Private Lending’s Quiet Revolution: How Canadians Are Rethinking Wealth in a High-Debt Economy

When economic tides shift, smart investors don’t panic—they pivot. And across Canada, especially in regions like British Columbia, that pivot is clearly toward private lending. As household debt climbs and bank lending tightens, one trend is accelerating in the background: the rise of Mortgage Investment Corporations (MICs). These private lending vehicles are quietly becoming the investment bridge between capital-hungry borrowers and income-seeking investors. What’s Fueling the Shift Toward Private Lending? 1. Limited Bank Lending: Traditional lenders are trimming approvals, especially for non-standard borrowers like entrepreneurs and real estate developers. 2. Rising Demand for Yield: Investors want monthly cash flow—without the turbulence of public equities or the low returns of savings accounts. 3. Tangible, Asset-Backed Returns: MICs pool investor capital into secured mortgage loans, typically backed by real estate in growing markets like BC. Why MI...