Specialty Finance — Out-of-the-Box Funding for Deals That Don't Fit
When the standard credit box says no, that is where we start.
Some funding needs simply don't fit a standard product. The asset is unusual. The situation is urgent, distressed, or just plain complicated. Specialty finance is funding carved out around the specific deal — structured to fit the borrower, the asset, and the timeline.
- Typical deal size
- Sized case by case; recent examples range from $5 million to $20 million.
- Best for
- Businesses with an unusual asset, structure, or situation
- Markets
- Canada-wide. Cross-border options available.
What is specialty finance?
Specialty finance is funding carved out around the specific deal — structured to fit the borrower, the asset, and the timeline, rather than forcing the deal into a pre-set box. We arrange out-of-the-box funding through a network of specialty lenders who will work with us to carve out a funding solution for specialty needs.
Who fits this facility
- Businesses with an unusual asset, structure, or situation
- Listed companies and larger, more complex borrowers
- Businesses needing speed — a bridge, a refinance, or a rescue package
- Businesses that have been declined elsewhere, or offered terms that don't work
Funding sized and structured case by case
- Bridge finance
- Refinancing
- Rescue finance packages
- Funding for unusual assets and complex situations
Examples of the specialty funding we arrange
$5 million bridge finance for a TSX-listed company
$20 million refinance for a ranch in Alberta
$7 million rescue finance package for a construction-related company in Ontario
These are examples of the shape and scale of specialty deals we work on — each one structured around its own borrower, asset, and circumstances.
How it works
Tell us what you need
Including what makes the deal unusual, and how quickly it needs to happen.
We structure the solution
Working with specialty lenders to carve out terms that fit the deal, not the other way round.
We match you to the right lender
From our curated network across Canada and internationally.
Get funded
We handle the paperwork, lender communication, and negotiation, so you can focus on running the business.
Why specialty finance clients pick McMillan
- We don't do vanilla — over 35 years and three continents of commercial finance
- Relationships with niche lenders who specialise in the deals others can't structure
- We speak both languages: we translate borrower complexity into lender-ready proposals
- We don't walk away when the answer from a bank is no
Common questions
Anything that doesn't fit a standard bank product: unusual assets, listed borrowers, urgent timelines, or complex situations.
Sized case by case; recent examples range from $5 million to $20 million.
Timelines depend on complexity and documentation; tell us the deadline up front and we will work to it.
Your business name, what you are trying to fund, roughly how much capital you need, and what makes the deal unusual.
Other funding products
Accounts Receivable Finance
Turn unpaid invoices into immediate cash and predictable working capital.
ViewEquipment Financing
Acquire essential equipment without locking up working capital.
ViewBusiness Term Loans
Predictable monthly payments. Capital from $50K to $10M+ for growth, expansion, and major projects.
ViewBusiness Line of Credit
Flexible working capital you can draw on whenever you need it. Pay interest only on what you use.
ViewStart-Up Finance
Capital to launch and scale, for founders in their first three years.
ViewAsset-Based Lending
Turn receivables, inventory and equipment into a facility that grows with you.
ViewLet's talk about your specialty finance deal
A short call is the fastest way to find out if this fits. No obligation, no upfront cost.
Make a loan enquiry