government small business financing loans federal

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Government Small Business Financing Loans In Canada : Safecracking The Federal Loan Program
Ready To Trust Govt Small Business Loans In Canada – They’re Guaranteed !








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7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8


Direct Line = 416 319 5769

Office = 905 829 2653


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Government small business financing loans in Canada are often disregarded by Canadian business owners/financial managers if only for the reason that they have decided that the application process is somewhat of a burden.


Federal govt  ' guaranteed '  loans are probably the most basic form of business application , so lets examine who's right and who is wrong on that belief - in effect we're  cracking the safe on this somewhat misunderstood financing .  Let's dig in.


In Canada there are various perceptions around business lending in the SME COMMERCIAL finance needs area. Those perceptions include the fact that even though the 2008-2009 recession is well over business credit is still tight.


There are various reasons why the Govt Business loan isn't being pursued. The program itself is a term loan, not a revolving line of credit or cash as many may have been led to believe. That implies taking on debt, as well as knowing that your firm in fact qualifies. That, coupled with our premise that many business people feel the application process is cumbersome (Spoiler alert - It is not!)  may be some of the reasons that the federal  ' SBL ' loan isn't access by more businesses.


Safe to say also that despite that fact that close to 8000 Canadian businesses every year qualify and are approved for billions of dollars some entrepreneurs/owners might feel that don't qualify. We say entrepreneurs because thousands of start ups and franchises are financed under the program also.


Let's dig into that ' application process'. Is it really as ' intimidating ' as some think? Hardly we maintain. The process includes some of the most standard documentation that anyone would expect in business credit. They include:


An executive summary or business plan around your business/project (This should include some financial projections that clearly reference how the loan will be repaid


Confirmation that the owner/owners have reasonable personal credit


Breakdown of uses of the financing (By the way the program only finances 3 asset categories - equipment, leasehold improvements, real estate)


Basic legal fundamentals around your business - i.e. incorporation details, business address,


We're the first to agree that  ' time is money ' so your ability to properly prepare and present your proposal is key. Although all Canadian chartered banks offer the program it's critical to locate a supportive and knowledgeable banker. 


Success in the government business loan allows owners/entrepreneurs to:


Start a business


Buy a business


Acquire a new/existing franchise


Grow a company


For those that would still maintain this excellent program is not for them numerous alternative financing solutions still exist - they include"


Receivable financing


Inventory Finance


SR&ED Financing


Asset based non-bank lines of credit


Equipment Leasing/ Sale Leasebacks


Whether you're looking to reap the benefits of the federal Government small business loan finance program, or looking to investigate other financing options seek out and speak to a trusted,  credible and experienced Canadian business financing advisor who can help you 'safe crack'  finance solutions you can trust.



' Canadian Business Financing with the intelligent use of experience '