The Unconventional Approval System | Alan Borcic

For Self-Employed & Business Owners

Banks Keep Rejecting Your Mortgage Applications Despite Your Business Success?

Discover the specialized 5-step system that gets self-employed business owners mortgage approval using alternative lenders who understand corporate income structures, tax write-offs, and past credit issues.

7-12%

Alternative Lending Rates

19-28%

Your Current Credit Card Debt

$3,300+

Average Annual Cash Flow Freed

Breakdown

Why Traditional Banks Reject You (And What Actually Works)

Watch this 18-minute breakdown to understand why the conventional system wasn't designed for entrepreneurs like you.

In This Breakdown, You'll Discover:

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Why traditional banks are designed to reject self-employed business owners (and why it has nothing to do with your actual ability to afford a mortgage)

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The real difference between conventional lending criteria and alternative lending criteria—and why alternative lending is the APPROPRIATE channel for your business structure

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The exact 5-step system that presents multiple strategic options with full cost transparency BEFORE you commit to anything

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How to consolidate high-interest debt at significantly lower rates through alternative lending—even with bruised credit

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Real client scenarios: Self-employed contractors with consumer proposals, business owners with CRA debt, and investment buyers using corporate income

Book My Mortgage Introduction Call

See Your Multiple Options With Full Cost Transparency

🔒 No-Pressure Consultation

🎯 Alternative Lending Specialist

📊 Multiple Options Presented

💯 Full Transparency

About Your Strategist

Why I Specialize in What Traditional Banks Reject

I'm Alan Borcic, and I built my entire mortgage practice around one principle: self-employed business owners and entrepreneurs deserve financing channels that actually understand how their businesses work.

While most brokers chase easy conventional deals, I work exclusively with alternative lenders as my PRIMARY business model. B-lenders and private lenders who evaluate equity positions, business cash flow, and debt servicing capability—not just credit scores and tax return line items.

When you work with me, you're not getting someone who hopes to fit you into a conventional box. You're getting a specialist who understands that alternative lending is the APPROPRIATE channel for your business structure—and who presents multiple strategic options with complete transparency before you commit to anything.

What Our Clients Say About Us

5.00

★ ★ ★ ★ ★

| 19 reviews

★ ★ ★ ★ ★

Jan 21, 2026

As first time buyers, we were totally unfamiliar with the process and had a lot of questions and concerns. It would have been completely understandable if Alan had lost patience with us, but he was calm and professional throughout.

Carol B

★ ★ ★ ★ ★

Nov 17, 2025

Our mortgage was coming up for renewal and we decided to shop around. A friend of the family recommended Alan. Alan was amazing. We contacted him and he responded very quickly with all of the information we needed.

Eli Polonski

★ ★ ★ ★ ★

Nov 11, 2025

Working with Alan was an excellent experience. He is knowledgeable, responsive, and truly focused on his clients' needs. He made the mortgage process smooth and stress-free. Highly recommend!

Ingrid Lara

View All 19 Reviews on Google

How It Works

The Unconventional Approval System

Unlike traditional brokers who just shop your file to banks that will reject you, this system is built specifically for self-employed scenarios.

Mortgage Introduction Call

No-pressure conversation where we gather complete information about your actual financial situation, business structure, and goals.

Pre-Approval Process

Document collection, credit assessment, and real situation analysis—BEFORE filing any formal applications.

Strategy Session via Video

Multiple tailored options presented with full transparency. You see every cost, penalty, and trade-off BEFORE committing.

Decision & Budget Mapping

Pros/cons analysis, penalty calculations, complete cost picture. YOU decide which path fits your goals.

Application & Execution

Mortgage filing or refinance with appraisal requirements clarified. We manage the process through to funding.

Qualification

Who This Works For (And Who It Doesn't)

✓ This IS For You If:

Self-employed contractors with inconsistent reported income
Business owners showing minimal salary while keeping earnings in corporation
Entrepreneurs who write off everything to minimize taxes
People with consumer proposals, bankruptcies, or credit scores under 600
Business owners with CRA debt accumulating penalties
Anyone with 20% down payment but messy financial documentation
Investment property buyers who can't prove traditional income

✕ This is NOT For You If:

You easily qualify with traditional banks (you'll get better rates there)
You want instant online approval without consultation
You have zero income or equity to work with
You won't provide documentation or follow a process
You expect conventional bank rates with alternative lending criteria

Real Client Scenarios

How This System Works in Practice

These are actual client situations where traditional banks said no, but alternative lending provided the appropriate solution.

