Tembo talks a lot about how fast it moves and how flexible it is. We wanted to explain. A real scenario, our past clients — Susana and Simon — because it shows the deposit loan doing exactly what it’s built to do.
Susana and Simon came to Tembo in April 2025. They were in the process of selling their home, and they’d found their next place — a property they fell in love with. To make their offer real, they needed to put a deposit down.
Here’s the problem. All of their equity was tied up in the home they were still selling. On paper, they were in great shape — solid equity, a home in a good market. But in their bank account? Not enough liquid cash to write the deposit cheque. House rich, cash poor. A familiar story.
A bank couldn’t move fast enough to provide a line of credit. By the time traditional financing could work its way through, the home they wanted would be long gone. And waiting for their own sale to close wasn’t an option either — the deposit was due with their offer.
This is the exact gap that traps so many solid A clients. The money is there. The timing isn’t. And no deposit means a missed opportunity for putting in an offer on a home they loved.
Tembo looked at the deal. The equity was there, the sale was already in motion — that’s the kind of file Tembo says yes to. The team advanced Susana and Simon the deposit funds they needed within 48 hours.
No income verification. No monthly payments.* They didn’t have to jump through hoops or wait weeks for an answer. They were approved within an hour and had paperwork to review that afternoon. They got the funds within 48 hours, secured their next home, and kept the whole move on track.
Once their original home was sold, Tembo was repaid directly from the proceeds of the sale. Clean and simple. Susana and Simon moved into the home they wanted, on the timeline they needed, without the stress of a financing scramble.
For the broker on this file, it was a win on every front — a happy client, a deal that closed, and a perfect opportunity for the purchase financing on the new home.
Susana and Simon aren’t unusual. They’re the rule, not the exception. Consider a typical broker’s pipeline:
These are the house rich, cash poor clients. These are often A+ clients who are eligible for bank financing for their next purchase. They just need someone who can unlock their equity fast and keep them moving forward.
Got a client who looks like Susana and Simon? Don’t let the timing kill the deal. Call Tembo Financial at 416-238-6717 or visit www.tembofinancial.com to get them funded.