To qualify for a loan, you typically need a good credit score, stable income, manageable debt-to-income ratio, and, in some cases, collateral. Lenders assess these factors to determine your ability to repay the loan. It's important to maintain a positive credit history, provide accurate financial information, and demonstrate your ability to meet the loan requirements to improve your chances of approval.

Commercial mortgages are used to purchase or refinance properties intended for business or investment purposes, such as office buildings, retail spaces, or industrial warehouses. Residential mortgages, on the other hand, are used to finance the purchase or refinance of homes intended for personal occupancy, such as single-family houses, condominiums, or multi-unit residential buildings with up to four units. Additionally, commercial mortgages typically have higher interest rates and shorter loan terms compared to residential mortgages

Working capital loans are essential for businesses to cover day-to-day operational expenses, such as payroll, inventory purchases, rent, utilities, and other short-term financial needs. These loans ensure that businesses have the necessary cash flow to sustain their operations, manage fluctuations in revenue and expenses, seize growth opportunities, and maintain liquidity.

Traditional financial planning typically addresses short-term financial goals, such as budgeting, debt management, and retirement planning. In contrast, wealth advisory encompasses a broader range of services tailored to high-net-worth individuals, including investment management, estate planning, tax optimization, and legacy planning. Wealth advisors provide more personalized and comprehensive strategies to help clients preserve, grow, and transfer their wealth across generations.