Renfi Capital Inc Mortgage Lender Profile
Generally for Ontario homeowners who want to borrow against their home online for renovations or to consolidate debt.
Who they are
Renfi Capital Inc. Describes itself as a private lender based in Ontario. It runs a digital, fintech-style consumer lending platform rather than a mortgage investment corporation or a fund. Its website states that all loans are made and funded by Renfi Capital Inc. And processed through Verico C.O.D Financial Services Inc. Under FSCO licence #10311, which is a third-party brokerage licence rather than Renfi's own. The company says it was founded by a team with consumer finance backgrounds. It publishes nothing about outside investor capital, share classes or an offering memorandum, so how its lending is funded is not disclosed.
What they lend on, and who for
The products Renfi publishes are home renovation financing and debt consolidation loans secured against residential property, marketed directly to Ontario homeowners, with an emphasis on rapid online approval and funding. It also runs a contractor directory called Renfi-List. Its site does not describe a broker submission channel, and says nothing about commercial, construction or land lending, or about the mortgage positions and terms it uses. It is better understood as a consumer-direct home-equity lender than as a conventional private mortgage lender, and it is worth confirming that the platform is still actively funding before relying on it.
How to approach Renfi Capital Inc
You can contact Renfi Capital Inc 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 · Consumer direct |
| Registered as | Renfi Capital Inc. |
| Head office | UNVERIFIED - site shows a template placeholder address |
| Website | renfi.ca |
| Phone | 416-623-7530 |
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 Renfi Capital Inc
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 Renfi Capital Inc?
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 Renfi Capital Inc
Is Renfi Capital Inc a real mortgage lender?
Yes. Renfi Capital Inc is a private (consumer direct). Its own site is renfi.ca.
What kind of lender is Renfi Capital Inc?
Private — categorised in our directory as Private Lender (consumer-direct). 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 Renfi Capital Inc 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 Renfi Capital Inc 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 Renfi Capital Inc 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 Renfi Capital Inc lend?
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 Renfi Capital Inc 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