Payment Model & Financing
Design and source the financing stack: bank, BDC, vendor, SBA, and equity.
What's Included
Most Canadian SMB acquisitions are financed with 30-50% cash, 30-50% bank/BDC, and 10-30% vendor take-back. Getting this stack right is the difference between closing and dropping the deal.
We help you build the financing package: - BDC small business loan up to $1M (great for first-time buyers) - Chartered bank acquisition financing (RBC, TD, Scotia, BMO, CIBC) - Vendor take-back loan negotiation - Personal capital deployment strategy - SBA cross-border options (US targets, Canadian buyers) - Mezzanine and private credit for mid-market - Lender CIM and IM preparation
We have direct relationships with BDC, BMO, and TD acquisition desks and know exactly what they need to approve.
Key Benefits
Lender-ready CIM and IM
Direct BDC, BMO, TD relationships
VTB negotiation lowers your equity check
Optimal balance of cash vs debt vs vendor
Higher approval rates and better rates
Available in These Packages
Industries We Apply This Service To
Hotels & Motels
Acquire boutique hotels, motels, or B&Bs across BC and Canada.
Auto Dealerships
Acquire new or used auto dealerships in BC and across Canada.
Manufacturing
Acquire small and mid-sized manufacturers across BC and Canada.
Self-Storage Facilities
Acquire self-storage facilities across BC and Canada.
Related Deal Services
More services in the same M&A lifecycle stage.
Offer & Negotiation
Build offer terms, price, financing structure, and negotiation tactics that protect your interests.
Letter of Intent
Draft a non-binding LOI that locks the deal, sets diligence access, and protects you in exclusivity.
Deal Structure
Design asset vs share, earn-out, VTB, holdback, and tax-optimized closing structure.
Seller Negotiations
Direct negotiation support from offer through close — price, terms, training, non-compete.