Canadian Private Lenders’ Podcast

Ep. 72 | Private Lending for Investors: Understanding MICs, MFTs, and Direct Loans

• NEAL • Episode 72

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Are you leveraging the right private lending structure for your investments? In this episode, Ryan MacNeil and Neal Andreino discuss the different private lending structures that are common in Canada. They explain syndicate loans, direct private loans, Mortgage Investment Corporations (MICs), and Mutual Fund Trusts (MFTs). Each lending structure is covered in detail, outlining how it works, its benefits, and the potential risks involved.

This episode offers valuable insights for investors, mortgage brokers, and borrowers. Ryan and Neal highlight the flexibility and risks of each structure, from pooled investments in MICs to direct loans where investors have control over the terms. They emphasize the importance of understanding risk tolerance and doing proper due diligence before getting involved in private lending. If you are looking to learn more about private lending in Canada, this episode provides the essential information you need to make informed decisions.


Show notes:

01:14 - Ryan and Neal discuss post-break news updates.

03:28 - Ryan compares the current economy to the Great Depression.

06:12 - Tariff impact on Canadian cities discussed.

09:04 - St. John, New Brunswick's tariff exposure highlighted.

10:40 - Impact of tariffs on real estate and manufacturing.

13:05 - Syndicate loans explained as pooled investor funds.

14:35 - Direct private loans provide more control and risk.

18:00 - Mortgage Investment Corporations (MFTs) structure and benefits.

19:40 - MFTs offer tax efficiency, flexibility in investments.

23:30 - MFTs' regulatory environment versus other structures discussed.


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