Canada-wide · Taking new engagements from October
We write investor-ready business plans, bank and BDC loan plans, immigration business plans and the financial models underneath them — for Canadian companies raising capital, borrowing to grow, or facing the decision that decides the decade.
Every engagement ends in a bridge like this one: the specific moves, the value each carries, and who owns it. If a line can’t be defended in a diligence session, it doesn’t go on the chart.
Trusted by founders, boards and their investors
Most firms sell you either the document or the thinking. We do both, because a plan nobody can execute and a strategy nobody wrote down fail the same way.
The full document and the model behind it — market, economics, operations, capital plan — built so an investment committee can pressure-test any number to its source.
A lender underwrites your worst plausible year, not your best. These plans are built around debt service coverage, covenant headroom and a downside a credit adviser can take to committee.
Plans supporting entrepreneur and work permit applications, written to the evidentiary standard the file demands and delivered to your lawyer or RCIC — who owns the application, not us.
Three-statement models with the operating drivers exposed rather than buried. Delivered unlocked, documented, with a recorded walkthrough. We also rebuild spreadsheets that grew instead of being designed.
Before the plan, the question of whether there is a business here at all. The only engagement we run that we are happy to end with a no.
Pricing, channel, portfolio and retention — the four levers that move enterprise value fastest. We find which one is binding for you, then rebuild it.
Five stages, in this order, because each one is worthless without the last. You get a named deliverable at every stage — no engagement disappears into a black box for a month.
A half-day working session and a data pull. We establish what is actually true today — unit economics, cohort behaviour, cost to serve — before anyone talks about the future. Roughly a third of the time this stage changes the question you came in with.
Bottom-up market sizing, competitor teardown, customer and channel interviews, and a scrub of your own data. We source every figure and keep the workings, because the question in the room is always “where did that come from?”
An integrated three-statement model with the operating drivers exposed, not buried. You can move a price, a conversion rate or a hiring plan and watch the cash position respond. The model is yours, unlocked, with a walkthrough recording.
The document: strategy, market, operations, team, risk and capital, written in plain language by the same people who did the analysis. No offshore drafting pool, no template with your logo dropped in the corner.
We build the diligence question bank against your own plan, then sit on the other side of the table and ask them. Two rehearsal sessions are included in every engagement, and we stay reachable through your raise.
Two recent engagements. Figures are as reported by the client twelve months after close.
Northfield had grown for four decades on relationships and never once tested price. We rebuilt the margin picture SKU by SKU, found that 22% of volume was sold below cost to serve, and wrote the plan that took them to a growth equity round on their own terms.
Read the engagementBrightline came to us after two failed pitches. The problem was not the technology — it was a top-down TAM no investor believed. We rebuilt it bottom-up from installed base and replacement cycles, arrived at a smaller number, and closed the round in eleven weeks.
Read the engagementOur board had seen four consultants in six years. This was the first team that came back in week three and told us the thing we’d asked for was the wrong thing to build. That conversation was worth the entire fee.
Dana WhitfieldChief Executive, Northfield Foods
Sector knowledge is not a landing page claim — it is whether we already know your channel structure, your regulator and your buyer’s budget cycle on day one. Where we don’t, we say so and refer you on.
The person in your first meeting writes your plan. We cap each partner at four live engagements, which is why we sometimes ask you to wait six weeks.
Unlocked, documented, with a recorded walkthrough. No annual licence, no dependency, no call to us every time you need to change a hiring assumption.
Priced before we start, in writing, with the deliverables listed. If the diagnostic changes the question, we re-quote once and you decide.
We have declined roughly one engagement in five since 2011 — wrong sector, wrong timing, or a plan built to justify a decision already made.
Written by the partners, published when we have something worth saying rather than on a content calendar.
Why bottom-up sizing wins rounds that top-down sizing loses, and how to rebuild yours from installed base in an afternoon.
A working list from 340 engagements, with the answer structure that survives a follow-up.
Most margin problems are allocation problems. Here is how to find the customers you are paying to keep.
Tell us what you are working on. If we can help, we will say how and what it costs. If we can’t, we will point you at someone who can — and neither answer takes more than a week.
Or email hello@expertbusinessplans.ca