Guides

Practical guides: ten for Canadian owners.

Plain-language, specific and written for people running a business, not studying one.

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How to read your bank statements like a funderA funder reads the same statements you do, but looks for different things. Here is what th Seasonal cash flow planning for Canadian businessesCanada's climate makes many businesses seasonal. Planning the gap in advance is cheaper th A funding application checklist for Canadian ownersComplete files move in hours. Incomplete ones move in days. Here is the list.How to compare three funding offersOffers use different words for the same arithmetic. Put them on one line and the right one GST/HST remittances and cash flowSales tax collected is not your money. Treating it as working capital is a common way a go Hiring ahead of revenue without breaking the monthEvery hire is a bet. The way to size it is to fund the ramp, not the salary.When not to take an advanceA good advisor says when a product is the wrong tool. These are the situations where an ad Understanding your average daily balanceIt is the quiet number that decides many reviews. Here is how it is built and how to impro How to explain a bad month to a funderEveryone has one. The difference is whether it is explained.Funding a second location: a practical guideA second location is a new business with an old name. Treat it that way.

Reading order

If you are early in the process, start with the checklist and the guide on reading bank statements. If you already have offers, go to comparing three offers. If you are worried about a specific issue such as a slow month, the guide on explaining a bad month is short and practical. The guides are written to be read in ten minutes and used the same day.

Common questions

Who writes these?

They are written by a funding marketplace for owners, and reviewed regularly.

Are they legal or tax advice?

No. They are educational.

Keep reading

Canada funding hubMerchant cash advance and revenue-based funding for Canadian businesses GlossaryPlain-language definitions ComparisonsAdvance vs loan, line, factoring and more

Educational information only. It is not legal, tax or accounting advice.

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