Small business funding & loan application help in Markham & the GTA
Put capital behind your launch — we help you prepare and apply for government and bank financing, and write the plans and proposals lenders want to see.
Markham Office helps small businesses prepare and submit funding applications — including the Canada Small Business Financing Program (CSBFP), which lets banks lend up to $1.15 million backed by an 85% government guarantee — plus bank loans and lender-ready business plans. We are an application-preparation service, not a lender, and we do not provide investment advice.
How the Canada Small Business Financing Program works
The CSBFP is not a grant — it’s a bank loan that the federal government guarantees up to 85%, which makes lenders far more willing to approve newer businesses. Eligible businesses (under $10 million in annual revenue) can borrow up to $1.15 million, with a 2% registration fee and interest around prime + 3%. We help you assemble the application the bank needs.
What lenders look for in your application
Lenders want to see realistic financial projections, a clear ability to repay, and a credible plan. A lender-ready business plan with three-year projections, market analysis and a funding proposal dramatically improves your odds. We write the plan, organize your documents, and coach you through lender follow-up.
Funding for newcomers, women & youth entrepreneurs
Several programs target specific founders — BDC’s newcomer financing, the Women Entrepreneurship Loan Fund, and Futurpreneur for founders aged 18–39. Newcomers without Canadian credit history have real options. We help you map the right program and apply.
Loan Readiness Review
Know exactly where you stand before you apply.
- Eligibility assessment
- Document checklist & gap review
- Lender / program matching
- Action plan to get approval-ready
Bank Ready Business Plan
Done-for-you business plan and bank-ready financial projection — you handle the submission and follow-up process on your own.
- Full written business plan
- 3-year financial projections
- Market & competitor analysis
- Funding proposal / executive summary
- Two rounds of revisions
Premium Full Funding Application
To start + 1% final success fee on approved amount
End-to-end support — from your business plan to submission and lender consultation — applying for government and bank financing.
- Everything in Business Plan & Proposal
- Canada Small Business Financing Program
- Bank loan application support
- Application preparation & submission
- Lender follow-up guidance
We help you prepare and submit applications. Final funding decisions rest with the lender or government program; we are not a lender and do not provide investment advice.
Grants vs. loans vs. CSBFP
| Grant | Bank loan | CSBFP | |
|---|---|---|---|
| Repay? | No | Yes | Yes (gov-guaranteed) |
| Typical size | Small, restricted | Varies | Up to $1.15M |
| Approval odds (new biz) | Very competitive | Harder | Easier (85% backed) |
Frequently asked questions
- Is the Canada Small Business Financing Program a grant?
- No. The CSBFP is a bank-issued loan that the federal government guarantees up to 85%. You repay it like any loan, but the guarantee makes approval easier for newer businesses.
- How much can I borrow under the CSBFP?
- Up to $1.15 million, of which up to $500,000 can be for equipment and leasehold improvements (and up to $150,000 for working capital and intangibles). A 2% registration fee applies.
- Can I get funding as a newcomer with no Canadian credit?
- Often, yes. Programs like BDC newcomer financing and Futurpreneur are designed for founders without an established Canadian credit history. We help match you to the right one and build a strong application.
- Do you guarantee I’ll get approved?
- No — final decisions rest with the lender or program. We are not a lender and do not provide investment advice. What we do is maximize your chances with a complete, well-prepared application.
Related reading
What Lenders Want in a Business Plan: A GTA Founder's Checklist
Banks and CSBFP lenders fund repayment ability, not ideas. Here are the nine plan components — from cash flow to collateral — that move your loan from "maybe" to "approved."
Read moreCSBFP Explained: Is the Canada Small Business Financing Program a Grant or a Loan?
Many founders assume the Canada Small Business Financing Program is free money. It is not. Here is what the CSBFP actually is, who qualifies, and how to apply through a participating bank.
Read moreSmall Business Grants in Ontario 2026: What You Can Actually Get
Grants are money you generally do not repay — but they are competitive and come with rules. Here is how small business grants work in Ontario in 2026, and how to improve your odds.
Read moreBusiness Loans for Newcomers to Canada with No or Thin Canadian Credit History
Newcomers often struggle to get business financing because they have little or no Canadian credit history. Here are the real options and how to build an application lenders will approve.
Read moreReady to launch your business?
Talk to our team and take the first step today — no obligation.