and up to 30 years on new construction
Social Purpose Real Estate Financing
Building affordable and sustainable communities
Purpose-driven real estate is a powerful tool for positive change.
VCIB provides construction, term, and acquisition financing for commercial real estate developers that are committed to building affordable and sustainable communities across Canada. We call it social purpose real estate.
Loan Features

Typical
loan size:
loan size:
$2M - $45M+

Loan to value:
Up to 75%

Term:
1 to 5 years

Amortization:
Up to 25 years,

Interest rate:
Fixed and
variable
variable
What
we finance

Affordable
housing

Green
buildings

Arts, culture &
community spaces

Non-profit
properties

Cooperative
housing

Heritage
buildings

Investor Owned Real Estate

Owner Occupied Real Estate
What
we offer

Construction
Financing

Term
financing

Bridge
financing

CMHC Insured
financing

Acquisition
Financing
To learn more about our rate structures and financing options, . Or tell us about your project and get started today.
Social Purpose Real Estate Info Package
To download the Social Purpose Real Estate Package, please fill out the following form.
Affordable Housing HISA
Get a prime-linked rate and access your funds whenever you need them–without penalty. Plus, your deposits help finance mission-driven projects in your community.

To date, we have financed:

60
+
social purpose real estate projects

2300
+
units of new or preserved affordable housing

733525
sq.ft.
of non-profit, co-working, cultural and community spaces
Environmentally conscious real estate
To complement our social purpose real estate financing, our team of experts offer specialized lending for multiple energy efficiency retrofit projects and renewable energy solutions.
Meet our real estate financing team
Our real estate experts provide reliable and flexible financing to meet the specific needs of your project. We approach project-specific complexities with creativity, positivity, and a spirit of partnership.
Let’s talk
Our team of experts covers a wide range of real estate projects. Download our
to learn more, or tell us about your project’s needs and get started today.Social Purpose Real Estate Info Package
To download the Social Purpose Real Estate Package, please fill out the following form.
Ready to get financing for your project?