About Us
Lend Link is a Loan Administrator Specializing in Small to Medium Sized Private Lenders. We Provide Full Front and Back Office Support, Portfolio Management Tools and Professional, Compliant Client Relations to Elevate and De-Risk Your Private Lending Business, while Freeing-Up Your Time to Focus on Revenue Generation
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Lend Link is advised by leading experts, including,
Mike Beg is Senior Vice President & Head, Real Estate Finance of BMO’s Real Estate Finance group. He brings over 30 years of banking, risk management and strategic investment leadership in BMO's Canadian and U.S. businesses. In addition to founding BMO’s industry leading and global award winning commercial construction and income property securitization programs, Mike is an advocate for housing policies that support sustainable supply and affordability of residential housing, and is a board member of Toronto’s BILD homebuilders association. Mike's long term and executive commitment to the real estate markets is a vital asset to Lend Link
Ben Ciallella, Financial Advisor, Consultant and real estate expert with over 30 years of experience in public and private debt portfolios; formerly Managing Director at National Bank of Canada responsible for and specializing in real estate markets among other sectors. Ben’s career-long commitment to real estate markets, both corporate and private makes him an vital partner to Lend Link
Joseph Giampetroni, Career USA Corporate and Investment Banker and long-time friend and advisor to Paul DeMelo. Joseph began his banking career in Toronto, Ontario as an expat banker for NBD Bank out of Detroit, MI. He currently leads the Midwest region of the US for Royal Bank of Canada’s subsidiary, City National Bank. Previously he held client-facing leadership roles for major US Consumer and Corporate banks including, Citizens Financial Group, US Bank, Wells Fargo and JP Morgan Chase. Joseph has more than 3 decades in corporate & investment banking with a number of leading global institutions and brings valuable client advocacy perspective to Lend Link on matters of vision, strategy and execution
Joseph Groia is a principal of Groia & Company a Toronto law firm and a member of the Ontario Bar since 1981. He was formerly Associate General Counsel of the Ontario Securities Commission, and subsequently Director of Enforcement at the OSC . Joe currently practices securities litigation, acting as counsel in a wide range of civil, quasi-criminal, criminal, and administrative cases. During his career as a securities litigator Joseph has acted as counsel in Canada’s most
important securities cases including: Asbestos, Bre-X Minerals, Canadian Tire, Cinar, Hollinger, Torstar/Southam, Philip Services, and YBM. Mr. Groia has been ranked as one of Canada’s 500 Leading Lawyers (Lexpert) since 2000 and is consistently rated as one of Canada’s top securities litigators by the same publication. Mr. Groia’s extensive regulatory and legal experience makes him an invaluable asset
on Lend Link's advisory boardVince Scarselli, Principal Officer and Director Lend Link, CEO and Principal Officer Meta Mortgage Group, and near 20 year financial services professional, including a 10 year career at Scotia Bank and National Bank of Canada. Vince’s demonstrated ability to navigate the mortgage borrower and lender landscape across Canada will add substantial bench strength to Lend Link
Paul DeMelo, Director Lend Link, CEO Home Ownership Solutions, CEO Custom Code Solutions and CEO Fourth Street Financial, is a 35 year Financial Services Executive including, CEO Bank One Canada, COO JPMorgan Canada, Head Corporate Banking National Bank Financial. Paul's career in Corporate and Private finance will be a driving force of our strategy
Our Mission
Vision:
To Be The Leading, Trusted
Private Loan Administrator in Canada
Mission:
Offer Professional and Trusted Loan Origination, End-to-End Loan Administration and Client Care Services to Small and Medium Sized Private Lenders
Lender Proposition
To Make You a Plug-and-Play Direct Private Lender
PROFESSIONALIZE YOUR PLATFORM
DE-RISK YOUR PORTFOLIO
MAXIMIZE YOUR PROFIT
MINIMIZE YOUR WORKLOAD
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If You Qualify, Have Capital and the Desire to Build a
Secured Lending Business, We Can Provide You the
Full Framework and Support to Create Your Own
Compliant Secured Private Lending Platform
Enhance Credibility, Efficiency and ProfitÂ
while Simplifying Your Life
Origination Engine (Under Development)
Broker-Link access to thousands of Brokers
Chatter-Loop access to automated tracking and follow-up
Related Brokerage with growing team
Referral Programs intra and extra-platform
All Encompassing Client Care
Efficient and Compliant Borrower On-Boarding
Automated PAD Interest Collection in Regulated Trust Account
NSF and Other Occurrence Management
Renewals, Payout and Discharge Management
Full Front and Back Office Services
Risk Management Tools (Under Development)
Be a Direct Private Lender
One-Touch Market Valuation Tools
Quick Appraisal Ordering
Collections Oversight
Reporting and Reconciliation
Compliant Portfolio Management
Regular Reporting
On-Line Dashboards
Regulated and Licensed Partner (FSRA Lic# 13433)
Asset and Portfolio Liquidity Enhanced by Our Structured Platform
Broker Proposition
Experience or New to private Markets, we look Forward to Working With You
If You are New to Private Markets, Let Us Welcome and Work with You
Always Own Your Borrower and Lender Relationships
Fast and Easy Access to Numerous Private Lenders
Under 30 Seconds Drag and Drop Applications (Under Development)
Free Access to PDF Shareable Application (Under Development)
No Co-Broker Fees or Usage Fees
Minimize Your Workload
One Stop Shop
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FAQs
What Administrative services do you provide?
