Category: Working Capital

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New tariffs are squeezing cash flow for Canadian businesses right now. It’s showing up fast in day-to-day operations.

Margins are tighter, payment terms with suppliers are getting harder to manage, and working capital that used to stretch comfortably is running thin. BDC just responded by expanding its Pivot to Grow program, putting more capital behind helping companies absorb the hit from US tariffs.

The businesses that come through this in the best shape are usually the ones who lined up financing before they needed it, not after. Waiting until cash flow is already stretched limits your options and puts you in a weaker negotiating position with lenders.

We’re seeing a lot of small businesses struggling with working capital needs in this ever changing economic environment. Here at DBLS, we recommend connecting with your lender to see what specific programs they have in place to support your business. If you don’t have a strong relationship or you’re not getting the responses you’re looking for, we’d be more than happy to chat with you and suggest options or opportunities that may help your business.

If tariffs are affecting your margins or your cash position, now is the time to know what’s available, not after it becomes urgent.

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Growth and expansion opportunities were on the table, but a weak working capital position meant saying no, and expensive private debt was straining cash flow even further.

We restructured the balance sheet, built a proposal around a sizable operating line, and moved them off costly private debt onto bank financing.

The result: a new line of credit, private debt replaced, and a business that doubled within a year.

Right capital structure. Real growth unlocked.

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Outgrowing your credit facility is a good problem to have, until it isn’t. As your business grows, so does the amount of capital you need behind it.

But most borrowing bases aren’t reviewed often enough to keep pace. Three things determine how much room you actually have: your assets, your growth rate, and your timing.

• Assets determine what can be pledged and how lenders value it.
• Growth determines whether your facility can keep up with revenue.
• Timing determines whether you’re renegotiating on your terms or scrambling on theirs.

If it’s been a while since your facility was reassessed, it’s worth a conversation before you hit the ceiling.

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