We arrange debt financing for mid-market Canadian businesses — acquisitions, recapitalizations, growth capital, management buyouts, and working capital. Lender-agnostic. Senior-advisor led. AI-powered intake.
We have no preferred lender relationships that bias our recommendations. We approach every institution that's right for your deal — Big 6 banks, BDC, credit unions, private credit funds, and mezzanine providers.
Transactions between $5M and $50M fall below the threshold of Bay Street's large corporate teams and above the appetite of most local branch managers. That gap is exactly where we operate.
Our AI qualifier assesses your deal before a human advisor touches it — so when we do connect, we arrive informed and ready to move. No intake forms. No wasted calls.
"Most Canadian business owners don't know their existing bank is competing against 200 other lenders for their deal. We make that competition work in your favour."DebtFinancing.ca — Capital Advisory
Growth financing for companies pursuing new market opportunities, capital expenditure programs, or organic expansion initiatives requiring term debt or revolving credit facilities.
Refinancing existing debt under more favourable terms — improved pricing, extended tenor, reduced covenants. Your bank isn't your only option. Private credit and regional lenders compete aggressively for quality credits.
Flexible revolving credit facilities, asset-based lending, and operating lines that support daily operations, seasonal cycles, and growth-driven cash flow requirements.
Customized debt structures for strategic acquisitions — leveraged buyouts, bolt-on transactions, and roll-up strategies. We identify the optimal mix of senior debt, mezzanine, and subordinated capital for your transaction.
Debt capital solutions for management teams acquiring the business they operate — structuring senior facilities, subordinated debt, and vendor take-back arrangements to maximize equity retention.
ABL credit facilities secured against receivables, inventory, and equipment — up to 100% of eligible asset value. Term facilities, capital leases, operating leases, and equipment finance agreements for mid-market and upper-mid-market Canadian companies.
Borrowing base facilities, warehouse lines, securitizations, and syndicated facilities for specialty lenders — consumer finance companies, fintech lenders, mortgage finance companies (MICs), litigation finance firms, and CSV lenders. Up to 85% advance rates.
Land financing, construction funding, inventory loans, multi-family recapitalization, acquisition financing, and bridge funding. A/B securitizations, term loan facilities, mezzanine, and syndicated structures for multi-residential and commercial real estate.
NAV financing, subscription credit facilities, and capital call lines for private equity, private credit, and alternative investment funds. Structures designed to extend investment periods, manage liquidity, and enhance investor returns without forcing premature exits.
Our Intake Assistant will assess your need and recommend the right approach — in plain language, in minutes.
Start qualificationMost Canadian business owners renew their credit facilities with their existing bank because they assume it's the only option — or because the process of finding alternatives feels overwhelming.
A debt recapitalization doesn't mean switching banks. It means going to market properly — letting private credit funds, regional lenders, and BDC compete for your business — and using that competition to improve your terms.
Outcomes vary by credit quality, deal size, and market conditions. Results shown are illustrative of typical mandates.
Describe your financing need to our AI advisor. It qualifies deal size, structure, and lender fit — and flags any issues — before routing to a human.
A senior advisor reviews your AI qualification summary, confirms the proposed structure, and connects with you within 24 hours to align on strategy.
We prepare your information memorandum and run a competitive process — approaching the right subset of our 200+ lender relationships on a confidential basis.
We negotiate term sheets, manage due diligence, and guide your transaction through to a funded close — on terms that reflect genuine market competition.
RBC, TD, BMO, Scotiabank, CIBC, and National Bank — for well-structured credits where bank pricing and balance sheet are optimal.
Business Development Bank of Canada — subordinated debt, patient capital, and growth financing for Canadian-owned businesses across all industries.
ATB, Desjardins, Meridian, and regional credit unions — often more flexible on structure and pricing than Schedule A banks for mid-market deals.
Non-bank direct lenders deploying aggressively into Canadian mid-market — covenant-lite structures, faster execution, and competitive pricing versus traditional banks.
Subordinated debt, PIK structures, and convertible facilities — used to fill gaps in the capital stack and maximize total leverage without diluting equity.
Pension funds, insurance companies, and asset managers deploying into private credit — providing patient, long-duration capital for the right mid-market opportunities.
Sponsored and non-sponsored private credit funds alongside PE co-investment structures — flexible capital solutions for complex transactions and growth mandates.
Development finance institutions and international lenders providing capital for Canadian businesses with cross-border operations or export-oriented growth strategies.
Single and multi-family offices seeking direct lending and co-investment opportunities — a growing source of flexible, relationship-driven capital for mid-market transactions.
Built over years of Canadian mid-market deal flow. We know who is actively deploying and for what type of credit — before you spend time on a process.
You built the business. We help you access the capital to grow it, transition it, or optimize its structure — without the process overwhelming your time.
You understand the numbers. We bring market intelligence and lender relationships — so you can present a fully informed recommendation to your board.
When your client needs debt capital and you need a reliable capital advisory partner to run the financing process, we work alongside your mandate.
For platform acquisitions and add-ons requiring Canadian debt capital — we run fast, competitive processes with lenders who understand sponsor-backed credits.
Start with our AI qualifier — describe your deal in plain language and receive an initial read on structure and lender fit. No commitment required.
Qualify your deal →