Category
02Financial statements your banker actually reads.
Financial Reporting
Compilation, review engagement, interim statements, bank-ready financial files.
A poorly presented financial file costs two things: interest rate and weeks of delay. When a banker has to interpret, they price in a safety margin worth half a point. When the analyst has to come back with fifteen questions, your file slides to the bottom of the pile.
- 01
A financing file presented with an analyst note, not a dump of numbers
- 02
Statements that answer the banker's three questions in advance
- 03
Typical approval time cut in half
- 04
Better rate because your perceived risk drops
Frequently asked
What's the difference between a compilation and a review engagement?
A compilation is a professional presentation of your numbers. A review engagement adds limited assurance. the CPA performs analytical procedures and targeted enquiries. Banks often require a review above a certain loan amount.
How far ahead of my financing request should I start?
Ideally 60 to 90 days. Time to finalize bookkeeping, produce statements, build the projection, write the cover note. If you reach me two weeks before the deadline we can still deliver, but your negotiating leverage drops.
Which banks or lenders do you work with?
BMO, Desjardins, BDC, CIBC, RBC, Scotia, National Bank. I've prepared files accepted by most Canadian lenders. More importantly, I know what each analyst looks at first, which changes how we frame the file.
Ready to talk strategy?
An initial conversation, no fee, no commitment. We look at your situation and identify the concrete levers.