Canadian small-business advisory
We help Canadian founders and operators write business plans investors and lenders take seriously, build cashflow projections that survive scrutiny, and shortlist the funding programs most likely to say yes.
If we take on your Canada Small Business Financing Program application and it isn't approved, our work is free. Full refund of the engagement retainer — no fine print, no carve-outs for our deliverables.
The only exception is a denial based on your personal circumstances (credit score, net worth, prior history) — which we screen for on the free discovery call before either of us commits.
Core programs we know inside-out
+ advisory on most federal & provincial funding programs — the structure and information they ask for is largely the same.
Services
A 20–30 page document written in plain English, structured the way lenders and investors actually evaluate. Market, model, team, use of funds — no filler, no jargon for jargon's sake.
A 36-month model in a spreadsheet you can drive yourself. Revenue, COGS, opex, hiring, taxes, working capital, scenarios. Numbers that tie out — every time someone asks "where does this come from?"
We shortlist the right capital sources, draft the applications, prep you for lender and investor conversations, and stay in the room through diligence. Government programs, debt, and equity.
Process
Most engagements run on a fixed timeline so you can plan around them. We move faster when capital is time-sensitive — and slower when the answer is "not yet."
A 30-minute call, then a written brief. We confirm scope, fit, and whether you actually need what you think you need.
Week 1We pull your numbers, map the business, and identify which capital sources are realistic — and which are a waste of your time.
Week 1–2Plan and model drafted, reviewed with you, revised once. You own the files; we don't paywall the source spreadsheet.
Week 2–5Applications submitted. Lender and investor calls prepped and attended with you. We stay in the room until decisions land.
Week 5–6+Approach
A business plan isn't a creative writing exercise. A cashflow model isn't a vanity dashboard. They're tools that determine whether someone with money trusts you with theirs.
We've sat on both sides of the table — building businesses from the inside and reviewing files from the outside. The output of an engagement with us looks the way it looks because that's what works when the file lands on a credit adjudicator's desk or a partner's screen at 9pm.
No PowerPoint theatre. No 90-page plans nobody reads. The plan is as short as it can be. The model is as detailed as it must be. The funding shortlist contains only sources we believe you can actually win.
FAQ
We charge a 50% retainer at the start of the engagement, with the balance due on delivery. If your application is denied or revoked because of an issue with the documents we wrote or the information we supplied, you get the full retainer back. We guarantee approval — the only thing outside our control is your personal profile (net worth, credit score, prior history), and we screen for those on the free discovery call before either of us commits.
No. We charge fixed fees. Success-based fees create incentives to push deals that don't fit — we'd rather tell you the truth and keep the engagement clean.
Three: BDC's full product set, the Canada Small Business Financing Program (CSBFP), and Futurpreneur. We can also advise on most other federal and provincial programs — the structure and the information they ask for is largely the same, so the work we do for our core three transfers cleanly.
Yes — and we hand you the editable source files (Word, Excel, Sheets, whatever you use). You should be able to update the model yourself the morning after a board meeting.
We'll tell you on the discovery call. If the right answer is "wait six months and de-risk these three things first," that's what you'll hear. We'd rather have you back when you're ready than take on a file we can't move.
Our specialty is Canadian capital — federal, provincial, regional, and the lenders and investors who operate inside it. We're not the right team for a UK or US raise.
Let's talk
A free 30-minute discovery call — no obligation, no decks, no pitch. It's how both of us figure out which financing routes actually fit your situation. Bring your most recent financials if you have them; bring nothing if you don't.
Replies within one business day. Discovery calls usually booked within a week.
