Private Capital · Investment · Construction · Québec

Smart capital.
Rigorous construction.

Private financing · Asset holding · Real estate partnerships · RBQ General Contractor 5847-2960-01

10+
Years investing
500+
Homes built
28+
Years of expertise
Our full offer Contact us
🏛️
Two entities · One vision
50/50 Partnership with HLA360 inc.
P2A-Capital inc. — Private financing, asset holding
P2A-Construction inc. — RBQ General Contractor 5847-2960-01
28 years of multidisciplinary expertise
Member of CIIQ · Immofacile · Mordus d'immobiliers
Certified SAFe Agilist · Jira · HEC Montréal

What we offer

Capital & Construction

Integrated solutions for investors, property owners and partners seeking expertise in real estate financing and construction.

💰

Private mortgage loans via self-directed RRSP

Structuring and administrative management of private mortgage loans granted directly by a lender to a borrower — funded through a self-directed RRSP (e.g. Olympia Trust).

  • Project, budget and resale value evaluation
  • Coordination of the mortgage deed with notary and RRSP trustee
  • Direct, bilateral lender-borrower matching
  • Administrative follow-up until maturity
🏢

Asset holding & management

Acquisition, holding and optimization of residential, commercial and vacation properties.

  • Rigorous profitability analysis
  • Structuring of complex acquisitions
  • Rental cottage management
  • Rental yield optimization
🤝

Real estate co-investment

Direct co-investment opportunities for value-added real estate projects in Québec, structured through shareholder or partnership agreements.

  • Flip and lease-to-own partnerships
  • Land development in co-ownership
  • Due diligence and project analysis
  • Standard partnership agreement
🏗️

Integrated construction

RBQ-licensed general contractor — from financing through to key handover.

  • New construction and major renovation
  • Contract and subcontractor management
  • Professional cost control
  • Turnkey flips with integrated financing
🌲

Land development

Prospecting, analysis and development of land in the Laurentians and Greater Montréal.

  • Land prospecting and evaluation
  • Feasibility and profitability studies
  • Residential and recreational development
  • Coordination with municipalities
📊

Advisory & file structuring

Strategic support for complex projects requiring financing and construction expertise.

  • Financing file structuring
  • Portfolio profitability analysis
  • Real estate asset restructuring

Complementary service · Self-Directed RRSP Capital

A structured bridge between RRSP capital and real estate projects

P2A Capital acts as a structuring intermediary and administrative manager between self-directed RRSP holders and real estate project owners seeking short-term financing — never as a mortgage broker registered with the AMF, nor as an issuer of syndicated mortgage debt.

How it works

1
Project evaluation
Analysis of the renovation budget, timelines and estimated resale value, backed by 28 years of construction and real estate experience.
2
Legal structuring
Coordination of the mortgage deed with the notary and the self-directed RRSP trustee (e.g. Olympia Trust).
3
Direct matching
Presenting the file to a qualified RRSP lender. The loan is always granted directly by the lender to the borrower — never through pooling of unrelated third-party capital.
4
Follow-up until maturity
Payment management, quarterly reports to the lender, and coordination in case of renewal or default.

🛡️ Regulatory framework respected

  • Direct lender-borrower loan — no syndication or pooling of unrelated third-party capital, in accordance with the Securities Act (Québec)
  • P2A Capital acts as a business referral agent and administrative manager — not as a mortgage broker holding an AMF license
  • Real mortgage security, registered on the land registry in the name of the RRSP trustee
  • Systematic confirmation of the absence of a relationship between lender and borrower
  • No guaranteed return or repayment — the lender assumes the credit risk and is encouraged to consult their own professional advisors

👥 Who it's for

Capital holders — substantial self-directed RRSP, frustrated by bond and GIC returns, looking for secure fixed income.
Project owners — flippers, investors and RBQ-licensed contractors needing structured bridge financing between purchase and resale.

What sets us apart

An integrated approach

P2A was born from a simple observation: the best real estate projects need as much financing expertise as construction expertise.

A
Rigorous financial analysis
Every project goes through a complete profitability analysis. We invest and build with our heads, not our emotions.
B
Creative structuring
Conventional financing, private lending, lease-to-own — we explore every structure to optimize returns.
C
On-the-ground execution
With RBQ license 5847-2960-01 and 30 years of experience, P2A can take charge of physically delivering projects.
D
Follow-up & optimization
World-class management methods (SAFe, HEC Montréal) applied to real estate. Every dollar, every day counted.
Building and financing under the same roof is a strength few real estate entrepreneurs possess.
— Luc Allaire, P2A Founder
10+
Years investing
500+
Homes built
RBQ
5847-2960-01
28+
Years of expertise

Get in touch

A project in mind?

Private financing via self-directed RRSP, co-investment, construction project or land development — describe your opportunity.

✉️
info@p2a-capital.com
🏗️
p2a-construction.com
🏛️
legroupe360.com — HLA360 Group
📍
Québec · Laurentians · Greater Montréal