- cheryl.sarnavka@mtgarc.ca
- 519-573-9629
We structure the right solution first — then source the best capital across banks, institutional, and private lenders to get your deal funded smoothly.
We combine strategy, packaging, and access to 50+ lenders to deliver the right financing solution — fast and clear.
Clear options, honest guidance, and a financing strategy built around your goals — not a one-size-fits-all rate quote.
Assess → structure → package → place. We do the upfront work lenders require, so approvals happen faster and with fewer surprises.
Complex files, structured deals, and long-term advisory support — from first approval to future optimization.
Mortgage Agent Level 2 – Broker #12728 Agent #M20000219
Founder & Principal Advisor, Inclusive Lending
Cheryl Sarnavka is the Founder and Principal Advisor of Inclusive Lending, a strategy-first financing advisory platform focused on residential, commercial, development, and structured capital solutions.
With deep experience across institutional, alternative, and private lending markets, Cheryl specializes in complex files, non-standard situations, development projects, and multi-layer financing structures. Her approach goes far beyond rate shopping — she works with clients to design the right capital strategy, structure the file correctly, and source capital from the most appropriate combination of lenders and partners.
Through Inclusive Lending’s access to over 50 lenders, institutional capital sources, and strategic partners across Canada, Cheryl provides clients with solutions that traditional channels often cannot deliver.
Her practice is built on long-term advisory relationships, strategic structuring, and delivering clarity in complex financial situations.
We work with major banks, credit unions, monoline lenders, institutional capital, and private lenders — giving you access to the full market.
Inclusive Lending operates within a senior ecosystem of institutional lenders, capital partners, and advisory firms. While your primary relationship is with Inclusive Lending, your file benefits from deep access to experienced credit, capital markets, and underwriting leadership across Canada.
Mortgage Architects Leadership Team
Bennett Capital Team
We partner with experienced brokers like you who value being a part of well-recognized and established organization. We believe in empowering your success as you help Canadians fulfill their dreams.