RFA Alternative is redefining accessibility in the alternative lending space with a Business-for-Self (BFS) program built for modern entrepreneurs and self-employed individuals, offering flexible stated income solutions that require only six months of bank statements—half the standard of most competitors.
Designed for agility, the program accommodates a wide range of borrowers, including those with newer businesses or lower credit scores, providing options like contributory income (up to $14,400 from household members) and flexible treatment of variable expenses.
With stated income minimum credit starting at 600—and fully verifiable income options available for clients with scores as low as 470—RFA stands out for its credit and income flexibility, even considering clients with arrears or past bankruptcies on a case-by-case basis.
Their low-penalty structure (just 1% after one year) and graduation path to A-side mortgages enhance borrower mobility and affordability. Starting at a competitive 5.24% for 3-year terms, RFA consistently undercuts other B lenders by 5–10 basis points while offering up to 35-year amortizations and mortgages as large as $4 million. Ideal for fast-moving entrepreneurs, gig workers, and small business owners, RFA Alt provides a responsive, supportive path to homeownership with multiple exit strategies and minimal friction.

From working with AVEO, Level Up Mortgages was able to access alternative lending products, such as those under CMLS’s Avail and Alternative Solutions lines, that offer flexible income verification, higher debt servicing ratios, and extended amortization options.
By staying up to date on evolving lender programs and platforms like Nesto, Level Up Mortgages ensures we can match clients with innovative and accessible mortgage products that suit their unique financial profiles.

Level Up Mortgages is a forward-thinking mortgage and private lending company that serves modern entrepreneurs, self-employed individuals, and non-traditional borrowers by offering flexible financial solutions like renovation and deposit loans through partners such as Tembo Financial, known for their fast 48-hour turnaround times.
More than just a mortgage service, Level Up is deeply committed to holistic community building—led by founder Paul—who is developing cohort-based programs that blend business growth with personal well-being, featuring co-working spaces, accountability structures, expert mentorship, and wellness-focused events.
Their mission is to remove friction for entrepreneurs and homeowners by providing not only fast, tailored funding options but also the support systems and environments—both online and in person—that empower clients to grow, connect, and thrive.

After working with Canadian Western Bank, Level Up Mortgages was able to pair clients with B-side lending solutions to secure flexible mortgage products.
Our clients often benefit from custom underwriting, higher debt servicing ratios, and innovative features such as holdco mortgages and rental property enhancements.
At Level Up Mortgages, we serve borrowers who value tailored, strategic financing, especially those who may face challenges with A-lenders, and offer expert guidance in navigating alternative lending solutions that still maintain competitive rates and full-featured products like portability and renewals.

First National stands out in the alternative lending space by offering a blend of speed, transparency, and borrower-friendly flexibility, making it an ideal choice for brokers handling B+ and select B deals.
With a 4-hour underwriting response time and 24–48 hour document review, First National delivers industry-leading efficiency, eliminating secondary condition reviews and allowing for immediate deal instruction upon client commitment. Their pricing model is refreshingly straightforward—no hidden premiums, with competitive top-tier rates and additional discounts for lower loan-to-value (LTV) scenarios.
The lender is particularly strong in serving business-for-self (BFS) clients through flexible income verification methods such as 12-month bank statement cash flow analysis and generous add-backs like dividends, draws, and rental income (95% for both subject and non-subject properties).
Credit requirements are realistic—starting at 560 for owner-occupied homes—and leniency is offered for bruised credit when supported by context. Whether it’s accepting 100% gifted funds, confirming down payments within 30 days, or offering extended 55-55 debt service ratios, First National is engineered for brokers seeking fast, dependable funding solutions for clients with complex needs.

At Level Up Mortgages, we are a forward-thinking brokerage that specializes in helping non-traditional borrowers—such as non-residents, new immigrants, and self-employed individuals—secure flexible and competitive mortgage solutions.
After partnering with lenders like Shinhan Bank, we were able to provide access to both B and A- lending products tailored to clients who may not meet standard qualification criteria. We emphasize personalized service, quick turnaround times, and innovative tools like AI and targeted sales training to streamline processes and expand broker outreach.
We strive to connect underserved borrowers with lending options that recognize real-world financial situations and offer case-by-case flexibility.

Level Up Mortgages works closely with alternative lenders to structure creative financing solutions, including deposit loans, CRA debt payoffs, and short-term private mortgages.
We emphasize speed, efficiency, and deep expertise in non-traditional lending, making us a go-to partner for entrepreneurs, commissioned salespeople, as well as others who require flexible, personalized mortgage strategies.

B-Lending