A strategic vision.
At JFM Capital, we combine the rigor of a major institution with the agility of a family business.
Founded by Jean-François Moreau, a former CMHC executive, our firm draws on 50 years of experience, strong values, and a single mission: to provide developers with strategic, profitable guidance deeply committed to the success of their projects.
We are independent, 100% Québec-based, and always accessible.
Each project is unique. Every financial decision requires careful thought.
And every client deserves a partner who speaks their language — and truly understands their reality.
At JFM Capital, we don’t stop at the numbers.
We take the time to understand the project, the market, the developer’s goals… and the blind spots.
Our approach is built on five pillars:
Every project begins with a conversation. We want to know it all: ambitions, constraints, timelines, partners.
We dig into the details. Is the financing structure truly optimal? Which decisions will strengthen long-term returns?
We don’t say what you want to hear. We say what you need to know. With honesty, rigor… and experience.
From the first call through to fund disbursement (and beyond), we are by your side. Responsive, accessible, dedicated.
We are not after a single transaction. We build lasting relationships. Because your success today drives your success tomorrow.
You gain a strategic partner who thinks with you — and at times, for you.
At JFM Capital, you deal directly with experts who understand your realities.
Our team is composed of committed, accessible strategists.
A recognized expert in Québec. With 50 years of experience — 27 of them at CMHC — he understands the mechanics of financing better than anyone. Strategic vision, steadfast discipline.
A hands-on strategist, close to clients and projects. He turns challenges into concrete solutions. Strong, fast, committed.
Attentive to developers, he builds lasting and dynamic relationships. He has an eye for spotting potential… and blind spots.