The masterclass for investors, entrepreneurs, brokers and professionals who want to build a profitable and legal private lending business in Canada
About Your Instructor
Alexis Shahriar Assadi is the founder of Assadi Private Capital, Inc. and has been a direct private lender since 2013. With extensive hands-on experience in the Canadian private lending space, he has managed every stage of the lending process, from due diligence to deal execution. Alexis built his firm from the ground up, without investors, giving him a unique real-world perspective on risk and capital protection. He brings this practical, on-the-ground knowledge to every module of this course to ensure you learn proven strategies and not just theory.
Discover How to Become a Private Lender in Canada
Private mortgage lending fills a vital gap in Canada’s financial system, providing capital where traditional banks cannot. For investors, brokers and advisors this space offers strong returns and portfolio diversification, but it also carries unique risks.
Success in private lending requires more than finding deals. It demands a professional framework: disciplined due diligence, compliant loan structuring and a clear understanding of your legal rights as a lender.
This masterclass is designed for investors and licensed professionals who want to build a lending practice that is profitable, sustainable and compliant.
Why This Course Matters
Unlike federally regulated banks, private lenders have the autonomy to structure deals based on their own criteria. This flexibility is an advantage, but it also means the responsibility for managing legal, financial and reputational risks rests entirely on you.
Without a proven process, mistakes can be costly. This program gives you the knowledge, tools and step-by-step framework to protect your capital and operate with confidence.
What You Will Learn
Our curriculum covers the full private lending lifecycle, from due diligence to loan enforcement.
- Due Diligence and Risk Mitigation: Learn to assess deals through an asset-based underwriting lens, focusing on the real estate’s value and marketability. Among other tactics, you will master the calculation of the “all-in” Loan-to-Value (LTV) ratio, accounting for all prior-ranking debts and liens that could affect your security.
- Where Clients Are Found: Understand who Canadian private lending customers are, what scenarios private capital is useful for and where customers can be found.
- How “Small” Private Lenders Issue Loans: Retail and “mom-and-pop” investors have ample private lending opportunities in Canada. Discover why and where they exist.
- Private Lending Market Opportunities: Banks and credit unions decline lending opportunities even when there is sufficient equity and the borrower is credit-worthy. Explore what categories of deals institutional lenders often reject and how you can enter those markets.
- Lender Documents and Insurance Strategies: Gain a sophisticated grasp of how various legal documents and insurance products can protect a private lender’s position.
- Legal and Regulatory Compliance: Understand the Canadian legal framework that governs private lending, including “cost of borrowing” disclosures, provincial licensing (where applicable), FINTRAC’s anti–money laundering requirements and the maximum rate of interest.
- Loan Structuring: Discover how to structure loans using interest and lender fees to achieve your target yield. Learn the proper use of Commitment Letters and non-refundable deposits to protect your time and capital.
- Loan Servicing and Post-Funding Management: Explore how professional private lenders manage their books of business after funding a loan. Learn how to accept interest payments, manage late payments and avoid escalating to foreclosure.
- Enforcement and Security: Be prepared for borrower default with a working knowledge of Power of Sale (Ontario and other non-judicial provinces) and Judicial Foreclosure (British Columbia, Alberta, and other judicial provinces). Strengthen your position with tools such as personal guarantees, General Security Agreements (GSAs) and cross-collateralization.
- Professional Oversight: Learn how to work effectively with essential professionals, including lawyers, licensed mortgage brokers and independent appraisers, to mitigate risk and ensure legal enforceability.
The Expertise Behind the Course
Alexis Shahriar Assadi is the founder and Director of Assadi Private Capital, Inc., where he has been a direct private lender since 2013. Over more than a decade, he has funded mortgages, unsecured personal loans and business loans across Canada, giving him first-hand experience with every stage of the private lending lifecycle, from due diligence and loan structuring to compliance and enforcement.
