Private capital · Based in Toronto · Ontario focus
Personal loans, business loans, and real-estate-secured financing — funded by principal capital, reviewed by the principal. Highcrest considers the full range of private credit we can lawfully underwrite.
Not a mortgage brokerage. Highcrest is not FSRA/MBLAA licensed as a brokerage. Personal and business loans are available now. Mortgages and other real-estate-secured financing are considered as a prospective lender through a licensed mortgage brokerage. For discussion purposes only · Not an offer to sell securities.
Lending criteria
Highcrest considers every type of private loan we can lawfully underwrite: personal, business, and real-estate-secured. Ontario mortgages are submitted through a licensed mortgage brokerage. Highcrest is the prospective lender — not the brokerage.
Simple volume product — relationship-based personal lending tailored to circumstances, not a consumer rate-shop.
Working capital and growth financing for established businesses — cash flow, character, and exit.
Highcrest Private Capital may consider business financing secured by commercial, residential or other real property. Highcrest acts as a prospective lender and is not a mortgage brokerage. Every Ontario mortgage transaction is submitted, arranged and processed through a duly licensed mortgage brokerage or another entity exempt from the applicable licensing requirement. The responsible brokerage and its licensing information will be identified before the formal mortgage application proceeds. All financing is subject to underwriting, property valuation, legal review and final approval.
We do not publish rate tables, guarantee approval, or claim licences we do not hold. Indicative outlines, when provided separately, are not commitments to lend.
Process
Send a short outline — amount, purpose, borrower type (personal or business), and timeline.
ID / KYC, financials, bank statements, and business docs as applicable. Credit consent when we proceed.
Principal underwriting on substance — capacity, character, and exit. Counsel scrub on rates and fees before any commitment.
Written terms only after approval. Funding through company channels. No soft commits by email.
FAQ
Not as a mortgage brokerage. Highcrest Private Capital is founder-funded and is not presently licensed under Ontario’s MBLAA or by FSRA as a brokerage. Personal and business loans do not require that licence. Mortgages proceed through a licensed brokerage while Highcrest acts as lender.
Yes — as lender, through a licensed brokerage. Highcrest considers mortgages and other real-estate-secured financing. Every Ontario mortgage transaction is submitted, arranged and processed through a licensed mortgage brokerage. The responsible brokerage will be identified before the formal mortgage application proceeds.
Yes. Personal loans, business loans, and real-estate-secured financing are all part of the book. Structure depends on the file and on what the law permits.
No. We do not publish rate tables or promise approval. Terms depend on the opportunity, risk, and documentation.
Based in Toronto · Ontario focus · Canada where permitted for unsecured credit. This is not a claim of national mortgage licensing.
About
A founder-funded private credit company. We evaluate opportunities on substance — cash flow, character, and exit — and structure facilities accordingly.
Daniel Dean, Founder / Director
Christian Porcaro, Chief Operating Officer
Incorporated 2026. Registered in Ontario. A professional Ontario private lender. Personal loans, business loans, and real-estate-secured financing are all considered. Ontario mortgages proceed through a licensed brokerage.
Contact
Company channels only. Tell us the facility you need — personal, business, mortgage, or another private-credit structure.
Business line · Ontario
Mortgage files must proceed through a licensed mortgage brokerage. Brokers may inquire about unsecured business opportunities and about introducing a file through a licensed brokerage.
