Financing & strategy
for PEI businesses.

A range tells you nothing, so here is a worked example: a $400K equipment financing package runs $3,000. Bigger or more complex deals cost more, smaller ones cost less.

What the $3,000 covers

• Your statements, organized the way a lender reads them
• The projections
• The application
• Support through to the decision

Here is the scale of that number. A lender’s own fee on a $400K loan is typically around half a point, about $2,000, to lend you the money. Ours is under one point to build the file they say yes to. It is charged once, it is fixed, and we take nothing out of the financing. For comparison, the Canada Small Business Financing Program’s registration fee alone is 2%, which is $8,000 on the same loan (ISED, CSBFP FAQ). The percentages are only there for scale. Our fee is a fixed number of dollars, agreed before anything starts.

What you are buying is not better odds with the lender. It is a file that asks for the right amount and explains it, and a set of terms and conditions somebody read before you signed them. We don’t lend, we don’t broker, and we take no cut of the financing. Compiled or reviewed statements, when a lender requires them, come from your CPA.

• Business plan for financing

  from $1,500

  The full plan and projections a lender needs to say yes — written by someone who spent nine years reading them from the lending side.

• Lender Prep Package

  from $1,250

  Your file built and checked the way the credit desk will read it.

  What’s included

  Your statements, organized the way a lender reads them. A 12-month forecast, and support through the application. Compiled or reviewed statements, when a lender requires them, come from your CPA. It also checks the three numbers a lender looks at first: whether your cash flow covers your loan payments, whether you can pay this year’s bills, and how much you have borrowed against what you own. Controller clients get one Lender Prep Package every twelve months at no charge.

• Declined? The Review

  $950 flat

  What killed the application, and the path to a yes. One time, delivered in five business days. If you go on to have us build your re-application, the full $950 comes off the Lender Prep Package or the financing package we build for it.

• Bank review prep

  from $750

  Covenants are the promises about your numbers that the loan agreement makes you keep. We check them, and the ratios behind them, before your lender does, and give you a straight answer on the ones that are drifting.

• Debt restructuring review

  from $1,500

  Is your current lending costing more than it should? We read the rates, the terms and the security (what the loan is secured against) against what your file would carry today. It is a review, not a refinancing project. If the work runs past that, we say so and quote it separately.

• Annual Goal-Setting Session

  Not sold separately

  Comes with Monthly Books Plus ($1,200 a month) and the Controller ($2,450 a month). One working session, one page: this year’s targets set, then a short check-in each quarter.

  What’s included

  Last year read honestly, then targets for revenue, margin and owner’s pay. A short check-in each quarter on how the year is tracking. Included with Monthly Books Plus and with the Controller.

A flat number beats an hourly rate you can’t forecast and a broker percentage that grows with the loan.

• You’ve got a specific financing goal with a deadline.
• You were declined and need to know why — and what next.
• You’re preparing for a bank review or a big application.
• You want one job done, not an ongoing plan.

If you would rather have someone keeping the books right and watching the numbers every month, that’s Monthly Bookkeeping. Not sure which you need? Start with the free Books Checkup.

1. 01

   Scope call

   We agree what you’ll get, when, and for how much — and what’s not included.

2. 02

   Fixed quote

   One number against the outcome, in writing.

3. 03

   Delivery

   The work, done on time. Every financing document carries the standard advisory note.

4. 04

   The hand-off

   The finished work, the final invoice — and your Bankability Plan.