• When banks say no, we may say yes

  • Funded more than 1,700 mortgages in Canada since 2008

  • Chosen by some of Canada's top Financial Advisors and over 1,300 investors

When banks say no, we may say yes.

AP Capital is a Western Canadian non-bank lender and we operate a mortgage investment corporation (or MIC as they are commonly called). Launched in 2007, AP Capital MIC has funded more than 1,700 mortgages and is proud to work with some of Canada’s top mortgage brokers and licensed financial firms. Investors exceed 1,300 in number and AP Capital MIC is a proud partner of three Canadian big-five banks.

As a Canadian non-bank alternative lender, we offer Western Canadian homebuyers and homeowners an alternative to Canada’s big banks, monoline, trust companies, or credit unions. Mortgages are sourced through licensed mortgage brokers and AP funds only those we choose. Our mortgages provide short-term solutions to Canadians; all secured by residential real estate primarily located in urban markets of Western Canada. The AP team manages the entire lifecycle of every mortgage in the fund’s portfolio; more than $700MM since 2007.

As an investment, AP Capital MIC is an alternative private investment chosen by many of Canada’s financial advisors and investment firms.  We are proud of our past performance with a 10-year average annual return of 7.95% (audited, net of fees) with more than 1,300 investors choosing AP Capital MIC through the assistance of their licensed financial advisor.

  • Mortgage brokers; we look forward to working with you and funding your deals.
  • Investment Advisors, IIROC, Institutional Investors, Family Offices, and EMDs; let’s discuss how AP Capital MIC might be a good option for you and your clients.
  • Shareholders and investors; thank you for your ongoing support.

We look forward to meeting and speaking with you.  Contact us here.

The following links are updated every week, month or quarter.

MIC Fast Facts (monthly)  |   MIC Fund Summary (quarterly)  |  MIC Monthly Reports (monthly)  | Fact Friday (weekly)

  • AP MIC

Recent Updates

January 20, 2023 – AP Capital MIC Fast Facts – December 31, 2022

April 30, 2022AP Capital MIC Offering Memorandum April 30, 2022

April 30, 2022 – AP Capital MIC Audited Financial Statements FYE Dec 31, 2021

All the links to all the socials online (AP Capital on Instagram, TikTok, LinkedIn, Facebook and more…)

Potential investors without a Financial Advisor (visit