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Private Lending Solutions.
Receive Prompt Approval.

Overcome your financial obstacles today by joining SJC Financial. We specialize in correcting previously denied applications, repairing credit, eliminating debt and evaluating your financial reports.

Our Experts Have the Answer

We provide award winning advice and submit strong applications for individuals with low credit scores and fluctuating incomes. We also help clients consolidate debt in the most efficient way possible so they can clear it fast and look to the future.

When the Banks Say No, We Say Yes!

When the Banks Say No, We Say Yes!

Dont be discouraged by the banks disapproval if you do not find yourself fitting into specific guidelines or requirements. SJC Financial presents access to over 100 high quality lenders, meaning we have unlimited options to explore so you can get approved and achieve your financial goals. Reach out today for experienced advice that works.

Get Approved
Live Debt Free

Live Debt Free

Clear your high interest debt such as credit cards, personal loans, car loans and other costly expenses. We will help guide you through the process of eliminating debt so you can focus on investments and other sounds decisions that will aid your financial future. With over 20 years of experience consolidating debt and building strong portfolios you can feel confident in contacting our team for assistance.

Clear Debt
Fluctuating Income

Fluctuating Income

Fluctuating income can sometimes make for very challenging and complex mortgage applications that don't always get approved. At SJC Financial we are very experienced dealing with these types of situations and have seen tremendous success for our clients. Save time and trust a team that submits strong applications on your behalf. We can help evaluate your financials and give sound advice so you can close the deal.

Manage Income
Get Back on Track with Good Credit

Get Back on Track with Good Credit

Achieve outstanding credit with professional advice. Our team can assist you in clearing bad high interest debt that hurts your credit score on a monthly basis. By ridding you of these debts we can proceed to helping you acquire healthy debt such as a new property or other non depreciating asset. Explore the many options available to you today.

Clear Debt

Our Trusted Lenders

  • Alterna
  • ATB Financial
  • B2B Bank
  • Bridgewater
  • Canadiana
  • CMLS Financial
  • Equitable Trust
  • First Ontario
  • Home Trust
  • ICICI bank
  • Industrial Alliance
  • ING
  • Manulife Bank
  • MCAP
  • Merix
  • Meridian
  • Optimum
  • Prospera
  • RMG Mortgages
  • Scotiabank
  • Street Capital
  • TD Canada Trust
  • Valley First
  • Vancity
  • Wealthline
  • Westminster Savings
  • XCEED

Happy Clients

  • One of the best people I've ever had the pleasure to do business with. This guy is always on top of his game, an absolute machine, can get you the best rates, always answers your calls and gets stu...
    Michel Tamer
  • I would like to say the amazing knowledge and insight received will help me with my long-term financial plans. Much appreciated.
    Brad Carlyle
  • My husband and I had the best experience dealing with Steven and his team, they were knowledgeable, efficient and found us the best rates available. They made the process of selling and purchasing ...
    Amanda Adlard
  • Steven has been such a joy to work with. I owe my success to him- he’s like my secret weapon. Steven and I have been working together since 2016 on refinancing, new mortgages and now we’re ont...
    Gemma Watson
  • SJC financial helped me purchase my first home, everything was simple and easy with no setbacks. I was approved quickly and they got me a fantastic rate with a AAA lender. Definitely happy with the...
    Ryan Andrews

From the Blog

Benefits of Investing in Multi-Family Real Estate
January 13, 2021

Benefits of Investing in Multi-Family Real Estate

Top 3 Biggest Home Seller Mistakes
December 23, 2020

Top 3 Biggest Home Seller Mistakes

3 Tips on How to Better Your Credit Score
December 9, 2020

3 Tips on How to Better Your Credit Score