"This is the best Application for
Commerical Financing I've ever seen."
Bob Richardson, RBC Commercial Finance.
The Blueprint For How To Secure
Comercial Financing For Your Business
Updated Sept 01, 2023
How To Create an Application for Financing
that's almost impossible for a banker to turn down!
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PLUS: A ton of other tips, tricks, and essential tools you can use to
grow your business with Canadian commercial financing
(that come from 25 years in the trenches working as a former
commercial banker...government bank supervisor...and corporate CFO)...
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And It Starts With Something I Call
The SME Cash Flow Machine
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By: Matthew Wierzchowski,
MBA, CMA, CSSGB
In this blueprint, I'm going to show you how to create an
application for Canadian commercial credit, whether it's for
a captial line of credit,
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But, first, let me start by saying this:
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Whether it's for high growth, new equipment, or large
purchase order financing...
In my opinion, your timing couldn't be any better.
And that's especially true during the months of September and October.
I call this period the 100 day sprint for financing.
And in the next few months it should result in billions of dollars worth of deals
being done.
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By following the process that I'm about to show you, there's no reason why your business can't do the same.
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But, before I give you the formula, let me explain to you why now.
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Matthew Wierzchowski, MBA, CFA, CSSGB
President, PubCo Finance Solutions
The 100-Day Sprint Begins Today
The first Tuesday after Labour Day, in North America, effectively marks the end of the summer holidays, and the beginning of one the most productive times of the year.
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I call this period the 100 Day Sprint for Financing because there are roughly
100 business days between now and when all the unrealized goals and objectives for the year need to get done.
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On September 05th, summer holidays are over, everyone is fully rested, and all of the “decision makers” can be corralled once again.
The end of the year is in sight, and any gaps between plans, budgets, and intentions that were set at the beginning of the year can no longer be avoided.
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That's when there's an impetus to act…an impetus to spend…and when many of your clients, customers, and colleagues are willing to do both at a time when it’s psychologically compelling to get things done.
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Because this is when stalling is no longer an option…getting the attention of colleagues is no longer an excuse…
And the time to act becomes now.
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The Plan
I first learned this formula when I worked as a commercial banker at CIBC back in the 90’s…
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Then proved it in action again when I worked as the EDC as rep for GTA West in the early 2,000's.
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At the time we called it the Financial Forecasting Model, but I prefer to call it the Revenue Acceleration Model because it more accurately describes how the plan works.
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Draft it, modify it if you dare, but apply it to all of the real growth opportunities and plans that your business has had over the last year -- The ones that you know exist right now if you only had the financing to achieve them.
Because that’s the intended purpose of this plan – to raise these kind of deals from the dead…get your business the finacing it needs...and create new opportunities that will help sustain growth and profitability for your business into 2024 and beyond.
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If your natural inclination is to WAIT until interest rates go down...
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Or, if you're thinking...
"Let's wait and see what happens next year..."
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Or,
"Right now it's just too hard to get financing".
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Or...whatever...
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Resist.
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Do Not Wait and think, "Let's wait and see what happens in the next fed meeting".
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Or, "We can manage things with existing cash flow"
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Or, "Maybe we should wait and see what happens next year."
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No. It is very important that you resist this kind of thinking (and I would say crucial to the future success of your business) and in a moment you'll see why.
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In fact, right now could be the best time in HISTORY to secure commercial financing.
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Because right now the banks are making more money from high interest rates than they ever have before...
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Which means there's more profit (and less Risk) on the table for the banks.
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Your mission is to secure the financing your business needs to increase Growth and Profitability into 2024 and beyond.
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And whether you need the financing now, six months from now, or a year from now...
You need to make sure that your business is positioned to take advantage of growth-opportunites when they present themselves (download the Timeline For Financing to get a better idea of how long it takes).
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And that's exactly what this guide will do for you.
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A Quick Note:
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We cover a Lot in this guide, but I have deliberately kept it simple and easy to read. If you need to go deeper on any particular subject, I have provided downloads, templates and examples throughout the guide, and please feel free to email me with questions anytime at matthew@pubcoreporting.com.
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Although it seems obvious, for legal reasons I need to say that results are not guaranteed by using the SME Cash Flow Financing Formula nor am I giving you financial advice by providing you with this guide (if you're interested in becoming a client plese call me).
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Now that we got that out of the way....
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Let's save ourselves a ton of time and trouble by discussing the #1 REASON Why most commercial banking deals go down and dive right into....
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Step 1.
​How To Last More Than 5 Minutes On The Phone
With A Commercial Banker! (FSM)
​
Click on the orange link below.
Over the last 25 years I've (used this formula to secure hundreds of millions for my clients) had remarkable success using this formula to secure financing for High Forecasted Growth…Mergers and Acquisitions…and Complex Purchase PO Financing. (with remarkable success)
(and explains why they just increased dividend-payments to shareholders, despite any cut-backs or layoffs!).
I first learned this formula when I worked as a commercial banker at CIBC back in the 90’s…
​
Then I proved it in action again when I worked as rep for GTA West at the EDC in the early 2,000's.
​
At the time we called it the Financial Forecasting Model, but I prefer to call it the SME Cash Flow Machine because it more accurately describes how the plan works.
​
Draft it, modify it if you dare, but apply it to all of the real growth opportunities and plans that your business has had over the last year -- The ones that you know exist right now if you only had the financing to achieve them.
Because that’s the intended purpose of this plan – to raise these kind of deals from the dead…get them financed...and create new opportunities that will help sustain growth and profitability for your business into 2024 and beyond.
​
If your natural inclination is to WAIT until interest rates go down...
​
Or, if you're thinking...
"Maybe we should see how things play out next year..."
​
Or, "Right now it's too hard to get financing".
Or, whatever...
​
Resist.
​
Do Not Wait and think, "Oh, let's see what they have to say at the next fed meeting".
​
Or, "Maybe market conditions will get better next year."
​
No. It is very important that you resist this kind of thinking (and I would say crucial to the future success of your business) and in a moment you'll see why.
​
In fact, I'd say that right now could be the best time in HISTORY to secure Canadian commercial financing.
​
Why?
​
Because right now the banks are making more money off high interest rates than ever before...
​
Which means that there's never been more profit (and less Risk) on the table for the banks. Which means there's more profit, less Risk, and a greater willingness by the banks to give financing.
​
Your mission is to secure the financing that you need to increase Growth and Profitability for your business into 2024 and beyond.
​
And whether you need financing now, six months from now, or even a year from now...
You want to make sure that your business is positioned properly, so that you can quickly take advantage of any growth-opportunites when they present themselves (see the Timeline For Financing download to get a better idea of how long it can take).
​
But...first...
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You need to make sure that you're able to overcome the #1 REASON Why most commercial banking deals go down, which is what we're going to talk about next:
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Step 1.
​How To Make Sure That You Last More Than 5 Minutes On The Phone With A Canadian Commercial Banker!
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As a side note, the blueprint should also be able to help you run your business better.
Because, in my experience, the #1 SIGN that a business is about to fail (and is also a big 'no-no' for a commercial banker) is companies that pay operating expenses from their capital line of credit.
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That's what this report will do (and, please remember, I'm always available for a quick call if you need one, my email address is matthew@pubcoreporting.com ).
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Which is exactly what we're going to talk about next:
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​
Click on the orange link below.
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