Innovative, flexible lending solutions for private businesses and high-net-worth individuals — built around the insurance asset they already hold.
Langhaus loans are designed to maximize cash flow. Borrowing options include up to 100% of the annual premium or up to 100% of the current dividend-scale cash surrender value — typically with no additional collateral required beyond the policy and a standard guarantee.
Lend up to 100% of the accumulated, dividend-scale cash surrender value already baked into the policy — an efficient way to fund an Insured Retirement Plan (IRP).
Up to 100% of the annual premium on large policies — designed for Immediate Financing Arrangements (IFAs), typically with no additional collateral required.
Typically no additional collateral beyond the insurance policy and a standard guarantee. We never pursue other parts of the relationship.
Langhaus is a non-reporting entity — your structure stays off the public credit record.
Insurance lending is our only vertical, giving us the capacity to grow with your funding plan over time.
Funding in as little as four weeks from engagement; confirmation in as little as three weeks.
Transparent pricing from Prime + 100 bps, with a clear, simple fee structure.
Capital sourced from Schedule I banks, institutional investors, and family offices across Canada.
Underwriting is flexible and asset-based: Langhaus reviews policy illustrations, organizational structure, a statement of net worth, and pertinent tax information. At the borrower's election, Langhaus can pay premiums directly to the carrier — preserving working capital (with a trade-off on that year's interest deductibility).
Let's discuss how Langhaus can meet your unique insurance lending requirements.
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