About Us
RFA Financial is a scaled and dynamic financial services platform, uniquely positioned at the intersection of banking, mortgage origination, and real estate. Our goal is to build a structurally advantaged platform that pairs growth opportunities with capital to generate meaningful appreciation and long-term, sustainable value for our shareholders.
RFA Financial’s common shares trade on the Toronto Stock Exchange under the symbol RFA, while the company’s Series E and Series I preferred shares trade under the symbols RFA.PR.E and RFA.PR.I, respectively.
Our Businesses
RFA Financial offers a diversified suite of financial services supporting Canadians in achieving their financial goals, combined with the stability of a proven real estate platform. Our integrated structure offers stable cash flows, multiple avenues for growth, and an attractive dividend within Canada’s growing financial services sector.
Our business is anchored by RFA Bank of Canada, a federally regulated Schedule I bank specializing in alternative mortgage lending. Complementing the bank is RFA Mortgage Corporation, a leading originator of prime mortgages. Combined, RFA Bank of Canada and RFA Mortgage Corporation provide mortgage brokers with a comprehensive, one‑stop platform offering a full array of competitive products to support Canadians at every stage of their financial journey.
RFA Asset Management owns and manages high-quality commercial real estate portfolio spanning major markets across Canada and the United States. The portfolio provides stable cash flow and the ability to drive long-term value through targeted capital rotation into higher-returning opportunities within the financial services platform.
This unique, integrated platform enables RFA Financial to generate meaningful long-term value with significant scale, access to capital, and the flexibility to pursue organic and strategic growth opportunities across market cycles.
A New Standard in Canadian Financial Services
RFA Financial is a dynamic, bank-led platform with:
- Robust earnings growth potential and available liquidity.
- The ability to redeploy capital from real estate into higher-returning financial services businesses, driving shareholder value.
- A seasoned leadership team blending public market real estate expertise with private market banking and lending experience.
- Enhanced scale and diversification, supporting sustainable dividends and long-term value creation for shareholders.
What Sets Us Apart
RFA Financial’s success is driven by:
- Relationships that foster shared goals and values.
- Performance that earns lasting trust.
- Entrepreneurial mindset that drives growth and builds value.
- Accountability through disciplined governance and risk management.
Bringing Together Two Strong Companies
RFA Capital was founded in 1996 as a Canadian-owned real estate investment firm and asset management firm. Over the past thirty years, RFA Capital has built a track record of success across real estate and debt financing in a wide array of property types.
In 2018, RFA Capital expanded into the residential lending market with the goal of becoming a top broker channel lender. The acquisition of Street Capital Bank in 2019 accelerated RFA’s expansion to become a leader in both the prime and alternative lending segments. In 2024, RFA Capital expanded its global footprint through the acquisition of Five Continents Financial Limited, leading wealth and investment management company in the Cayman Islands.
On February 1, 2026, RFA Capital Inc. and Artis Real Estate Investment Trust combined to form RFA Financial, a unique public company that combines a growing Canadian bank and mortgage finance company with a proven real estate platform.
RFA Financial benefits from the expertise and extensive experience of both leadership teams, combining the significant real estate knowledge and public market expertise with experienced private market operators, who have a successful track record of prudent capital allocation. The management team includes a deep bench of seasoned executives providing continuity as we advance our shared vision.
Learn more
Learn more about our other businesses at the links below:
