Purchase, refinance, debt consolidation, a bridge, renovation or a 60-day notice — whatever the bank said no to, we look at your property and lay out clear options based on your equity. Our job: give you the honest picture of your choices, with no pressure and no credit impact.
Most sites send you off to other lenders. Vortex decides and funds with its own capital. One conversation, one signature.
No bank committee, no third party. The lender who answers is the one who approves and funds your file.
We look at your property’s equity — not just income or credit score. Your asset is your strength.
Eligibility decision in under 48 h and funds in as little as 5 business days. Opportunities don’t wait for a bank.
Nearly two decades dedicated solely to private mortgage lending, across Quebec. We know the market.
Residential, commercial, investment or construction — we structure a solution based on your property’s real value.
Combine high-interest debts into one clear payment, secured by your property. Take back control.
Learn moreFund renovations or a construction project based on property value, with draw-based advances.
Learn more60-day notice, legal hypothec or proceedings: we move fast to stabilize your situation and avoid the worst.
Learn moreBuy your new property before your current one sells. A bridge loan covers the gap, without timing stress.
Learn moreFinance a purchase when the bank won’t — a decision based on equity and down payment, not income alone.
Learn moreTurn your property’s equity into cash for a project, an emergency or an opportunity worth seizing.
Learn more
A short form or a call. We ask only the essentials — with no impact on your credit score.
Our team reviews your equity and file structure, then gives you a clear answer — not a maybe.
Once approved, the notary registers the mortgage and funds are released in as little as 5 business days.
Private qualification is different from banks. Vortex confirms your eligibility in a free 15-minute call.
“Great communication and fast turnaround. Would highly recommend their services.”
“Always a great experience dealing with the Vortex Finance team. They're professional, responsive, and provide excellent customer service. I highly recommend them!”
“Collaboration with Vortex is always a success. Fast, efficient, and professional.”
Why private lending exists. Stress-test rules and bank criteria make qualifying hard for the self-employed, imperfect credit, and atypical situations. Private lending fills that gap — based on your property’s real equity.
Based in Laval, we fund files in every region of Quebec — city, suburb or rural.
+ all surrounding areas & rural Quebec
Vortex is a direct lender. Submit your complex or declined files and get a fast answer from a decision-maker — not a middleman.
Submit a file online and track its status in real time.
Broker login — submit a file → Filogix · Velocity · Lendesk or via our portalBank declined, imperfect credit, self-employed or simply in a hurry — Vortex is ready. An honest answer, with no impact on your credit.