Specialty Lending · Insurance-Backed Credit

Innovative lending solutions.

One of Canada's largest independent providers of whole life insurance loans — focused lending products for entrepreneurs and high-net-worth individuals.

Schedule I
Bank-backed capital
Up to 100%
Of premium or dividend-scale CSV
~4 weeks
Funding from engagement
Who we are

A national, non-bank lender built around your insurance asset.

We are backed by stable, long-term institutional financing with the flexibility to provide innovative lending solutions unconstrained by traditional underwriting. Your insurance asset comes first.

Our Solutions

Built around your insurance asset

01

Cash Surrender Value Lending

Langhaus can lend up to 100% of the accumulated, dividend-scale cash surrender value already baked into the policy — typically with no additional collateral required. An efficient way to fund an Insured Retirement Plan (IRP).

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02

Premium Financing

We provide up to 100% of the annual premium on large policies, typically with no additional collateral required — designed for Immediate Financing Arrangements (IFAs).

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Why Langhaus

A lending partner, not just a lender

E

Efficient

More capital for your insurance asset with seamless execution — underwriting and funding in as little as four weeks from engagement.

A

Asset-Based

Our underwriting emphasizes the quality of your insurance asset over cash flow.

L

Long-Term Commitment

Insurance lending is our only vertical, giving us the capacity to grow with your funding plan over time.

F

Structurally Flexible

We lend to any entity within an organizational structure — even if that entity doesn't hold the insurance policy.

D

Discreet

Langhaus is a non-reporting entity — your structure stays off the public credit record.

Tailored for Advisors

Built with your clients in mind

Langhaus is a long-term partner who can support your clients' unique insurance lending requirements. We are a supportive partner to advisors, focused solely on providing lending and structuring expertise.

Solutions for advisors
150 King Street West building exterior, Toronto
Our Office

In the heart of Toronto's financial district

Visit us downtown, steps from Bay Street.

150 King St W, Suite 213
Toronto, ON M5H 1J9
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The lobby at 150 King Street West, Toronto

Partner with Langhaus

Let's discuss how Langhaus can meet your unique insurance lending requirements.

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