Services
Lenders and investors decide on the quality of the information in front of them. We prepare complete, well-organized financing submissions that present your business's financial position accurately and make a clear case for the funding you are requesting.
What we do
- Assessment of financing options, including term loans, lines of credit, equipment financing and government-backed programs such as the Canada Small Business Financing Program.
- Preparation of financial statements, projections and cash flow forecasts in the format lenders expect.
- Development of the business plan narrative and the use-of-funds schedule.
- Calculation of debt service coverage and the other ratios a lender will review.
- Coordination of supporting documentation so that the submission is complete when it is delivered.
- Review of loan terms and covenants, so that you understand your obligations before you sign.
Who this is for
Business owners seeking to start, expand or refinance, and those preparing for a conversation with a bank, a credit union or a government-backed lending program. We also work with owners who have had a prior application declined and want to understand why and how to strengthen their next submission. Approval remains the decision of the lender; our role is to prepare an accurate and complete submission.
What to bring
Recent financial statements for the last two or three years, corporate and personal tax returns with notices of assessment, corporate records including the minute book, a description of the purpose and amount of the financing, and any quotes, contracts or agreements that relate to the purchase. If a prior application was declined, bring the lender's response.
Getting started
Contact us with a brief description of what you need and the tax years or filing period involved. We will review your enquiry and confirm whether we can assist, the scope of work, and the information required to begin. All new engagements start with a consultation to ensure that the work is properly understood before preparation begins. There is no obligation and no charge for the initial conversation. If we proceed, we will set out the scope and the fee in writing before any work begins. We accept new clients throughout the year and are not restricted to filing season. If a deadline is approaching, please note it when you contact us and we will prioritize accordingly.
Speak with us about your accounting and tax requirements.
Tell us what you need and we will respond with the next steps and the information required to begin.