08/25/2026
Sometimes, one client doesn't bring you one deal.
They bring you something much more valuable:
Their trust.
A few weeks ago, a gentleman who owns a truck & trailer welding shop came to us looking for business financing.
He wasn't looking for just money.
He specifically needed a Business Line of Credit — something he could access when the business needed it and pay down when it didn't.
We worked the file and received multiple offers.
$30,000.
$35,000.
They were decent loan approvals.
But they weren't what he asked us for.
It would have been easy to say:
"This is what's available. Take it or leave it."
But that's not how we want to do business.
So we kept working.
Another lender. Another conversation. Another attempt.
About a week later, through Vancouver Finance Company Inc., we finally secured him a $15,000 Business Line of Credit.
It wasn't the biggest approval.
But it was the right approval.
And sometimes, that's what matters most.
The client was incredibly appreciative and told us:
“Raj, I’m going to recommend you to my friends and family.”
It's something clients say from time to time.
But this gentleman meant it.
Within a week, my phone rang.
He had referred one of his longtime trucking clients.
This time, the need wasn't business financing.
It was a mortgage.
And when someone sends a person they have known and worked with for years to you, there's a different kind of responsibility attached to that introduction.
They are putting their own name behind yours.
So now it was time for:
Raj Bathla × 8Twelve Mortgage Corp.
The new client owned a home in Bradford, Ontario, with substantial equity.
But the file wasn't easy.
Credit score: 535.
Self-employed.
Little to no NOA income.
And most importantly:
He didn't want a private second mortgage.
He wanted a Home Equity Line of Credit.
We received private mortgage options.
Then more private options.
There were plenty of lenders willing to lend against the equity.
But again, I kept coming back to the same thought:
That's not what the client asked me for.
So we kept going.
For almost two weeks, we searched, discussed the file with lenders and negotiated.
Eventually, we found a lender in Ontario willing to look at the story behind the numbers.
And we got it done.
$120,000 HELOC
Brantford, Ontario
9.99% Rate
But this story isn't really about the $120,000.
It's about what happened before it.
One business owner trusted us with his financing.
We listened to what he actually needed.
That earned his trust.
He then trusted us enough to put our name in front of someone important to him.
And that trust became another relationship.
The second client was extremely busy with his personal life, so we also helped coordinate the moving pieces — home insurance, lawyers, lender requirements and closing.
Because sometimes clients don't need another person telling them what document is missing.
They need someone willing to carry a little bit of the weight with them.
That's the part of this business I love.
Approvals are great.
Closings are great.
But when a client finishes working with you and thinks:
“I want my friends and family to deal with this person too.”
That's different.
That's how a business is built.
One client.
One promise kept.
One referral.
One more family helped.
Treat your clients like family, work for what they actually need, and take care of the relationship.
The rest has a funny way of following.
Raj Bathla × 8Twelve Mortgage Corp.
Mortgage Financing
Raj Bathla x Vancouver Finance Company Inc.
Business Financing
