TORONTO, ONTARIO — Following the release of its recent industry-shifting report, Beyond the Bank: Americans Turn to Creative Financing Amid Housing Affordability Crisis, GTFSolutions has experienced a 38% increase in U.S. client onboarding in just the first quarter of 2025.
This growth underscores the rising momentum behind non-traditional housing finance as Americans continue to navigate the dual burden of rising home prices and increasingly rigid bank lending standards.
From self-employed buyers to real estate developers and mortgage brokers, GTFSolutions is recognized as a trusted provider of flexible, strategic alternatives to traditional mortgage financing, especially in states where affordability gaps are widening the fastest.
“This response has validated what we’ve long predicted—Americans want options,” said Alexander Jean-Baptiste, CEO of GTFSolutions. “They’re tired of being denied by legacy institutions for reasons that have nothing to do with their actual ability to pay.”
Post-Launch Impact: Record Inquiries, Fast Closings
Since the publication of its March 2025 press release, GTFSolutions has:
- Fielded more than 1,200 new inquiries from U.S. homebuyers, brokers, and developers
- Approved USD 51 million in creative housing finance instruments across 11 states
- Increased its active partnerships with real estate agents and brokers by 22%, with most new demand coming from Florida, Texas, and California
- Helped facilitate 71 successful home closings using conditional approval letters, private credit facilities, or bridge loan structures
One of the most in-demand tools has been the Standby Letter of Credit (SBLC)—a financial guarantee that allows buyers to back their offer and win deals even when facing cash buyers or multiple bids.
“Our SBLC product has been a game-changer for clients trying to compete in overheated markets,” said Sophia Brar, CFO of GTFSolutions. “It transforms their offer from ‘maybe’ to ‘certainty’—and that’s what sellers want.”
Case Study: Securing a Home in a Bidding War
In Los Angeles, California, Arjun and Felicia Navarro, freelancers in the digital design industry, were continually outbid despite offering above the asking price. They lacked traditional W-2 income and had been repeatedly dismissed by mortgage lenders.
With GTFSolutions, the couple secured a private credit line based on their rolling contracts and income projections, paired with an SBLC and a conditional approval letter. The package won over a skeptical seller, and the Navarros closed on their home within three weeks.
“GTFS believed in our numbers—even when banks didn’t,” said Felicia. “They helped us present a complete, credible offer that finally made us homeowners.”
Agent and Broker Partnerships Are Expanding
Real estate agents and mortgage brokers increasingly rely on GTFSolutions to secure deals that might otherwise collapse under the weight of financing delays or rejections. Through GTFS’s broker toolkit, agents can offer clients:
- Pre-qualified conditional approval letters
- Bridge financing documentation for quick offers
- SBLC-backed purchase proposals
- Compliance-cleared private credit lines for non-traditional buyers
“We’re not just helping buyers,” said Willard Dunne, Head of Operations. “We’re helping agents and developers close deals faster, with fewer surprises. That’s why more professionals are integrating GTFS tools into their everyday operations.”
GTFSolutions reports that agent-referred applications accounted for 46% of all new housing inquiries in Q1 2025.
Developers and Builders Seek Completion Bonds
The uptick in creative finance isn’t limited to individual homebuyers. Real estate developers and REITS increasingly work with GTFS to secure completion bonds, bridge construction funding, and unlock institutional investment capital. These services are especially critical for projects in early-stage development or those awaiting pre-sales.
In Q1 2025, GTFSolutions:
- Issued $17 million in developer guarantees and bond-backed financing
- Provided funding support to seven new housing projects in Nevada, Arizona, and Texas
- Helped one Texas-based builder unlock a $5 million funding tranche using GTFS-issued bond guarantees
Compliance, Speed, and Trust Remain Pillars of Growth
GTFSolutions’ expansion continues to be grounded in regulatory compliance, international finance standards, and a commitment to service excellence. The firm’s financial tools meet Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations, and all instruments are backed by credible institutions and partners.
“Our solutions are not just fast—they’re compliant, transparent, and built to last,” said Linda Martinez, Legal Advisor. “U.S. clients feel confident working with us, even across borders.”
GTFSolutions U.S. Expansion Update
In response to rising demand, GTFSolutions is finalizing plans to open its first U.S.-based office in Austin, Texas, which is expected to launch in Q4 2025. The office will offer localized support for clients across the Sun Belt, including Arizona, Florida, Nevada, and Georgia.
Future regional expansions are being explored for New York, Illinois, and Washington State, where housing finance accessibility is a growing issue among millennial and Gen Z buyers.
“We’re not just a financing company—we’re a movement,” said Jean-Baptiste. “Homeownership is achievable for far more people than the banks allow. We’re here to make that happen.”
About GTFSolutions
GTFSolutions is a Toronto-based private financial services firm specializing in alternative financing, including bridge loans, SBLCS, conditional approvals, private credit lines, and developer solutions. With more than 115 years of combined experience, GTFS supports clients in real estate, infrastructure, and high-value investment transactions across North America and globally.
Media Inquiries:
Email: info@gtfsolutions.ca
Phone: 1-888-305-9992
Website: www.gtfsolutions.ca