We fund plans, not projections
The conversation we want to have is about what the money is for and how it gets repaid. A clear use of funds and a defensible repayment story matter far more to us than an optimistic spreadsheet.
Where we can help, we say so quickly. Where the structure does not work, we say that quickly too - an early no is more useful to a business owner than a slow maybe.
A relationship, not a transaction
We have financed Alberta businesses since 1997, and the companies we work with tend to come back. That is only possible if the first facility was sized properly, so we would rather write the right loan than the largest one.