# Arbor Financial

Arbor Financial is an Asset Manager based in Ann Arbor, Canada.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Ann Arbor, Canada
- **Region:** North America
- **Address:** Calgary, Alberta, Canada
- **Founded:** 1997
- **Assets under management:** Undisclosed
- **Website:** https://arborfinancial.com

## Regulatory record

- **CRD number:** 281317
- **SEC file number:** 801-130609
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/281317

## About

Arbor Financial has joined SAX Wealth Advisors, the registered investment advisory arm of SAX Advisory Group. As of December 31, 2025, Arbor Financial is now part of SAX Wealth Advisors. The firm keeps its Ann Arbor office and team, with a continued commitment to long-term, personalized guidance.

## Sectors

- Private Credit
- Real Estate
- Hedge Funds

## People

- Irfan Bhabhrawala — Principal and Wealth Advisor
- Daniella Kippnick — Client Service Associate

## Questions

### How does Arbor Financial generate returns for its investors?

Arbor originates and services mortgage loans secured by Canadian residential and commercial real estate, pooling investor capital into mortgage investment funds. Returns are generated from the interest spread between the mortgage rates charged to borrowers and the payments made to investors. The underlying loans are asset-backed, which provides a layer of principal protection absent from unsecured private credit.

### Does Arbor invest in anything beyond mortgages?

Everything in Arbor's public profile points to mortgage lending as its exclusive focus. There are no public disclosures of equity investments, fund-of-funds commitments, venture capital activity, or operating-company acquisitions. The firm's strategy is singular: originating, pooling, and servicing real estate-secured loans for its investor base.

### How does Arbor source its mortgage pipeline?

Arbor relies on a network of mortgage brokers across Western Canada to originate deals, a model common among private lenders in the region. Brokers submit borrower files that fall outside bank lending criteria, and Arbor's underwriting team evaluates the underlying property collateral and borrower capacity. This broker-driven sourcing model keeps origination costs variable and avoids the fixed overhead of a branch network.

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Last updated: 2026-08-11T15:06:04.815Z

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