Quantity of Debt and its timing are two critical pieces of information most companies have trouble with.

When seeking debt financing larger than $1M CAD, borrowers often find themselves going through rigorous risk assessment beyond the usual credit check and collateral requirement. A detailed understanding of core business drivers with a detailed financial projection are often needed to help the lender assess risk and pass through their Credit Department.

A firm seeking equity infusion often requires equal rigour with a focus on the timing and quantity of capital needed. Further, a detailed outline of the uses of funds and their expected returns, impacts on

business performance are also needed. Lastly the value the equity enters the business at is often a hotly contested issue. Creating a free cash-flow forecast is often an objective way to build consensus around a number that works for both parties.