Keep Hearing No When You Apply for Financing?
We help business owners secure financing with a common-sense approach that looks beyond tax returns alone and focuses on how your business really runs.
Adam Stapley | Mortgage Broker | Integrity Tree Financial Lic #12963
Why So Many Business Owners Get Turned Down
Many business owners are profitable, hardworking, and doing well enough to support themselves — but still get turned down when they apply for financing.
Sometimes, the business is considered too new. Sometimes, the income reported on paper to CRA doesn't reflect how much you really make. And sometimes owing taxes and HST balances make traditional lenders unwilling to move forward at all.
The result is frustrating: good business owners like you get told no, not because your business does not work, but because the lender does not understand how it does.
A Common-Sense Lending Approach Looks Different
For many business owners, the issue is not that the business isn't making money.
It’s that traditional lending often relies too heavily on rigid formulas, tax documents, and narrow approval models that do not always reflect how a real business operates.
But you often manage income strategically, reinvest in growth, and deal with temporary tax issues while keeping the business moving.
That's where we come in.
Our job is to understand how your business actually works, assess its real cash flow, and find practical financing solutions that make sense.
3 Ways We Help Business Owners Get Financing
Financing Based On
Retained Cash Flow
Many business owners are surprised when we place their application with a major bank using their company's retained earnings.
By digging deep to gain a thorough understanding of your business, we can reposition you as a prime borrower and access lower interest rates.
Solutions for
Lower Stated Income
Whether you're an entrepreneur in the early stages of your business or a seasoned business owner claiming income strategically, we have solutions for you.
We can rely on your past 12 months of bank statements to better understand your cash flow and access financing when banks say no.
Unsecured Lending
to Continue Growing
If you don't have access to equity through equipment or real estate, our partners work directly with major institutions like the BDC so that you can keep growing.
Our business lending arm offers equipment financing, loans secured by accounts receivable and inventory, and unsecured options for many types of businesses.
