Eight guides to Canadian commercial financing.
Each guide covers one question that shows up before a financing mandate does. They are written for owners and for the accountants and lawyers who send us deals.
- Guides
- 8
- Written for
- Owners and advisors
- Cost
- Free, no sign up
The Canada Small Business Financing Program, explained properly
What is the Canada Small Business Financing Program and what can it actually pay for?
The CSBFP caps, sub limits, eligible costs, rate ceilings and fee, and why the headline $500,000 is not $500,000 of spendable cash.
Read the guideWhat a merchant cash advance actually costs in Canada
How much does a merchant cash advance really cost?
How a factor rate becomes an effective annual cost, what a daily remittance does to it, where the legal ceiling sits, and how to read an offer.
Read the guideWorking capital financing in Canada
What is the best way to fund a cash flow gap in a Canadian business?
Lines of credit, asset based facilities, factoring and revenue based advances compared on cost, speed, size and what each one actually requires.
Read the guideEquipment sale and leaseback in Canada
Can I get cash out of equipment I already own?
How a sale and leaseback turns owned equipment into cash without stopping work, what it costs, what it is worth, and when it is the wrong idea.
Read the guideHow much can a business borrow against its revenue
How much can I borrow if my business does $1,000,000 a year?
What a Canadian business can raise against annual gross income, why one unsecured facility caps near ten to thirty percent, and what moves it higher.
Read the guideHow to prepare a business financing package
How do I put together a financing package a lender will actually read?
The structure of a lender ready package: the request, sources and uses, the repayment logic, the security, and the objections to answer first.
Read the guideWhy profitable businesses still get declined
Why did my business get declined for a loan when we are profitable?
The five reasons a lender declines a genuinely healthy business, how to tell which applies to you, and what to change before the next application.
Read the guideThe document checklist for a Canadian commercial loan
What documents do I need for a business loan in Canada?
Every document a Canadian lender asks for on a commercial request, what each one is used for, and the order to assemble them in.
Read the guide
Reading is cheaper than applying twice.
Four questions will tell you more about your own file than another hour of reading.
No lender hears your name until you say so.
A request emailed to twenty lenders leaves twenty records. The next one to see it reads the declines before they read the deal, and a file that looks shopped is priced as one. So the list is built with you, approved by you in writing, and nothing leaves this office before that.
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- 416-841-8468
- Hours
- Weekdays, Toronto time