Scenario 1

Self-Employed Contractor with Consumer Proposal

Five bank rejections. Making $180K business revenue, but tax returns showed $75K due to write-offs. Consumer proposal from 7 years ago. Credit score 610.

✓ Approved through B-lender at 8.2%. Consolidated $30K credit card debt. Freed up $355/month cash flow.

Scenario 2

Business Owner with CRA Debt

$48K CRA debt accumulating 10% penalties. Profitable business keeping earnings in corporation. Collections escalating, destroying sleep and focus.

✓ Private lender equity takeout eliminated entire CRA debt. Payment increased $280/month vs. $400/month in penalties. Stress eliminated.

Scenario 3

Investment Property Buyer with Corporate Income

$85K down payment ready. $250K corporate retained earnings. Minimal personal salary for tax optimization. Banks rejected because of income structure.

✓ B-lender accepted corporate income docs. Approved at 7.4%. Property purchased, now cash-flowing. Appreciated $60K in 18 months.

Your Questions Answered

Frequently Asked Questions

Won't alternative lender rates be terrible? +

Alternative lender rates are higher than banks (7-12% vs. 5-6%). But here's the question: are you getting approved at a bank right now? If no, comparing unavailable rates is meaningless. The real comparison is what you're paying NOW (19-28% credit cards, 10% CRA penalties) versus alternative consolidation at 7-12%. Which number is lower? Alternative lending is a bridge strategy—use it now to consolidate and stabilize, then refinance to better rates in 12-24 months.

I've tried brokers before. Why would you be different? +

Most brokers make money on conventional deals. When they see your file, they shop it to the same 15-20 banks that already rejected you. They're not equipped for your situation. I specialize in alternative lending as my PRIMARY business model—direct relationships with B-lenders and private lenders who work with self-employed scenarios. Plus, I present multiple options via video call with full transparency BEFORE filing applications. Different channels, different process, different outcomes.

My situation is too messed up. Will this even work for me? +

Alternative lenders use human underwriting that evaluates your complete picture—not automated systems that auto-reject. They ask different questions: What's the equity position? What's the actual business cash flow? What's the debt servicing capability? If you have income (even if tax returns don't show it conventionally) AND equity or down payment AND ability to service debt, there's usually a path. We literally specialize in situations traditional banks call "too messy." If you had perfect credit and standard docs, you wouldn't need this system.

What if I go through this and it doesn't work out? +

The strategy session happens BEFORE formal application. You're not committing on the introduction call. We gather info, collect docs, assess your situation, check lender criteria. THEN we present your options. If viable paths exist, you see them with complete transparency and decide if any make sense. If we can't present viable options, you know that quickly without having filed applications or wasted months. The process gives you clarity fast—not false hope.

Should I just wait and fix my credit first? +

Improving credit from 580 to 680 takes 18-24 months of perfect payment history. Changing tax strategy means next year's returns plus lender acceptance time—12-18 months minimum. That's 2-3 years WHILE your debt compounds at 19-28%, CRA penalties stack, opportunities pass by, and properties appreciate without you. Even then, banks might still reject your business structure. Alternative lending works with your situation NOW, then you refinance to better rates once stabilized. Same end goal, but you don't lose 2-3 years and tens of thousands in interest.

How much will this cost me? +

Mortgage brokers typically get paid by the lender upon successful funding (commission model). For B-lender deals, this is standard. For private lender deals, there may be broker fees disclosed upfront. The strategy session shows you ALL costs—broker fees, lender fees, penalties on existing mortgage if refinancing, appraisal costs, legal fees—BEFORE you commit. You see the complete budget picture and decide if the math makes sense for your situation.

What happens on the introduction call? +

It's a 30-minute no-pressure consultation where we discuss your business structure, credit situation, financial goals, and what you've tried already. We determine if alternative lending is appropriate for your scenario. If it makes sense, next step is pre-approval (document collection and assessment). Then strategy session via video where you see multiple options. You're not asked to commit to anything on the introduction call—just gathering information and assessing fit.

Ready to See Your Options?

Book your no-pressure Mortgage Introduction Call and discover the multiple strategic paths available for your specific situation—with full cost transparency before any commitment.

Book Your Call Now