Case studies & funded transactions

The Work Speaks. Client Identities Stay Private.

Effective financing work requires discretion. These anonymized case studies share enough detail to demonstrate how Monty Capital assesses, structures and executes complex mandates without naming the companies, owners or executives involved.

Privacy is part of the process—not an afterthought.
Selected references may be arranged privately for qualified prospective clients or professional referral partners, where appropriate and only with the client’s consent.
Funded
Approximately $1.8M total capital package

Business Acquisition, Liquidity & Legacy-Debt Coordination

The situationAn established Canadian manufacturer was completing a majority ownership acquisition while protecting the working capital needed to operate and grow.
The financing challengeThe transaction required term debt and revolving liquidity while retaining development-bank debt and a vendor note. Security priorities and the wider capital stack had to be coordinated.
The structure developedA $700,000 acquisition term facility, $700,000 operating line and $50,000 card facility, alongside approximately $180,000 of retained development-bank debt and a remaining vendor note of approximately $200,000.
Monty Capital’s roleReviewed the financial position and working-capital requirements, prepared responses for credit, negotiated facility terms and fees, and coordinated lender, legal and intercreditor requirements through closing.
Documented result: $1.45M in new bank facilities funded, with the complete capital package coordinated at approximately $1.8M.
Funded
$5.525M commercial acquisition facility

Owner-Occupied Commercial Property Acquisition

The situationAn established operating business required substantial institutional financing to acquire the commercial property supporting its operations.
The financing challengeThe lender required a credible repayment case, cash collateral, additional real-estate support and guarantees, all coordinated within the purchase timeline.
The structure developedA $5.525M acquisition facility with a 25-year amortization and fixed initial term, supported by more than $400,000 in cash collateral, additional property security and corporate and personal guarantees.
Monty Capital’s roleBuilt the lender presentation, addressed credit and collateral requirements, coordinated outstanding conditions, and worked with the bank, client and legal team through execution of the closing package.
Documented result: The $5.525M facility was funded after authorization and completion of the legal closing requirements.
Funded
Approximately $3.2M gross financing

11-Unit Multifamily Construction

The situationA developer required construction and term financing for an 11-unit rental project designed around affordability and energy-efficiency objectives.
The financing challengeThe request had to be resized around site constraints and advanced through appraisal, quantity-surveyor, insurance and bonding requirements without relying on a land severance.
The structure developedA CMHC MLI Select submission targeting 100 points through affordability and energy efficiency, with up to 95% loan-to-cost, an 18-month construction and interim period, and a 50-year amortization.
Monty Capital’s roleReworked the financing request, coordinated the revised term sheet and deposit, organized the underwriting package, and managed communication among the borrower, capital source and CMHC process.
Documented result: The approximately $3.2M CMHC-insured financing was funded after underwriting and completion of the lender conditions.

Company and executive names have been withheld. Amounts are rounded, and all three transactions reflect completed funding outcomes.

Representative $20M–$50M funded mandates

Representative Large-Transaction Experience

At this scale, the work is rarely about finding one loan. It is about designing the capital stack, sequencing approvals and aligning senior debt, subordinate capital, sponsor equity, security and the eventual exit.

Each profile is a privacy-protective composite drawn from multiple completed transactions, reflecting funded work across comparable transaction types and scales without exposing a client, company or executive.

Funded Experience
$20M–$25M

Mid-Rise Rental Development

Mandate: Move a permitted purpose-built rental project from site ownership into construction while preserving sponsor liquidity.

Capital strategy: Senior construction debt, sponsor equity, an interest reserve and cost-overrun support, with a planned insured or conventional term takeout after lease-up.

Execution focus: Appraisal, quantity-surveyor budget, permits, environmental review, completion risk, security and construction monitoring.

Structuring objective: Fund construction, protect liquidity and reduce takeout-refinancing risk.

Funded Experience
$30M–$40M

Business Acquisition & Recapitalization

Mandate: Finance a strategic acquisition for a profitable multi-location operating company while replacing higher-cost incumbent debt.

Capital strategy: Senior cash-flow term debt, an asset-based revolver against receivables and inventory, equipment financing, a vendor note and a performance-based earn-out.

Execution focus: Quality of earnings, normalized EBITDA, working-capital requirements, covenant headroom, security priorities and integration planning.

Structuring objective: Close the acquisition, preserve operating liquidity and lower the blended cost of capital.

Funded Experience
$40M–$50M

Multifamily Portfolio Refinance

Mandate: Refinance a portfolio of stabilized apartment properties, retire short-term debt and release capital for renovations and future acquisitions.

Capital strategy: Property-level insured or conventional first mortgages, staged closings, rate management, appropriate reserves and coordinated debt allocation across the portfolio.

Execution focus: Rent rolls, normalized net operating income, appraisals, environmental and building-condition reports, ownership structure and sponsor strength.

Structuring objective: Extend amortization, strengthen coverage, improve liquidity and reduce refinancing concentration.

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