Social Purpose Real Estate Financing

Building affordable and sustainable communities

We believe purpose-built real estate can be a powerful tool for change.

VCIB provides construction, term, and acquisition financing for commercial real estate that drives social, economic, and environmental benefits in communities across Canada. We call it social purpose real estate.

As Canada’s only values-driven bank, we are more than a lender. We’re a long-term partner that approaches each unique opportunity with creativity and a commitment to invest in what’s right for our communities.

we finance



Arts, culture &
community spaces




Investor Owned Real Estate

Investor Owned Real Estate

Owner Occupied Real Estate

Owner Occupied Real Estate

we offer

Construction Financing


Long-Term Financing or Refinancing


Short-Term & Bridge Financing


On-bill financing or PACE structures

CMHC Insured

Acquisition Financing


Our team is committed to finding the right solution to set your real estate acquisition, investment, or project up for long-term sustainable success. Contact us to learn more about our rate structures and financing options.

Contact Us

A 20-year track record

In 2017, VCIB (formerly Citizens Bank of Canada), took on a new name and a new mandate as Canada’s first values-driven bank. Building on 20-years of experience in commercial real estate lending, we now focus exclusively on projects that drive positive change. Here are some of our recent announcements and financings:

"We've had to do some creative work to make these projects happen. Where other mortgage lenders weren't prepared to look beyond their standard formulas, VCIB was willing to spend time to understand our model and work through challenges."

Tim Cook

CEO Artscape

Tim Cook

Finance building
upgrades with a VCIB
green mortgage

With a VCIB green commercial mortgage, you can unlock new financing for all those smart, cost-saving building upgrades you’ve been thinking about. For building owners, we offer increases to commercial mortgages to finance efficiency retrofits and renewable energy solutions—from EV charging stations to HVAC upgrades. Save on operating costs, increase the value of your building, attract tenants, and cut your carbon emissions.

Our real estate and clean energy teams will make it easy for you each step of the way. Download the VCIB Green Mortgage package, or tell us about your project and Get Started today.

Let’s Talk

Interested in our values driven approach?
We want to hear from you.

For any social purpose real estate project large or small, our team is ready to work with you.

Vancity Community Investment Bank is a member of CDIC and is a Certified B-CorpTM