About Insurelor
Insurelor publishes dated, sourced figures for Canadian commercial real estate. Every number names its source and its observation date.
Every page on this site answers one question: what would this loan cost, and how big can it be, in this market, on this product, today. We publish the inputs, the arithmetic, and the refresh cadence next to the answer so it can be checked rather than trusted.
01What we do
Benchmark, not quote
We maintain the Insurelor Commercial Debt Rate Index: a published spread per product over the Government of Canada 5-year benchmark, refreshed each business day from Bank of Canada Valet data.
Measure lender depth
The Lender Density Score counts observed lenders and brokers per commercial building in each market, so thin markets are visibly thin instead of quietly mispriced.
Ship the arithmetic
DSCR, LTV, amortization, and scope tools run the same math the pages do. Nothing is gated, and no email is required to use them.
The Insurelor Data Desk
The Insurelor Data Desk is the named research function responsible for every published figure: it maintains the observation series, the review calendar, and it signs off on each revision.
The Data Desk is the byline on every figure-bearing page. It owns four responsibilities, in this order: ingest observations from the cited primary sources without adjustment; apply the published method to derive anything not directly observed; label which of the two produced each number; and hold the review calendar so nothing goes stale silently.
Where a figure is a modelled derivation or a documented baseline seed rather than a direct observation, it is labelled as such on the page itself. We would rather show a weaker number honestly than a stronger one without provenance.
Named individual analyst bios are not published yet. Attributing analysis to invented people would be the fastest way to make everything else here untrustworthy, so the desk carries the byline until real named reviewers are in place.
What we do not do
- We do not originate, broker, arrange, or place debt, and we take no commission on any transaction.
- We do not give financial, legal, tax, or investment advice.
- We do not sell or rent user data, and the tools do not require an account.
- We do not let sponsors change a published figure, a ranking, or a page's conclusion. Sponsorship is labelled where it appears.
Not advice — Insurelor is a data publisher. We do not sell, place, broker or advise on any product, and nothing here is a quote, an offer, or professional advice. Figures are indicative benchmarks for comparison and must be confirmed with a licensed professional before you rely on them. About Insurelor