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HALO Advisory Business Finance and Business Plan Service.

A proud moment for HALO Mortgage Advisory. 🏆Congratulations to Stephen Thomas, Principal Broker, on being named an Excel...
13/10/2026

A proud moment for HALO Mortgage Advisory. 🏆

Congratulations to Stephen Thomas, Principal Broker, on being named an Excellence Awardee and Finalist for Broker of the Year – Commercial at the 2026 Canadian Mortgage Awards.

This recognition reflects Stephen’s commitment to his clients, his depth of expertise in commercial financing, and the work he continues to put into building HALO and supporting businesses and investors across Canada.

Congratulations, Stephen — well deserved! 👏🏾

Commercial Lending Simplified.
31/07/2026

Commercial Lending Simplified.

Meet the Expert Behind the Numbers: Anna HickmanEvery successful financing starts with a strong foundation, and that’s w...
29/07/2026

Meet the Expert Behind the Numbers: Anna Hickman

Every successful financing starts with a strong foundation, and that’s where Anna Hickman, HALO Mortgage Advisory’s Manager & Lead Credit Analyst, makes all the difference.

Anna plays a critical role in every transaction that comes through our doors. From conducting in-depth financial analysis to structuring complex commercial financing solutions, she ensures every deal is positioned for success before it reaches a lender.

Her attention to detail, analytical expertise, and deep understanding of commercial credit help our clients navigate even the most challenging financing scenarios with confidence. Whether it’s an acquisition, refinancing, construction financing, or a customized lending strategy, Anna works tirelessly behind the scenes to deliver exceptional outcomes.

At HALO, we know that great results come from great people—and Anna’s dedication, professionalism, and commitment to excellence are a big part of what sets our team apart.

Join us in recognizing Anna for the expertise and passion she brings to every client and every transaction.

Meet Stephen Thomas, Principal Broker at HALO Mortgage Advisory.With decades of experience in commercial real estate fin...
29/07/2026

Meet Stephen Thomas, Principal Broker at HALO Mortgage Advisory.

With decades of experience in commercial real estate finance, Stephen has built a reputation for finding solutions where others see obstacles. His expertise spans commercial mortgages, construction financing, development lending, refinancing, and complex capital structures—helping clients secure the financing they need to move their projects forward.

Stephen believes every transaction starts with understanding the client’s vision. By combining deep industry knowledge with a relationship-first approach, he works alongside investors, developers, and business owners to structure financing that supports long-term success.

At HALO Mortgage Advisory, we’re proud to have Stephen leading our team with integrity, expertise, and an unwavering commitment to delivering results.

Whether you’re acquiring, developing, refinancing, or expanding, Stephen and the HALO team are here to help.

📩 Connect with us today to discuss your next commercial financing opportunity.

🎉 Another successful funding milestone for our client!HALO Advisory is proud to have supported our client in securing a ...
22/07/2026

🎉 Another successful funding milestone for our client!

HALO Advisory is proud to have supported our client in securing a $750,000 grant through the Durham Region At Home Incentive Program (AHIP).

The At Home Incentive Program is designed to encourage the development of new purpose-built rental housing by providing financial incentives that help offset the costs of construction and accelerate much-needed housing supply across Durham Region. Programs like AHIP play an important role in addressing housing affordability while supporting sustainable community growth.

Navigating government funding opportunities can be complex. From identifying eligibility to preparing a compelling application and managing the submission process, HALO Advisory worked alongside our client every step of the way to maximize their opportunity for success.

We’re proud to help clients access non-dilutive funding that supports impactful projects and strengthens communities.

Congratulations to our client on this outstanding achievement!

Looking for grant funding or government incentives for your next project? Connect with HALO Advisory to explore the opportunities available.

GovernmentGrants

Big vision. Significant capital. Exceptional ex*****on. 🍽️🏗️HALO Mortgage Advisory is proud to announce the successful f...
24/06/2026

Big vision. Significant capital. Exceptional ex*****on. 🍽️🏗️

HALO Mortgage Advisory is proud to announce the successful funding of $5.8M in restaurant renovation financing at an impressive 91% LTC.

