make informed investment decisions with confidence. Whether working with first-time investors or experienced individuals looking to diversify their portfolios, Jesse is passionate about delivering exceptional service and building long-term relationships based on integrity, professionalism, and results.
Broker Partners
Fast, Candid Answers Direct From the Decision-Maker.
We partner with commercial and residential mortgage brokers across Alberta & Western Canada to structure practical solutions when deals fall outside conventional bank parameters.
Lending Parameters
How We Evaluate Commercial & Real Estate Files
Every commercial transaction has its own nuances. Rather than enforcing rigid one-size-fits-all cutoffs, we weigh collateral quality alongside use of proceeds, sponsor strength, and exit clarity.
Security Position
1st & 2nd Mortgages
Registered first and second mortgage charges secured directly against marketable real property.
Typical Term
3 to 12 Months
Primarily short-term bridge and transitional facilities, with select longer-term holds considered on merit.
Leverage
Merit-Driven LTV
Structured pragmatically around asset type, location liquidity, and borrower equity rather than arbitrary caps.
Calgary, Edmonton, Red Deer, Lethbridge, and Grande Prairie, plus smaller, recreational, and select Western Canadian markets for the right deal.
Takeout
Defined Exit Strategy
Clear path to repayment via institutional refinance, asset sale, or verifiable liquidity event.
Deal Submissions
What to Include in Your Submission
Providing a complete, transparent snapshot upfront allows our underwriting team to review your transaction quickly and come back with structures that work:
1
Use of Funds & TimingClearly outline how loan proceeds will be deployed and why financing is required now.
2
Property Security & ValuationShare property details, photos, and an “as-is” appraisal or current market comparables.
3
Borrower & Operating ProfileInclude historical/projected cash flow for owner-operators, rent rolls for investment assets, or project track record for development files.
4
Personal GuarantorsProvide guarantor net worth statements and background demonstrating payment-servicing capacity.
5
Specific Exit StrategyDetail the planned exit—bank refinance, sale, or other takeout. If beyond 12 months, explain the timeline rationale.
Investor Partners
Select Individual Deals Backed by Real Estate.
We give eligible investors the freedom to choose specific private mortgage opportunities aligned with their return objectives and risk preferences.
Unlike blind-pool funds where investors have no say over individual loans, Bow Valley Capital presents each qualifying mortgage opportunity with a clear summary so you decide when and how much to allocate.
Deal-by-Deal Choice
Review property type, location, leverage, borrower profile, and offered yield before committing to any specific loan.
Tangible Security
Every investment is secured by a registered mortgage charge against real property in Alberta and Western Canada.
Full Transparency
Receive a concise investment summary outlining salient deal terms, risks, valuation, and exit strategy.
Direct Guidance
Speak directly with our Dealing Representative to walk through underwriting details. Allocations fill on a first-come, first-served basis.
How It Works
A Clear, Four-Step Participation Process
01
Introductory and Onboarding call
Connect with our team to discuss eligibility, target returns, preferred asset types, and liquidity horizon.
02
Deal Presentation
Receive comprehensive summaries as underwritten mortgage opportunities become available.
03
Your Allocation
Ask questions, evaluate the security independently, and choose whether to participate and at what amount.
04
Funding & Servicing
Upon closing, mortgages are professionally administered through term maturity and borrower repayment.
Mitigating Risk
Disciplined Due Diligence
Every private mortgage carries risk. Drawing on Five Peaks Capital’s established credit standards, we vet every file rigorously before presenting it to investors:
Independent valuation & local market comparables
Borrower track record, credit & financial review
Operating cash flow & rent-roll verification
Personal guarantor net worth & covenant assessment
Legal title review & realistic exit timing stress-test
Contact Bow Valley Capital
Let’s Talk About Your Deal or Investment Goals.
Based in Canmore and active across Alberta & Western Canada. Reach out to our office staff or connect directly with our team.
Complete the fields below to send a formatted inquiry directly to our office staff at bvc@bowvalleycapital.com.
Legal Notice
Website Disclaimer
The information provided on this website by Bow Valley Capital (“Bow Valley Capital”) is for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any security, mortgage participation, or investment product in any jurisdiction. Any lending or investment participation is conducted strictly in accordance with applicable provincial securities and mortgage brokerage legislation and is available only to qualified or eligible investors. Readers are encouraged to contact Bow Valley Capital directly for a private discussion regarding their financing or investment needs. Information on this website may be updated or changed without prior notice.
The content available through this website—including text, graphics, branding, and logos—is the property of Bow Valley Capital or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, republish, distribute, or circulate materials from this website without the express prior written consent of Bow Valley Capital. Nothing contained on this website should be construed as granting, by implication or otherwise, any license or right to use any trade name, trademark, or logo displayed herein without prior written permission.