My phone rang this week.

It was Mr. Moneyman.

I’ve known Mr. Moneyman for almost fifteen years. He’s one of those people who’s seen everything the Halifax real estate market has to offer — he spent years as a developer, built projects across the city, lived through the cycles, and after 2008 decided he’d rather be on the lending side of the table than the borrowing side. Smart man.

Over the years we’ve done a lot of deals together. Small ones. Big ones. Everything in between. When a file lands on my desk that needs private capital — whether it’s $75,000 or $1.5 million — Mr. Moneyman is often the first call I make.

This week he called me first.

“Pat, I’ve got money sitting. Clients have been paying out. I want to put it to work.”

That’s not a problem. That’s an opportunity — and I want to make sure the right people know about it.

So who should be calling me right now?

Private lending isn’t for everyone. But for the right situation, it’s exactly the tool you need. Here’s who I’m thinking about when I say that:

The developer who found the right piece of land. You’ve run the numbers. The project works. But conventional financing takes time you don’t have, and the seller isn’t waiting. A private bridge gets you to the table fast — and buys you the time to arrange long-term financing properly.

The investor whose bank said no. Maybe the property is unconventional. Maybe your income is self-employed and the documentation doesn’t fit a bank’s boxes. Private lenders look at the deal, not just the application.

The person mid-project who needs a gap filled. Construction costs ran over. A partner stepped back. The next phase needs capital before the last phase has fully paid out. These situations happen — private lending exists precisely for them.

The buyer who needs to move fast. Conditions are tight. The deal is real. Waiting three weeks for a bank approval isn’t an option. Private capital can close in days, not weeks.

What working with Mr. Moneyman actually looks like.

Mr. Moneyman isn’t a faceless institution. He’s a former developer who understands how projects work, what can go wrong, and what good collateral looks like. When I bring him a file, the conversation is real — not a credit committee somewhere reviewing a checklist.

We’ve done deals as small as $20,000 and as large as $1.5 million together. The common thread in every single one wasn’t the size. It was that the deal made sense.

If yours makes sense, let’s talk.

I look forward to hearing from you in regard to your mortgage needs.

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia Brokerage (2025-3000179) Broker (2025-3000180), Ontario(M18001555) & in British Columbia(BCFSA #504098).

p.s.s.s You can download my new mortgage app here