Make loan rules and fees clear. Study which sound building plans fail to get loans, and why.
A loan should turn on the strength of a plan and its risks. Builders of homes and work spaces need clear terms. We want lenders to show each fee, cash hurdle and payment date, and explain a refusal.
Make loan rules and fees clear. Study which sound building plans fail to get loans, and why.
Sound projects can find a loan on clear terms. Public help, if used, has a stated cost and loss limit.
We have not yet priced this ask for the public purse. Any public aid must be priced before we seek funds for it.
In a federal survey, 97% of small firms that sought debt funding in 2025 were approved.
Limits: The share asked to back loans with assets was 75% in 2025 and 66% in 2024. The survey does not cover building loans alone. It leaves out firms that gave up before applying. It does not prove that each refusal was unfair.
Canada’s Competition Bureau began a study of small-business loans on 12 January 2026.
Limits: The study looks in part at term loans. These are loans paid back over a set time. Starting a study is not proof of wrongdoing. This record states when the study began. It does not say what stage it is at now.
Research note
A home loan needs to fit the way a home is built. Factory payments are a useful first test.
Read the note ↗Compare real loan terms for homes, shops and mixed-use buildings. Include plans that never reached a full loan request.
— Case opened with our argument, our ask and the facts still to check.
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