Gentai Capital Mortgage Lender Profile
Generally for Owners, developers or investors in BC, Alberta or Ontario with real estate equity who need short-term financing outside bank guidelines.
Who they are
Gentai Capital Corporation is an alternative mortgage lender based in Richmond, British Columbia, and has been operating for more than a decade. It is registered as a mortgage broker with the BC Financial Services Authority. Rather than taking deposits, it raises the money it lends from investors through three vehicles: Genesis Mortgage Investment Corporation, the Gentai Residential Mortgage Fund and the Gentai Commercial Mortgage Fund. It lends in British Columbia, Alberta and Ontario, and mortgage brokers are its main source of business. Its work is confined to lending secured by real estate rather than broader finance activity.
What they lend on, and who for
Gentai funds first and second conventional mortgages, along with bridge and mezzanine financing, supporting purchase, refinance, construction, renovation and repositioning. On the residential side it lends on single-family homes, duplexes, fourplexes, townhouses and rental apartment buildings. On the commercial side it considers apartment and condominium projects, office, retail, industrial, hotel and land. Its borrowers range from owners with plenty of equity who fall outside bank guidelines through to developers and investors who need short-term capital. Residential and commercial applications are handled by separate underwriting teams within the company.
How to approach Gentai Capital
You can contact Gentai Capital yourself; nothing stops you. What you cannot easily find out is what they will actually accept. What loan-to-value they will genuinely go to on your property, what exit they want to see, what the lender fee comes to, and how fast they can fund — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Private · MIC |
| Registered as | Gentai Capital Corporation |
| Head office | 200 - 3600 No. 3 Road, Richmond, BC V6X 2C1 |
| Website | gentaicapital.com |
| Phone | 604-279-0360 |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for Gentai Capital
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with Gentai Capital?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about Gentai Capital
Is Gentai Capital a real mortgage lender?
Yes. Gentai Capital is a private (mic) based in British Columbia. Its own site is gentaicapital.com.
What kind of lender is Gentai Capital?
Private — categorised in our directory as MIC/Private. Equity lenders — the property matters more than the borrower. Short terms, higher rates, lender fees, and speed. Right for a genuinely temporary problem, wrong as a destination.
Should I go to Gentai Capital directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with Gentai Capital regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would Gentai Capital approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does Gentai Capital lend?
Its head office is in British Columbia. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would Gentai Capital take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file