In 2017, Alexis launched Assadi Private Capital to meet the growing demand for flexible, asset-based credit solutions for borrowers unable to access bank financing. Unlike institutional lenders, Alexis built his firm independently, taking direct responsibility for risk assessment, compliance, capital allocation and deal execution. This perspective, grounded in real-world lending rather than theory, shapes his approach to teaching. Alexis is a former member of the Canadian Lenders Association, which represented banks, funds, “B” lenders and industry professionals, where he served on the Mortgage Roundtable. He has funded projects in Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, Nova Scotia and Newfoundland.
Having witnessed significant shifts in Canada’s credit landscape, from anti–money laundering reforms to evolving mortgage brokering standards and dramatic interest rate swings, Alexis brings regulatory awareness and practical insight to every module of this course. His work with brokers, lawyers and regulators ensures that the curriculum reflects both the legal framework and the realities of deal-making in Canada.
Through this masterclass, Alexis shares the systems, strategies and lessons he has refined over years of lending so that aspiring and active private lenders can operate with professionalism, protect their capital and succeed in one of Canada’s most dynamic investment spaces.
Case Study: Sarah’s First Private Mortgage in Ontario
Background
Sarah is a 42-year-old accountant in Toronto. She has accumulated savings through her RRSP and a HELOC on her home. With interest rates rising and stock market volatility affecting her portfolio, Sarah began looking for alternative investments that could generate steady income.
At a networking event, she met a mortgage broker who mentioned that some of his clients need short-term financing when banks say no. Sarah was intrigued. She had the capital, but she had no experience in lending privately.
The Opportunity
The broker presented Sarah with a deal:
- Borrower needed a second mortgage of $100,000 on a detached home in Mississauga.
- Property valued at $800,000.
- First mortgage: $500,000.
- Loan request: 12 months at 12% interest, plus a 2% lender fee.
On the surface, this looked like an excellent opportunity: a borrower with real equity and an attractive yield for Sarah.
The Challenges
Without training, Sarah struggled to assess the risks:
- Loan-to-Value (LTV): She didn’t know how to calculate the all-in LTV, including the first mortgage and potential tax liens.
- Appraisal: She didn’t know what to request in an appraisal or how to evaluate if the $800,000 valuation was reliable.
- Legal Protections: She was unaware of the importance of a proper Commitment Letter, non-refundable deposit, and independent legal advice.
- Enforcement: She had no understanding of Ontario’s Power of Sale process if the borrower defaulted.
Sarah felt stuck. She wanted to invest, but she realized that guessing her way through could cost her $100,000.
How the Course Would Help
If Sarah had access to the Private Lending Course (Canada), she would:
- Module 2: Learn to calculate the all-in LTV and determine that this deal was at 75% total LTV, acceptable to some lenders, but tight for a second mortgage.
- Module 3: Know how to order a proper appraisal, ensuring the property value was backed by comparable sales, not just assumptions.
- Module 4: Understand how to structure the loan with clear repayment terms, a lender fee and protections written into a legal Commitment Letter.
- Module 5: See why involving a real estate lawyer and licensed mortgage broker is essential, not optional.
- Module 10: Have a working knowledge of Ontario’s Power of Sale remedy and know exactly what steps she could take if repayment issues arose.
Outcome
Instead of diving in unprepared, Sarah decided to hold off until she could educate herself. By enrolling in the Private Lending Course, she positioned herself to:
- Protect her capital through disciplined due diligence.
- Gain confidence in structuring future deals.
- Build long-term, professional relationships with brokers and lawyers.
Today, Sarah is preparing for her first private mortgage investment, not as a hesitant amateur, but as an informed, professional lender.
Begin Your Professional Education
We’re confident in the value of this program. To demonstrate the depth and clarity of our approach, we offer Module 1: The Foundations of Private Lending at no cost.
This free module explains:
- What private lending is, and how it differs from bank financing
- The difference between a loan and a mortgage
- Why real estate is considered strong collateral
- The basic regulatory framework that governs private lending in Canada
By the end of Module 1, you will understand the essentials of private lending and be ready to continue with the full masterclass.
