Serving clients in every province & territory โ— Federal & provincial programs
Canada-Wide ยท Federal & Provincial Programs

Business plans that get you funded, approved and moving โ€” for financing, grants & immigration.

One portal for every business plan you will ever need in Canada: bank and government-guaranteed loans, grants and subsidies, investor raises, and entrepreneur immigration โ€” each plan built to the exact standard the reviewing institution expects.

100% customized โ€” we never use templates Lender-grade 5-year financial models Program-specific compliance All provinces & territories
What we prepare

One plan. Four destinations. Every program.

A business plan is only as good as the institution that approves it. We build each plan around the criteria of the specific lender, funding program, or immigration stream it is going to.

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Financing & Loans

Bank-ready plans for CSBFP government-guaranteed loans (up to $1.15M), BDC, banks, credit unions, equipment financing and private lending โ€” with DSCR and sensitivity analysis built in.

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Grants & Subsidies

Application-ready plans and budgets for federal and provincial grants, wage subsidies, hiring and training incentives, export funding and innovation programs.

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Immigration Plans

IRCC- and PNP-compliant plans for provincial entrepreneur streams, C11 entrepreneur work permits, intra-company transfers and the new federal entrepreneur pathways.

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Investors & Strategy

Investor-ready plans, feasibility studies and pitch documents with valuation logic, NPV/IRR, break-even and scenario testing that stand up to due diligence.

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Why plans get rejected

Most business plans fail because they ignore the reviewer's checklist. Ours are built from it.

A bank credit officer, a grant adjudicator and a provincial nominee program officer each read a business plan differently. A generic template satisfies none of them. Every plan we prepare starts from the actual assessment criteria of the target program โ€” the ratios the lender must see, the eligible costs the grant will fund, the job-creation and investment thresholds the immigration stream requires.

  • Full 5-year three-statement financial model โ€” income statement, balance sheet and cash flow that actually tie together
  • Debt service coverage (DSCR), break-even, NPV/IRR and sensitivity testing where lenders and investors expect them
  • Program-mapped narrative โ€” every eligibility criterion answered, in the order reviewers assess it
  • Realistic, defensible market data with cited sources โ€” no filler statistics
  • Prepared under the supervision of a Canadian accounting, tax & financial advisory practice

Built to the standard of the reviewer.

  • Banks & credit unions โ€” credit committee format, security and covenant discussion
  • CSBFP lenders โ€” eligible asset classes and loan structuring under the Canada Small Business Financing Act
  • BDC, EDC & Futurpreneur โ€” program-specific templates and ratios
  • Grant adjudicators โ€” eligible costs, outcomes and reporting frameworks
  • IRCC & PNP officers โ€” investment, ownership and job-creation compliance
  • Investors โ€” due-diligence-grade assumptions and valuation logic
Our promise

We do not use templates. Every plan is built after we understand your project โ€” and its purpose.

Two restaurants on the same street can need completely different plans: one is applying for a CSBFP loan, the other for a PNP entrepreneur stream. Same industry, different reviewer, different tests, different plan. That's why nothing we deliver is recycled โ€” the structure, research, narrative and financial model are all built from your project.

  • Understand first. We start with your questionnaire and a conversation โ€” what the business is, and exactly what the plan must achieve.
  • Research second. Your market, your city, your competitors, and the current rules of your specific program.
  • Build third. A plan and financial model created for your project โ€” numbers traceable to your quotes, your lease, your wages.

How you can tell a template plan.

  • Market data about "Canada" instead of your city and trade area
  • Round-number projections with no visible assumptions
  • The same stock phrases reviewers have read a hundred times
  • Financials that don't match the quotes and lease in your file
  • No mention of your program's specific criteria

Reviewers spot these instantly โ€” and template plans are a leading cause of refusals and declines. It's the reason we start every engagement with the client questionnaire.

How it works

From first call to final plan in four steps

1

Free consultation

We identify your goal โ€” loan, grant, investor or immigration stream โ€” and confirm which programs you can realistically qualify for before any work begins.

2

Discovery & data

A structured questionnaire and document checklist captures your business model, financials, market and team. We fill the gaps with our own research.

3

Plan & financial model

We draft the full plan and build the 5-year financial model, mapped section-by-section to the target program's assessment criteria.

4

Review & delivery

You review a complete draft, we refine it with you, and you receive a submission-ready plan in Word and PDF โ€” with revisions included.

Who we serve

Startups, established businesses and newcomers to Canada

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Startups & first-time owners

Launching a restaurant, trades company, clinic, franchise, trucking firm or e-commerce brand โ€” and need financing or startup funding to make it real.

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Growing & established businesses

Expanding, acquiring, buying equipment or premises, restructuring debt, or applying for grants, subsidies and export programs.

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Entrepreneur immigrants

Applying under a provincial nominee entrepreneur stream, a C11 work permit, an intra-company transfer, or preparing for the new federal entrepreneur pathways.

Industries

Industries we plan for every week

Different industries face different reviewer questions โ€” food-safety approvals, fleet insurance, clinical licensing, franchise disclosure. We build those specifics into the plan.

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Restaurants & food

Restaurants, cafรฉs, food trucks, catering, food processing โ€” seat-count revenue builds, food cost and labour modelling.

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Trucking & logistics

Long-haul, drayage, courier and warehousing โ€” per-truck economics, fuel, insurance and driver costs.

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Construction & trades

GCs, framing, electrical, plumbing, landscaping โ€” WIP cash-flow, bonding and equipment financing cases.

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Retail & franchises

Convenience, gas stations, liquor, franchise units โ€” inventory turns, franchisor pro-formas and lender packages.

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Health & care

Clinics, pharmacies, dental, home care, childcare โ€” licensing pathways and staffing-ratio economics.

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Tech & e-commerce

SaaS, marketplaces, D2C brands โ€” unit economics, CAC/LTV and investor-grade growth assumptions.

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Agriculture & agri-food

Farms, greenhouses, processors โ€” seasonality, quota and CALA/FCC financing structures.

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Services & manufacturing

Salons, cleaning, auto repair, fabrication, import/export โ€” and everything in between.

Tell us what you're applying for. We'll tell you exactly what the plan needs.

Free, no-obligation consultation โ€” including a frank assessment of program eligibility.