We align story, strategy, and structure to secure corporate financing.

Our fee structure depends on the type of engagement. For full support on turnaround, acquisition, or scaling transactions, we charge a modest monthly retainer during execution plus a success fee of 1-3% of capital raised (depending on complexity), which is rolled into the loan proceeds at closing—you never pay out of pocket. Pre-financing consulting services for targeted deliverables, such as capital planning or structure reviews, are billed hourly. Post-financing engagements for ongoing lender reporting and board guidance are available on a monthly retainer. All fees are transparent and discussed upfront with no hidden costs.

We bring three critical advantages you can't replicate alone. First, we know which of Canada's 400+ lenders will actually fund your specific situation—saving months of declined applications and burned bridges. Second, our relationships create genuine competition for your business, typically resulting in improved pricing by 100-300 basis points and securing more flexible covenants than those achieved through single-lender negotiations. Third, we structure transactions to satisfy lender requirements while protecting your operational flexibility, transforming situations that seem unfundable into closed deals with sustainable terms.

Alternative lending typically ranges from 10-18% annually, reflecting the flexibility these lenders provide when banks can't accommodate your timing or structure. While higher than conventional rates of prime plus 1-3%, this capital enables critical execution when opportunity cost exceeds financing cost. Most businesses successfully refinance to conventional banking within 12-24 months once performance validates the investment, making alternative financing a strategic bridge, not a permanent solution.

If your bank has moved you to special loans, declined your growth financing, or can't meet your acquisition timeline, you're likely facing a structure or timing issue that professional advisory can solve. When the cost of delay—missed revenue, stalled acquisitions, or enforcement risk—exceeds the premium for alternative capital, non-bank financing becomes the strategic choice. Companies that attempt this alone typically spend 3-6 months getting declined before engaging advisors, burning critical time and lender relationships that could have been preserved with proper guidance.

We start with core financial documentation: three years of accountant-prepared financial statements, year-to-date income statement and balance sheet, aged AR/AP reports, equipment and inventory listings, confirmation of tax obligations, and your ownership structure showing all related entities. For owned properties, we'll need available details like appraisals, environmental assessments, or tax assessments. Specific situations require additional documents—turnarounds need bank correspondence and covenant details, acquisitions need the purchase agreement and target financials, scaling needs growth projections and customer contracts. This initial review, delivered within 48 hours under strict confidentiality, determines whether and how we can help.