Canadian Private Lenders’ Podcast
The #1 Podcast on Private Mortgage Lending in Canada. Ryan MacNeil and Neal Andreino of Keystone Capital Group outline their private mortgage lending experience and help you grow your mortgage business, while focusing on the importance of the growing Canadian Mortgage Broker channel.
Canadian Private Lenders’ Podcast
Ep.134 | How Private Lenders Should Handle Excess Capital
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What happens when investor capital is flowing in, but strong deals aren't? In this episode, Neal and Ryan tackle one of the most underrated problems in private lending: having too much dry powder. They break down the dangers of forcing bad deals, the smartest ways to deploy (or hold) idle capital, and the levers you can pull on both the capital and deal-flow side of the business. Whether you're running a fund or operating as an individual lender, this one is packed with practical, hard-won insight.
Show Notes:
03:20 Setting the stage: when capital inflows outpace deal flow
08:00 How excess capital leads to blown portfolios, the slow erosion of underwriting standards
12:17 Option 1: Pay down leverage first (lines of credit, co-lenders)
16:02 Option 2: Early investor redemptions, start with those already hinting at an exit
21:22 Option 3: If you must redeem, prioritize newer investors over long-term sticky capital
21:59 Option 4: Sit on the cash, painful, but better than losing it
23:08 Generating more deal flow: broker relationships, targeted outreach, and niche clarity
27:02 Liquidity forecasting: why most capital problems are really forecasting problems
32:19 Key takeaways and close
Resources:
Keystone Capital Group
CPLP Instagram: @cplpodcast
Keystone Instagram: @keycapgroup
Find Neal On:
Instagram: @neal.andreino
LinkedIn: Neal Andreino
Find Ryan on:
LinkedIn: Ryan MacNeil
E-mail: ryan@keycap.ca