A restaurant client came to us with a common problem: they’d already committed to purchasing a property for their new business, but between the purchase price and the renovations needed to get it running, the numbers didn’t work. Capital that should’ve gone toward fitting out the space and buying equipment was instead tied up in the property purchase.
We stepped in to restructure the financing. By securing 90% financing on the property through the government-backed CSBFL program, we freed up the client’s own capital for what the client actually needed to get the doors open; renovations and new equipment. Getting there took a comprehensive loan proposal that got ahead of lender concerns, addressed the risks directly and showed clear mitigants so lenders could get comfortable with the deal.
One year in, the results speak for themselves. Operations have been excellent, the client is thrilled with how things have gone, and they’re now looking at expanding into new markets.
It’s a good reminder that the right financing structure doesn’t just get a deal done. It changes what a business can actually afford to invest in from day one.
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