Financing

Commercial financing

Get the capital stack right — before the bank sees the file.

Most financing applications fail before they’re ever submitted: wrong structure, weak packaging, or a lender that was never the right fit. I fix that first.

I’m an ex-banker — 7+ years across TD, Scotiabank, Tangerine, and Questrade — and commercial financing is my specialty. I structure and pre-position funding applications for businesses valued $500K–$25M across Canada and the US, so lenders say yes faster.

What I structure

• CSBFL loans — my specialty. Canada Small Business Financing Loans, structured to clear on the first submission.
• Bank term debt & BDC — senior debt for acquisitions, expansions, and buyouts.
• Acquisition financing — full capital stacks: senior debt, vendor take-backs, and equity, layered for approval.
• Working capital & operating lines — cash-flow loans, asset-based lending, and revolvers through transition and growth.
• Commercial mortgages — for owner-occupied and business-related properties.

Who this is for

• Buyers financing an acquisition
• Owners funding expansion, buyouts, or shareholder transitions
• Businesses that were declined and need a second, better-structured attempt

How it works

1. Financeability review — I stress-test your file the way a lender will: cash flow, debt-service coverage, collateral, and structure.
2. Structure & packaging — the right capital stack, presented the way banks read a file.
3. Lender matching — the right lender for your industry and deal size. Never a blast application.
4. Through funding — conditions, diligence, and close, managed to funding day.

Estimate your payments

Use the calculator below for a quick estimate of loan structure and repayment.

Talk through your funding need

Every file is different. Book a 30-minute call and I’ll give you a straight read on your financeability.