Start Now for Free
(no email signup required)
Gain immediate access to your free first module and take the first step toward becoming a professional, ethical and successful private lender.
Module 1 is free. Additional modules are available for purchase once you are ready to continue.
Self-Study vs. The Canadian Private Lending Course
| Topic | Self-Study / Online Articles | This Masterclass |
| Canadian Legal Framework | Hard to piece together; often outdated or US-based | Clear, Canadian-specific, professionally vetted |
| Loan Structuring | Conflicting advice online | Step-by-step guidance with templates |
| Risk Management | Rarely covered in depth | Comprehensive strategies across lifecycle |
| Enforcement Knowledge | Case law is hard to access | Plain-language overview of Power of Sale & Foreclosure |
| Professional Oversight | Usually ignored | Integration of lawyers, brokers, and appraisers |
| Learning Path | Disorganized | 10-module structured curriculum with progression |
This Course Offers What Artificial Intelligence Can’t
Artificial intelligence (A.I.) can generate definitions, summarize regulations and draft examples, but it cannot replace lived experience in Canada’s private lending market. There is vast online content about American private lending, a massive industry with varying rules and strategies across 50 states. But information relevant to the Canadian context is limited. As such, A.I. often incorrectly applies American concepts to the Canadian private lending landscape. For example:
- Business Practices: Canadian private lenders are expected to abide by standards that do not apply in many US states.
- Legal Processes: A.I. often blends U.S. foreclosure processes with Canadian procedures, missing key provincial distinctions.
- Practical Strategies and Documents: A.I. is unaware of numerous strategies and documents deployed by Canadian private lenders to manage risk and increase returns.
Private mortgage lending is not just about formulas or legal terms. It involves judgment calls, local market insights and navigating nuanced situations with borrowers, brokers and lawyers. These skills come only from years of real transactions, negotiations and problem-solving.
This course bridges those gaps with real, Canadian-specific knowledge, including:
- Case studies based on actual Canadian lending scenarios
- Walkthroughs of provincial foreclosure and power of sale processes
- Practical insights into structuring deals, managing risks and working with professionals
- Lessons learned from years of hands-on experience in the industry
Simply put: A.I. can give you general knowledge, but this course equips you with the applied expertise and Canadian-specific context you need to lend confidently and profitably.
Course Pricing
We designed this program to deliver exceptional value to professionals who want to enter the private lending space with confidence. Even a single poorly structured deal can cost a lender tens of thousands of dollars. This course gives you the knowledge and framework to avoid costly mistakes and build a profitable compliant lending practice.
Price: $1,495
Module 1 is free. You can begin right now at no cost. Continue with the full program only if you see the value.
Why This Course Pays for Itself
- A single deal done right can cover the cost of the entire program.
- Learn to avoid compliance errors, penalties, and unenforceable mortgages.
- Gain a step-by-step process for structuring loans, mitigating risk and protecting your capital.
- Position yourself as a professional private lender in a growing Canadian market.
Frequently Asked Questions
Who is this course designed for?
Aspiring investors, mortgage brokers, lawyers, accountants and professionals interested in private lending in Canada.
Do I need to be a licensed mortgage broker to take this course?
No. While brokers benefit greatly, the course is designed for anyone seeking to understand and practice private mortgage lending in a professional and compliant manner.
What if I have no experience in lending or real estate?
That’s okay. Module 1 begins with the foundations, so even beginners can build confidence step by step.
How long will I have access to the course?
Lifetime access, including future updates.
How long is the Canadian Private Lending Course?
The course is detailed and contains nearly 25,000 words. The 10 modules can be completed at your own pace. Most learners take 4–6 weeks if studying part-time.
Does this course qualify me for a licence?
No. It is an educational program, not a licensing course. It complements, but does not replace, provincial licensing requirements for mortgage brokers.