About us

Ramon Forgiel

Starting in the technical field, solving real life problems in International positions from R&D to Account Manager and in industries from fibre optics, high tech and automotive, developed superior analytic skills.

Have been drawn to the finance field to make use of these skills to develop solutions for business and any level of real estate deal.

The banks make lending decisions based entirely on objective criteria under which increasingly few borrowers can qualify. We, on behalf of our lenders look at both the objective and subjective side of the deal. We need to make sure the property and the borrower's assets will keep the loan secure, determine if the client will do what they say they will do and if they have the intent to pay back the loan. Our philosophy in business is to help people, not just turn them over in a transaction. We call this business sutra.

We are local but with our associations and licensed under Cirrius Finance Corp., are capable of acting internationally.

Having my own portfolio of real estate and private mortgages, I will understand your goals and concerns. 


Cirrius Finance Corp.

Cirrius Finance Corp. is a boutique mortgage brokerage and business finance consulting firm created in 2006. The founder and chief belief officer is Joseph Filice, who has had 25 years╩╝ experience creating alternative financing solutions for over 2000 customers the banks could not fit into their lending criteria. With access to unlimited private funds from the savviest investors across North America, who have been through all market cycles, we create flexible\creative options.

Cirrius Finance Corp. provides competitive results for investors, developers, and owner-occupants. Given our extensive experience, we offer direct expertise for each situation and transaction, whether you need financing to buy a personal home or you have commercial project needs, such as financing existing properties, construction, development, or community redevelopment. We are uniquely backed by dedicated asset management solutions designed to advance effectiveness for those needing creative financing solutions.

We have solutions in Southwestern Ontario, US and Internationally

Local Private Mortgages - Southwestern Ontario & Western NY

 The majority of our private lending has been in Hamilton, Brantford, KWC (Kitchener, Waterloo, Cambridge), GTA as well as select Eastern Ontario locations.  We would consider our neighbours in Western New York state to be a part of the golden horseshoe area and we are happy to meet with you.


Cirrius Finance Corp. has representation in California. We have looked at large projects in Florida and Arizona.

We have credit enhancement programs for large projects, which would apply to any location.