Unpredictable cash flow
You lack visibility into upcoming liquidity needs.
→
Book a call ↗Outsourced CFO for established Quebec SMEs
Strengthen your finances.
Fund your growth.
We help business owners regain control of cash flow, improve lender readiness and secure the right financing — without hiring a full-time CFO.
30 minutes · No obligation · Clear next steps
300+ SMEs supported20 years in banking5.0 Google rating
Do these challenges sound familiar?
Growth is moving forward.
Are your finances keeping pace?
Credit under pressure
Your line of credit is unavailable or insufficient, and lenders do not see the full value of your business.
→Growth is underfunded
Receivables and new projects are absorbing too much working capital.
→Critical decisions fall on you
You are carrying high-stakes financial decisions without senior financial guidance.
→You may not simply need another loan. You need financial leadership that can identify the cause, structure the solution and defend your business with lenders.
See how we help ↓The solution: an outsourced CFO
Financial control.
Without a permanent hire.
Experienced financial leadership embedded in your business, moving you from reaction to control.
- 01Cash-flow leadershipForecasts, working capital and receivables.
- 02Reliable financial informationRatios, margins, budgets and dashboards.
- 03Lender relationsPreparation, presentation and negotiation.
- 04Strategic decisionsExpansion, acquisition and refinancing.
30 minutes · No obligation · Confidential
One partner. The complete path.
Stabilize. Structure.
Finance growth.
⌁
Outsourced CFO
Gain experienced financial leadership for cash flow, margins and critical decisions.
View our process ↓▦
Restructuring
Stabilize liquidity, reorganize obligations and restore a sustainable financial path.
View our process ↓◇
Credit optimization
Strengthen personal and business credit files before approaching new lenders.
View our process ↓⌂
Business financing
Structure and defend your application with banks, BDC, EDC, Investissement Québec and alternative lenders.
View our process ↓Our process
We do not chase a loan.
We build a financeable business.
Identify the cause, regain control, strengthen the structure and reposition the business with the right lenders.
1
DIAGNOSE
Financial statements, debt, credit, ratios and critical risks.
2
STABILIZE
Clear accounting, optimized credit files, interim financing and immediate pressure relief.
3
STRUCTURE
Reliable reporting, margins, governance and a practical action plan.
4
FINANCE
Presentation, negotiation and support through disbursement.
Client cases
Three situations. One method.
Regain control.
Every engagement follows the same logic: understand the barrier, structure the work and create a measurable financial outcome.
CAS 01COMPLETED CASE
$950KTotal financing disbursed
GROWTH · FINANCINGA complete financing structure delivered in two months.
01THE BARRIER
Growth required more liquidity and a lender-ready presentation capable of bringing several financing partners together.
ECC INTERVENTION
- Financial file restructured
- Bank presentation
- Coordination with Investissement Québec
OUTCOME
$150K operating line, $400K bank financing and $400K from Investissement Québec.
Line · 16%Bank · 42%IQ · 42%
CAS 02COMPLETED CASE
$1.2MNew operating line
CONSTRUCTION · RESTRUCTURINGA reorganized company ready to support future growth.
02THE BARRIER
Insufficient credit, $260K in government obligations, deficient accounting and two weakened credit files.
ECC INTERVENTION
- Credit corrected and optimized
- New accounting process
- Obligations and agreements reorganized
OUTCOME
Credible financial information and a $1.2M operating line approved to support operations.
Credit
82/100
Accounting
76/100
Liquidity
88/100
CAS 03ANONYMIZED SIMULATION
$5.8MAnnual revenue
CONSTRUCTION · TURNAROUNDFrom critical cash flow to a structured turnaround plan.
03THE BARRIER
Less than 21 days of liquidity, $1.45M in receivables to accelerate and $1.72M in liabilities and commitments to reorganize.
ECC INTERVENTION
- 13-week cash-flow forecast
- Prioritized turnaround plan
- Roadmap to lender readiness
PROJECTED OUTCOME
Weekly visibility, accounting brought under control and a structure realigned toward future refinancing through a 90-day plan.
1StabilizeDays 0–30
2StructureDays 31–60
3PrepareDays 61–90
Case 03 is an anonymized simulation. Outcomes are projected and may vary depending on circumstances, plan execution and stakeholder cooperation.
Proven experience
Evidence before promises.
Trust earned over time.
Financial ecosystem
Better outcomes require
the right financial partners.
We structure and present files to leading banks, government institutions and alternative financing sources based on the company’s situation and eligibility.
Royal Bank of Canada
National Bank
BMO Bank of Montreal
TD Bank
Scotiabank
CIBC
Desjardins
Business Development Bank of Canada
Investissement Québec
Fonds de solidarité FTQ
Export Development CanadaFrequently asked questions
Before we speak.
Here is what matters.
Clear answers to determine whether our expertise fits your company’s situation and objectives.
01Who are your services designed for?+
We primarily support established SMEs facing growth, restructuring or financial pressure that need more than a simple financing request. Our work is especially relevant when a business must improve its structure, liquidity, credit or lender readiness.
02When should a company call you?+
Typical situations include insufficient working capital, bank financing limits or refusals, excessive debt, tax arrears, weak credit files, rapid growth, multiple loans to consolidate, limited financial visibility or the need for CFO leadership without a permanent hire.
03How does an engagement work?+
We begin with a financial diagnosis, then address structure, liquidity, credit, existing commitments and financing strategy. Once the file is ready, we can present and defend the company with banks, government institutions and alternative lenders.
Diagnosis→Strategy→Restructuring→Financing→Follow-up
04How long does it take to see results?+
Some liquidity solutions can be implemented quickly, while a full restructuring or return to conventional bank financing may require several months. We establish priorities, steps and a realistic timeline at the outset.
05How are your fees determined?+
Fees reflect the nature and complexity of the mandate, the level of support required and the desired outcome. When financing is involved, part of the fee may be tied to the funding obtained. All terms are explained and agreed upon before work begins.
Your next step
Regain control of your financial trajectory.
A clear assessment. A realistic plan. A team that represents your interests.
Book an exploratory call ↗300+ SMEs supported · 20 years of experience · No obligation