So for somebody who's never heard of private lending, Mark, what exactly is Castleton Mortgages and what do you guys do?

Sure, glad to share a bit, and I find it helps demystify a lot of the uncertainty around private lending.

So just about us, we've been around in business in Quebec since 1999, so we're in our 27th year.

So over that time, we've helped over 5,000, 6,000 clients, you know, in tough situations.

In simplest terms, a private lender will lend money secured by a property when either a bank can't move fast enough or the case does not fit the exact pigeonhole of the bank or the borrower situation.

So the real estate might be a house, a duplex, a triplex, land, all sorts of real estate.

You know, banks are very formula driven, right? Credit scores, ratios, employment history, tax returns.

Who typically comes to you? What kind of borrower needs a private lender like Castleton instead of going to the bank?