The bank Senior Corporate Banker · 10 yrs
HSBC
A decade as a senior corporate banker — with a turn through the credit department, where I learned how the institution actually decides.
Commercial capital advisor
I find the capital other people can’t.
I structure commercial real estate and operating-business financing across Canada — especially the deals that don’t fit a bank’s form.
Founder, H&T Capital ↘︎$800M+
Capital structured
15
Years at the table
80+
Businesses backed
250+
Capital partners
01 — The short version
I’m Ryan. For fifteen years I’ve sat between people who own things worth building and the capital that makes them possible — and learned that the answer is almost never the one the first banker gave.
My work lives in the part of a deal most people find tedious: the structure. Where the money comes from, in what order, on what terms, and what happens when the plan meets a slow quarter. Enough deals in, you stop guessing and start recognising which structures hold — and which quietly come apart when it matters.
The institutional version of that work runs through my firm, H&T Capital. This page is the shorter, more personal story — what I believe about capital, and a quiet sample of what I’ve helped get built.
“Most owners don’t have a rate problem. They have a structure problem.”
02 — Every side of the table
Most advisors have sat in one seat.
I’ve sat in all four.
Bank, builder, principal, advisor — every side of a lending table, at an institutional level.
The builder Co-founder & CFO
Turbolyft
Co-founded and ran finance for an aerospace company — Airbus-helicopter MRO, built from scratch into a 30,000-sq-ft operation at Pitt Meadows airport.
The principal Dev & Capital Markets
A private real-estate fund
Director of Development & Capital Markets — raising and deploying capital for purpose-built rental housing.
The advisor Capital advisory
H&T Capital ↗︎
Structuring commercial real estate and corporate financing for owners and developers.
03 — Selected work
A body of work,
not a brochure.
Names withheld; the structures speak for themselves. A sample across asset classes and capital types.
A purpose-built rental community — construction through to CMHC takeout.
- Asset
- Multifamily
- Location
- Maple Ridge, BC
- Amount
- $48M
- Structure
- CMHC construction + takeout
A 250,000-sq-ft industrial build, financed from the ground up.
- Asset
- Industrial
- Location
- Delta, BC
- Amount
- $40M
- Structure
- Construction loan
A condominium development in the GTA, carried to completion.
- Asset
- Condo development
- Location
- Etobicoke, ON
- Amount
- $60M
- Structure
- Term loan
A quarter-million square feet of industrial, termed out.
- Asset
- Industrial
- Location
- Steveston, BC
- Amount
- $30M
- Structure
- Term loan
A mixed office-and-residential asset on a single facility.
- Asset
- Office & residential
- Location
- Burquitlam, BC
- Amount
- $30M
- Structure
- Term loan
A neighbourhood retail centre, refinanced to term.
- Asset
- Retail
- Location
- Toronto, ON
- Amount
- $19M
- Structure
- Term loan
An energy-storage operator, funded on a secured facility.
- Asset
- Operating company
- Location
- Toronto, ON
- Amount
- $7M
- Structure
- Senior secured revolver + term
04 — How I work
- 01 Anyone can shop a rate. Structure is the part you have to build.
- 02 I only arrange financing I’d sign for myself.
- 03 The cheapest money is rarely the right money.
- 04 Speed is a feature. Certainty is the product.
- 05 A fast no beats a slow maybe.
The firm
When a deal needs the full desk,
it lives at H&T Capital.
The institutional practice I built with my partner — commercial real estate and corporate financing, underwritten to an institutional standard, licensed across Canada.
Visit htcap.ca ↗︎05 — Let’s talk
Let’s find
your capital.
If a bank has said no — or said maybe for too long — that’s usually where I start.