We provide as much, or as little as you may need. We can provide a turn-key platform for experienced or new lenders, including front-office client relationship management to full back-office support. Whether you are new, experienced or even manage a current portfolio for yourself or for others, we have tools to professionalize your business, de-risk your activities, improve your deal flow, connect you to industry professionals and reduce your workload.
I have not lent money before, how can you help me?
We have a full turn-key, plug-and-play platform, from automated marketing, to interest collection, to NSF management, to portfolio management and reporting. We can also connect you with Industry experts like Brokerages and a legal support. We have experts on our platform that can mentor you and offer valuable advice. Talk to one of our experts to see if mortgage lending is right for you and if you meet the qualifications. If it is, then your opportunities are a phone call away.
What are your service fees?
Our fees vary depending on the service package you require, however, in most cases the borrower pays for the bulk of the administrative fees. In our experience our services will reduce your costs, improve your efficiencies, and may reduce your exposure to losses. Please contact us for our Fee Schedule.
Why can't I just collect monthly cheques directly from my borrowers?
In Ontario you must be a licensed and regulated mortgage administrator to receive payments from your borrowers. We provide you with PAD service, through our Trust Account for you so your activities are safe, compliant and efficient.
I only plan on investing a relatively small amount on mortgage lending, why would I need an administrator?
A licensed and regulated administrator ensures you are compliant in your activities and can provide you a turn-key solution allowing you to focus on risk and profit and not on the day to day administrative nuisance.
How can you help me increase my business?
Being associates with a licensed administrator improves your market credibility. Also, through our related parties you will have tools and access to thousands of agents to whom you can market, as well as unique tools to help you quickly assess risk and offer commitments, allowing you to focus on lending and leisure.
I am a broker/agent, what can you do for me?
Through our technology we offer under 30 seconds drag-and-drop applications. Your applications may be directed at one of the lenders on our platform, or viewed by many offering you a wide audience. If our lenders do not offer you a commitment, we will email you a free private-lender-friendly pdf application that you can use to approach other lenders. Lastly, we do this at no cost to you, as we do not share in your fees.
I am a lawyer that manages my clients' loans, why would I need an administrator?
Our platform allows you to expand your business and manage a larger number of clients. You will remain the primary contact for your clients and we will not disrupt your relationship. We will handle all the daily and mundane activities, allowing you to leverage your time for more profitable business. We will provide you with regular reporting that you can on-share with your clients.
What happens when my loans mature?
Private lenders usually hold their loans to maturity and often renew them. If you wish to renew your loans, we handle that process for you. if you wish to exit a loan, through our network of lenders and Brokers we can assist you. Loans that have been professionally administered and have full reconciliated records and history are often more liquid than otherwise.
Why should I choose Lend Link over other administrators?
Most licensed administrators administer only their own large loan portfolios. Lend Link is unique in that it offers its services to small lenders, even lenders with only one loan. We are also unique in that we have mastered old school feet-on-the-ground front and back office support and client relationship management and we have married that with state of the art, industry leading technology to help you run your Direct Private Lending business efficiently and cost effectively.
Why Direct Private Lending vs. Investing in a MIC (Mortgage Investment Corporation)?
As a Direct Private Lender you are retaining all of the loan interest and fees for your own account and thereby your returns are significantly higher. Furthermore, unlike your investment in a MIC, you may have additional liquidity as you can sell your investment in part or in whole, whereas you may have to have a 12 month or more commitment to a MIC. Also, as a Private Lender you will have a direct say in the assets you invest in, and you will have a direct registered charge on that asset, improving your security position and liquidity.
What assurances do I have on Returns?
There are no assurances on returns. Like any other investment, Mortgages or Private Loans are risk based assets and as such there is always the possibility of variability of returns or loss. Any mortgage Administrator who tells you otherwise is not only wrong, but they are breaking the law. However, with the proper advice and support, you can mitigate risk.
How Can Lend Link Help Me Manage Risk
Unlike any Administrator we know, we employ a Common Account Manager model whereby you and your borrower share the same account manager. The account manager will maintain regular contact with your borrower and communicate to you their assessment of ongoing developments with your borrower.
~Contact Us~
We Want to
Hear From You
Unit 61, 2049 Pine Street, Burlington Ontario, L7R 1E9
Office: (226) 782 - LINK (5465)
Cell: (647) 628-6414
FSRA LIC# 13433
