Partnership to Ownership Program
Own the building your business runs from.
We partner with business owners across Canada and the U.S. to help them acquire the commercial property they occupy. No down payment required. Build equity and own your future.
The Program
Partnership-to-Ownership for Canadian & U.S. Businesses
Every year, thousands of business owners across Canada and the U.S. write rent cheques to landlords — building someone else's wealth instead of their own. JD Capital changes that.
We partner with established business owners to acquire the commercial property they occupy. We bring the down payment, the financing expertise, and the real estate knowledge. You bring your business. Together, we build a joint entity that owns the property — with a clear, pre-agreed path for you to buy us out and own it outright.
No down payment. No closing costs. A clear exit. And on day one, you're building equity instead of paying rent.
At a Glance
Down Payment Required
$0
Due Diligence Costs
Covered by JD Capital
Buyout Timeline
2 to 5 Years
Minimum Building Value
$1M+ / Loan $750K+
Why It Works
What You Gain
Every benefit of commercial property ownership — without the barrier of a six-figure down payment.
Control
Own your property outright. No landlord approvals for renovations, signage, or improvements. Make decisions that serve your business — not your lease agreement.
No Down Payment
Commercial properties require 25–35% down — often $250K–$400K+. JD Capital provides the equity, so you preserve your cash for operations, inventory, and growth.
Equity from Day One
Every mortgage payment builds your net worth. Instead of paying your landlord's mortgage, you're building $400K–$500K+ in equity over a 10-year horizon.
Due Diligence Covered
Inspections, appraisals, environmental assessments — JD Capital covers all due diligence costs ($10K–$35K+). You don't spend a dollar until the deal closes.
Clean Exit Structure
Your buyout of JD Capital's ownership is pre-agreed in the shareholder agreement — no realtor fees, no transfer taxes. A simple share purchase at fair market value determined by independent appraisal.
Financing Access
JD Capital qualifies for and secures the commercial loan — including personal guarantees where required. We handle all lender relationships and origination fees (1–2% of loan value).
The Math
Lease vs. Own — 25 Years
Based on a $950,000 commercial property in Alberta. The numbers speak for themselves.
25-Year Outcome
-$2,087,500
Every dollar gone. No asset. No equity.
25-Year Outcome
+$2,631,000
Mortgage paid off. Building free & clear.
Assumptions
How It Works
The Process
Seven straightforward steps from first conversation to property ownership.
Initial Engagement
You connect with JD Capital and we learn about your business, your current space, and your ownership goals. No commitment required at this stage.
Business Financial Review
You provide your last 2 years of business financials. This allows us to assess loan qualification and structure the partnership appropriately.
Property Selection
Once approved, we work together to identify the right building and location — whether that's your current space or a new property better suited to your growth plans.
Underwriting & Due Diligence
JD Capital conducts full property underwriting and due diligence — inspection, appraisal, environmental assessment. All costs covered by us.
Joint Entity Creation
We create a new Property Hold Co jointly owned by you and JD Capital. The shareholder agreement includes pre-agreed buyout terms — no surprises later.
Financing & Close
JD Capital applies for and secures the commercial mortgage — including personal guarantees where required. We handle all lender fees and origination costs.
Buyout & Full Ownership
In 2–5 years, once the business is stabilized and profitable, you buy out JD Capital's ownership via refinancing at fair market value — determined by an independent third-party appraisal. You own 100% of the property with no realtor fees or transfer taxes.
Eligibility
Program Requirements
The Partnership-to-Ownership program is designed for established businesses across Canada and the U.S. with a proven operating history. If you meet the criteria below, we want to hear from you.
Your business must be actively operating with a minimum of 2 years of financial statements.
The property must be valued at $1M or more, or the commercial loan must exceed $750,000.
The property must be located in Canada or the United States. We work with businesses across all major provinces and states.
Your business must occupy at least 25% of the building's total space.
Questions & Answers
Frequently Asked
The most common questions from business owners considering the Partnership-to-Ownership program.
What is the JD Capital Partnership-to-Ownership program?
It's a program that helps established business owners across Canada and the U.S. acquire the commercial property their business occupies. JD Capital provides the down payment, financing expertise, and real estate knowledge through a jointly owned entity — with a pre-agreed path for you to buy out JD Capital and own the property outright.
Do I need a down payment to participate?
No. Commercial properties typically require 25–35% down — often $250K–$400K or more. JD Capital provides the equity, so you preserve your cash for operations, inventory, and growth.
What does it cost me to participate?
There is no down payment and no closing cost to you. JD Capital covers all due diligence costs — inspections, appraisals, and environmental assessments — and handles lender relationships and origination fees.
What businesses qualify for the program?
Your business must be actively operating with at least two years of financial statements; the property must be valued at $1M or more (or the commercial loan must exceed $750,000); the property must be located in Canada or the United States; and your business must occupy at least 25% of the building.
How long until I own the property outright?
The typical buyout timeline is two to five years. Once your business is stabilized and profitable, you buy out JD Capital's ownership by refinancing at fair market value — determined by an independent third-party appraisal.
What happens at the buyout?
You purchase JD Capital's shares in the jointly owned property company at fair market value. Because it's a share purchase with pre-agreed terms, there are no realtor fees and no transfer taxes — you end up owning 100% of the property.
Which provinces and states does JD Capital work in?
JD Capital works with business owners across Canada and the United States. In Canada this includes Alberta, British Columbia, Ontario, Saskatchewan, Manitoba, Quebec, and the Atlantic provinces; in the U.S. we evaluate opportunities in all 50 states.
Have a question that isn't answered here? Apply for the program — we'll review your situation and be in touch within two business days.
Get Started
Apply for the Program
Tell us about your business and the property you have in mind. We'll review your submission and be in touch within 2 business days.
Application received
Thank you. We'll review your submission and be in touch within two business days.