High-leverage construction and renovation financing can be transformative for hospitality operators looking to modernize, expand, or reposition their business. This transaction provided the capital needed to bring an ambitious restaurant redevelopment project to life while preserving equity for other growth initiatives.

Complex projects require creative financing solutions—and that’s where our team excels.

Planning a renovation, expansion, or commercial redevelopment project? Connect with HALO Mortgage Advisory today.

Brewing up another success story ☕🚀HALO Advisory is proud to announce the successful funding of a $150,000 CSBFL loan to...
12/06/2026

Brewing up another success story ☕🚀

HALO Advisory is proud to announce the successful funding of a $150,000 CSBFL loan to support the launch of a new Chai Time franchise location.

Starting a franchise is an exciting milestone, and securing the right financing is a key ingredient for success. Through the Canada Small Business Financing Loan program, we helped our client access the capital needed to bring their business vision to life.

We’re passionate about helping entrepreneurs turn opportunities into thriving businesses with financing solutions tailored to their goals.

Thinking about opening a franchise or launching a new business? Connect with HALO Advisory today.

Helping entrepreneurs take the next step in business ownership 👏HALO Advisory is proud to have secured $142,800 in CSBFL...
11/06/2026

Helping entrepreneurs take the next step in business ownership 👏

HALO Advisory is proud to have secured $142,800 in CSBFL financing to support the purchase of an existing Molly Maid franchise and provide additional startup capital.

Acquiring an established franchise can be an excellent path to business ownership, and the right financing structure helps create a strong foundation for future growth.

We’re proud to support entrepreneurs as they invest in their future and build successful businesses.

Looking to buy a franchise or business? Let’s talk.

CommercialFinance HALOAdvisory

Another entrepreneur’s vision brought to life 🚀HALO Advisory is proud to announce the successful funding of a $500,000 C...
10/06/2026

Another entrepreneur’s vision brought to life 🚀

HALO Advisory is proud to announce the successful funding of a $500,000 CSBFL loan to support the launch of a new Stacked franchise location.

Starting a franchise requires more than ambition—it requires the right financing partner. Through the Canada Small Business Financing Loan (CSBFL) program, we helped secure the capital needed to support this exciting new business venture and position it for long-term success.

Whether you’re opening your first franchise or expanding your portfolio, strategic financing can make all the difference.

Thinking about launching or acquiring a business? Connect with HALO Advisory today.

The Bank of Canada held its overnight rate at 2.25% today, marking another pause in what has become a delicate balancing...
10/06/2026

The Bank of Canada held its overnight rate at 2.25% today, marking another pause in what has become a delicate balancing act between inflation and economic growth.

For business owners and real estate investors, today’s announcement isn’t really about what happened. It’s about what didn’t happen.

The Bank chose not to cut rates despite signs of economic weakness. That tells us inflation remains a concern. At the same time, they didn’t raise rates, suggesting they believe current pressures may not be significant enough to warrant further tightening.

What does this mean for borrowers?

• Variable-rate debt remains stable for now.
• Lenders continue to evaluate risk carefully.
• Credit appetite remains selective across many industries.
• Strong financial reporting, liquidity, and cash flow management continue to be critical.

One of the biggest mistakes I see business owners make is focusing exclusively on interest rates. In reality, access to capital is often more important than the rate itself.

I’ve seen two businesses with similar financial profiles receive very different financing outcomes simply because lender appetite changed between applications. The lending environment is constantly evolving, and timing matters.

Today’s announcement reinforces a trend we’ve been discussing with clients for months: we’re operating in a “prepare, don’t predict” environment.

The businesses that will be best positioned over the next 12 months won’t necessarily be the ones waiting for rates to fall. They’ll be the ones strengthening cash flow, maintaining liquidity, and ensuring they’re finance-ready when opportunities arise.

In uncertain markets, preparation creates options.

BusinessOwners RealEstateInvesting CashFlow Finance CanadianBusiness

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Opening Hours

Monday 09:00 - 20:00
Tuesday 09:00 - 20:00
Wednesday 09:00 - 20:00
Thursday 09:00 - 20:00
Friday 09:00 - 20:00
Saturday 10:00 - 18:00
Sunday 12:00 - 17:00

Telephone

+14169952082

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