Financial Services Built
for Condo Corporations.
Every product we offer was designed around how condos actually work — not adapted from a generic banking template.
Day-to-Day Banking
Done Right.
Your operating fund handles the everyday expenses of running a condo corporation — maintenance, utilities, management fees, and more. We built an account that works the way you do.
Unlike generic business accounts, our operating fund accounts are structured around the Ontario Condominium Act's requirements for fund separation, reporting, and audit readiness. Every transaction is traceable, every statement is board-ready.
- Dedicated operating fund accounts — fully separated from reserve funds
- Audit-ready monthly statements formatted for condo boards
- Multi-signatory controls for board authorization requirements
- Integration with leading property management software
- Online banking with role-based access for managers and directors
- No minimum balance requirements for registered condo corporations
Reserve Funds That
Meet the Standard.
Ontario's Condominium Act has strict requirements for how reserve funds must be held, invested, and reported. We built our reserve fund accounts to meet every one of them.
From the moment your corporation opens a reserve fund account with us, you're compliant. No workarounds, no grey areas — just a purpose-built account that satisfies the Act and gives your board confidence at every AGM.
- Fully separated from operating funds — no co-mingling risk
- Eligible for GIC and investment products under the Act
- Automatic compliance reporting for AGM and audit packages
- Board-controlled access with full authorization controls
- Supports multiple reserve fund accounts for complex corporations
Borrowing Isn't a Last Resort.
It's a Strategy.
The most financially disciplined condo corporations don't wait until the reserve fund is depleted before acting. They borrow strategically — preserving their investment portfolio, stabilizing condo fees, and completing capital projects at exactly the right time.
A roof replaced on schedule costs a fraction of what it costs after failure. An elevator modernized proactively avoids emergency shutdowns, liability exposure, and the kind of deferred maintenance that erodes property values and community confidence. Borrowing against your corporation's assets — or its common elements — lets you act at the optimal moment, not the desperate one.
When structured correctly, lending integrates with your 30-year reserve fund plan. Your investments stay intact and compounding. Your condo fees stay predictable. Your infrastructure gets replaced when it should be — extending asset lifespan, maintaining curb appeal, and protecting the long-term value of every unit in the building.
And when you genuinely need the money — when a capital project can't wait and the reserve fund falls short — we're structured to move fast, with approvals in days and terms built around how condo corporations actually operate.
- Borrow against corporation assets to preserve your investment strategy
- Complete capital projects on schedule — before failure, not after
- Keep condo fees stable while funding major infrastructure repairs
- Extend asset lifespan and protect long-term property values
- Special assessment financing — spread the cost across unit owners over time
- Competitive fixed rates structured for condo corporation risk profiles
- Repayment terms aligned to your 30-year reserve fund study
- Fast approvals — decisions in days, not weeks
- No personal guarantees required from board members
Make Your Reserve Fund
Work Harder.
Reserve funds sitting in a low-interest account are leaving money on the table. Our GIC and investment products are designed to maximize returns while staying fully compliant with the Act.
We match your reserve fund study's cash flow projections to a laddered GIC strategy — so your money earns competitive interest without ever being locked up when you need it for a capital project.
- GIC laddering strategies aligned to your reserve fund study
- Eligible investments under Ontario Condominium Act Section 115
- CDIC deposit protection on eligible deposits
- No investment minimums for registered condo corporations
- Automatic reinvestment options to keep funds working
Ready to get started?
Talk to a condo finance specialist. We'll walk you through the right products for your corporation's needs.