Pay In Time Canada is opening its capital partner panel to Canadian pension allocators, private credit managers, family offices with rural and agricultural mandates, credit union centrals, and bank co-lending desks seeking high-yield, asset-backed exposure to Canadian agricultural credit.
Target Capital Partner Profile: Canadian pension funds (CPP Investments, AIMCo, OTPP, OMERS, HOOPP, BCI) with private debt mandates. Specialty private credit funds with ag, equipment or rural mandates. Family offices with farmland, water, quota or agribusiness exposure. Credit union centrals (Central 1, Concentra, Desjardins) seeking ag exposure beyond direct lending. Schedule I and II bank co-lending desks at BMO, Scotia, CIBC, RBC, TD, National.
Indicative Facility Structures: Forward-flow agreements CAD $25M to $200M+. Warehouse facilities revolving against an eligibility matrix. Participation and co-lending per-deal CAD $5M to $50M, including FCC overflow structures. Programmatic AgTech vendor finance drawn on transaction triggers.
Indicative Economics: Target gross yields 8 to 13 percent depending on product, tenor and structure. Loss expectations modelled at 30 to 120 bps net of recoveries based on Canadian ag track record. PIT earns origination fee, structuring fee, and servicing trail of 25 to 75 bps pa on book.
Engagement Process: 30-minute briefing call, NDA and data room, structure workshop, indicative term sheet, LOI and definitive documentation, first deals funded within 60 to 90 days of facility close.
Submit your Capital Partner enquiry below:
Important: This page is general information only and does not constitute an offer to sell or a solicitation of an offer to buy any securities or to enter into any transaction. Any facility, structure or yield figures are indicative only and subject to definitive documentation, due diligence, regulatory approval and credit committee. Pay In Time Canada is a trade name of REALM Group Global. Accredited Investor / Permitted Client only (NI 45-106 and NI 31-103).
