Capital strategy without the guesswork

Get a rolling 13-week cash forecast, live DSCR tracking, and borrowing-base visibility so you always know liquidity and covenant headroom - no surprises.  
We turn that into an actionable capital plan and lender-ready packages, including SR&ED bridge prep and access to government-backed programs like the Canada Small Business Financing Program. 


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Financing we work with

Operating line of credit / ABL:  calculate and monitor the  borrowing base  on eligible A/R and inventory so availability stays predictable.

Government-backed lending (Canada):  assess eligibility and prepare materials alongside your bank (e.g., CSBFP).

SR&ED bridge:  map expected ITC refunds and prepare lender packages; we don’t sell financing—we prepare you to use it prudently.

Term loans & equipment financing:  size tenor and amortization to cash generation and asset life; model covenants and headroom.

Non-dilutive + dilutive capital:  decide when debt, grants/credits, or equity makes sense given runway and risk.

What we deliver

Cash discipline:  13-week rolling cash flow, budget vs actuals, and scenario planning (base/downside/upside).

Lender-ready reporting:  covenant tracking (DSCR, current/working-capital ratio, leverage), borrowing-base certificates for A/R & inventory, and monthly CFO packs.

Capital access:  packaging for SR&ED bridge, government-backed lending, term loans, operating lines, equipment financing, and—when appropriate—venture debt.

Board-level visibility:  concise dashboards and decision memos that align priorities, spending, and risk.

Onboarding

first 90 days

  • Days 0–15:  finance intake, data room, debt agreements, grant/credit history, AR/AP aging, inventory reports, bank access, payroll.

  • Days 15–30:  first 13-week cash model; interim borrowing-base; covenant baseline; capital options memo.

  • Days 30–60:  lender/partner packet (exec summary, financials, projections, covenants, use of funds); grant/credit map; KPI dashboards.

  • Days 60–90:  finalize budget, set close cadence, institute monthly CFO pack; agree capital plan (apply, renew, or defer).

Core models

Reporting

  • 3-week cash flow (weekly updates) and a 12-month operating plan (quarterly refresh)

  • Covenant tracker with early-warning flags and actions

  • Borrowing-base roll-forward with AR aging, inventory roll, and reserves

  • Grants/credits calendar tied to cash-timing expectations