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Buyer's guide

What to look for in a MIC platform

Canadian MICs have a specific set of operating realities. The platform that runs your fund should reflect them.

2026-05-26· 9 min read·By Mortgage360 research

Cap table + share classes

MICs often have multiple share classes with different fee structures, minimums, and distribution rules. The platform must handle per-class unit pricing, units outstanding, NAV history, and pro-rata ownership computation as first-class concepts — not bolted on.

Specifics to verify:

  • Independent NAV cadence per share class.
  • Per-class fee schedules (management + performance + trailing).
  • DRIP enrollment per holding, not per investor.
  • Audit-grade historical cap-table snapshot at any past date.

Distribution engine

Distribution math is regulator-exposed. Mistakes get caught. The platform should compute pro-rata by share class, apply per-jurisdiction withholding, support DRIP rollover, and produce per-investor distribution statements ready for EFT or wire.

Subscription + accreditation

Subscription wizard quality is the experience most prospective investors see first. A clean, multi-step flow with KYC + accreditation gates, OM acknowledgment, residency declaration, and exemption documentation tells investors you take their relationship seriously.

Tax reporting + T5 / NR4

The platform should generate T5, T5008, and NR4 documents the moment the fund year closes — not 4 weeks later. CRA-ready exports. Per-investor delivery via the portal. Year-over-year comparison for the investor's reference.

Investor experience

The investor portal is one of the most underweighted differentiators when raising the next fund. LPs notice live IRR/TVPI metrics, watermarked data rooms, and tax docs delivered Jan 1. They notice when these are missing and recommend funds accordingly.

FSRA + FINTRAC readiness

FSRA AIR-ready exports, FINTRAC LCTR / STR reporting, annual audit packages, and per-investor evidence trails should be a click — not a project. Ask the vendor to walk you through a real audit response on a real deal.

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