Insights

A bank decline is usually a policy decision, not a verdict on your business. Here is how to read the no, what it actually signals and how private credit fills the gap while you keep operating.

Private credit is business lending funded by private capital rather than bank deposits. What that means for Canadian owners, how it is regulated and where it fits next to a bank.

Bridge financing costs more than a bank line and less than losing the deal. This note walks through when a bridge makes sense, what it should cost and how to structure the exit before you sign.

The headline rate is the least useful number in a financing comparison. How to compare a bank line and a private facility on all-in cost, availability and the cost of not closing.

Both lend against receivables and inventory, but they behave very differently when your business is growing fast or having a hard year. A side-by-side look at covenants, availability and reporting.

Government-backed programs and the Business Development Bank of Canada are the right tool for many small businesses. Where they stop, and where private credit picks up.

A generation of Western Canadian owners is retiring. How buyouts get financed when the buyer has the skills but not the equity, and how to structure the vendor's role.