Fund day-to-day operations
Payroll, inventory, purchases and new contracts: define your funding needs and repayment capacity.
- Working-capital loans
- Operating lines of credit
- Alternative financing options
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Strengthen your finances.
Fund your growth.
Operating a business in the United States? We assess your cash-flow needs and prepare your financing file around your business, state and the relevant lender criteria.
Tell us about your business · Initial review · Personalized follow-up
350+ Businesses supported25+ years in banking5.0 Google rating
ECC USA
Working capital for your business.
Financing that fits your growth.
We prepare your application and assess financing options for your business in the United States, based on your state and business activity.
Turn receivables into cash
Do your customers pay after your suppliers are due? We assess invoice financing and factoring options based on the quality of your receivables.
- Eligible invoice assessment
- Terms based on your file
A lender-ready application
- 1Prequalification and needs assessment
- 2Document collection and validation
- 3Submission, comparison and follow-up
Availability, amount, cost and timing depend on eligibility, jurisdiction and lender criteria. ECC acts as an advisor and facilitator; the financing partner makes the credit decision.
Do these challenges sound familiar?
Growth is moving forward.
Are your finances keeping pace?
Unpredictable cash flow
You lack visibility into upcoming liquidity needs.
→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 ↓INTEGRATED FINANCIAL LEADERSHIPFrom stability
to financing.
to financing.
One partner. The complete path.
Strengthen your financial structure.
Secure your growth.
Outsourced financial leadership that establishes priorities, improves visibility and supports critical decisions toward a stable, financeable trajectory.
Stabilize. Structure. Finance growth.
Outsourced CFO
Cash-flow leadership, forecasts, working capital, receivables, margins and decisions.
Restructuring
Reliable financial information, ratios, budgets and dashboards to stabilize cash and clean up debt.
Credit optimization
Lender relations, preparation and presentation to strengthen financial credibility.
Financing
Strategic decisions, expansion, acquisition or refinancing: we structure and defend your case.
A structured intervention from the outset. Ongoing support that evolves with the company’s priorities.
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Your business · Your needs · A confidential review
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.
Canadian 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.
CASE 01 · CADCOMPLETED 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%
CASE 02 · CADCOMPLETED 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 corrected and optimized✓ New accounting process✓ Obligations and agreements reorganized
CASE 03 · CADILLUSTRATIVE SCENARIO
$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
Amounts are in Canadian dollars (CAD). Case 03 is an illustrative scenario. Outcomes are projected and may vary depending on circumstances, plan execution and stakeholder cooperation.
Proven experience
Evidence before promises.
Trust earned over time.
The Expansion team
Hands-on expertise.
At your decision table.
Patrick Castonguay
President · Former banker · Alternative financing · Credit
He leads engagements, assesses credit issues and structures financing strategies. His banking experience helps anticipate lender expectations and effectively represent each case.
Jacques Langevin
Financial restructuring
He works with companies under financial pressure to clarify priorities, restructure obligations and restore a viable financial path.
Denis Doyon
Institutional financing
He prepares and positions applications with banks and institutional lenders, aligning the financial structure and documentation with their requirements.
Émilie Lasnier
Coordination and compliance
She coordinates documents, follow-ups and engagement communications, ensuring file compliance and the disciplined progress of every initiative.
Financial ecosystem · USA
Better solutions start with
the right institutions.
U.S. banks, development organizations and programs to consider based on your industry, location and project.
Names and trademarks belong to their owners. This selection illustrates relevant institutions, networks or programs; it does not imply affiliation, endorsement or guaranteed access to financing.
Frequently 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 by assessing the company’s financial position and identifying its immediate priorities.
Our team then structures an intervention plan tailored to liquidity, accounting, credit, debt and financing issues.
The engagement continues through regular monitoring of actions, results and priority financial decisions. Once the company is ready, we can also present and defend its case with the appropriate financial partners.
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.
Start the assessment ↗350+ Businesses supported · 25+ years of banking experience · No obligation