St. James ATM Replacement
Our St. James ATM will be unavailable on February 26 and 27 while we upgrade our machine. Please view the full list of alternate ATM locations below. We appreciate your patience.
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New envelope-less Cambrian ATMs
Our new ATMs no longer require envelopes for cash or cheque deposits. To learn more, click the link below!
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Scam Alert
Please be aware that fraudulent callers are posing as Cambrian Credit Union. We have not initiated calls about account or credit card transactions. Please hang up and do not engage with these calls.
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Mortgage your commercial property locally

Make building or buying commercial real estate simple with local advice and approvals, right here in Winnipeg.

Why Cambrian? Our purpose is to save, solve and simplify.

At Cambrian, part of our purpose is to solve financial problems. That is one of our goals in everything we do for our members, including financing your commercial property.

Get going on your project sooner with a quick approval.

There is nothing worse than a “slow no” in the commercial mortgage business. As soon as we receive the necessary third party reports, we’ll finalize your mortgage approval in an industry leading timeframe. This lets you move quickly on building or purchasing your commercial property.

Solve your financial problems with flexible and competitive terms.

No two projects are the same. That is why our Commercial Relationship Managers will work with you to thoroughly understand your needs and develop a mortgage proposal that fits your business.

At Cambrian, our goal is to solve your financial problems, save you time, and simplify your business.

Pay off your mortgage faster.

We love helping you save money. Which is why you can choose to pay up to an additional 20% of the original balance of your commercial mortgage every year, without penalty. Make one lump sum payment or make additional payments throughout the year.

Get personalized, honest advice about switching your mortgage.

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Commercial Properties Financed by Cambrian

Cambrian has financed many commercial mortgages throughout Manitoba, and from British Columbia to Ontario. We can assist you with your project anywhere in Canada, as long as your business is based in Manitoba or the property is located in Manitoba.

Here are just a few of the companies we have worked with.

End to end digital process
Member based in Vancouver

Strip Mall Purchase

2790 Pembina Hwy

2790 Pembina Hwy Ltd is based in Vancouver and found Cambrian online. Our teams worked together via video meetings to complete the application process all the way through to completing the acquisition of their strip mall in Winnipeg.

3 Stories
23 Suites

Rental Property Project

Uptown Lofts

Once the historic Uptown Theatre, and then a bowling alley, the mixed-used Uptown Lofts is a prime example of building preservation. Globe Property Management Ltd. retrofitted the interior, carefully preserving the exterior, dating back to 1931. Uptown Lofts was a winner of the 2022 Heritage Winnipeg Conservation Award of Excellence.

26,000 sq ft
Office, residential & retail

Office, Residential & Retail

The James Avenue Pumphouse

Originally built in 1905, Alston Properties redeveloped the James Avenue Pumphouse into a mixed-use building that honours its heritage, offering visitors a glimpse of the original through via the original machinery that was preserved in the redevelopment.

Although some lenders avoid financing projects that are already underway, Cambrian entered this project with Stage 1 nearly complete.

How does applying for a Cambrian commercial mortgage work?

Step 1:
Initial Meeting

When applying for a commercial mortgage, it is important to work with a lender that understands your project.

The first step is to book a meeting with a Cambrian Commercial Relationship Manager to review the details of your project. At this meeting, we will discuss your overall project plan, location, budget, timeline and your financing needs. Depending on the type of project, we may request additional details.

Our commercial relationship managers are available to meet you however is most convenient for you – by phone or video or if you prefer, in-person at your place of business or at our office.

Book a meeting

Step 2:
Discussion paper

Following our initial meeting, you can expect to receive a call review the discussion paper outlining the specific details of your project and the requirements and terms of our proposed mortgage financing, including amount, rate and term. The discussion paper will also list the conditions and precedents that must be met before Cambrian can fund the mortgage, the reporting requirements and any other relevant information.

The discussion paper will provide you with all the information you need to decide if you want to proceed with our proposed financing. If you proceed, an application fee will apply.

Step 3:
Due diligence and approval

Once Cambrian has received all the required documentation and reports from your business and third parties, our team will analyze, verify and validate the information before proceeding with the approval of the mortgage.

Once the commercial mortgage is approved, Cambrian will send a Commitment Letter for your review and signature, which will outline your approved credit and the terms and conditions of your mortgage.

Step 4:
Your project begins once all pre-funding conditions have been met

If you are building, generally, a Quantity Surveyor will request funds, monitor the project and submit progress advance requests during each stage of your build. This will continue in stages until the construction is complete.

If you are purchasing a property, we will work with your legal counsel to advance the mortgage proceeds to close on a property. Then you will begin making mortgage payments as outlined in your Committment Letter.

Frequently
Asked Questions

Does my project have to be based in Manitoba for a Commercial Mortgage?

Cambrian has financed many commercial mortgages outside of Manitoba. We can assist you with your project anywhere in Canada, as long as your business is based in Manitoba.

What industries do you work in?

We have financed project for members working in a variety of sectors, including but not limited to:


  • Manufacturing
  • Supply Chain
  • Logistics
  • Plumbing
  • Heating
  • Electrical
  • HVAC
  • Roofing
What sort of commercial projects have you financed?

Cambrian has financed a variety of commercial projects, including, but not limited to:


  • Multi-unit residential rental complexes
  • Owner-occupied premises
  • Life lease facilities
  • Seniors’ complexes
  • Office buildings
  • Shopping centres
  • Industrial properties