Consulting for small business owners · Vancouver Island, BC

Run and grow your business with clarity.

Clariva is a small consulting firm with two practices: bank-ready business plans and data-driven growth strategy. Different questions — same discipline: every answer starts in your real numbers.

Built from your data, not templates Fixed scope, fixed price — from CA$490 Real, published demonstration cases
One firm, two practices: business plans & financial forecasts for banks, investors and management · growth audits & marketing strategy built on client data

Two questions every owner faces. One firm for both.

Practice 01 · Business Planning
“I'm starting or financing a business — will the bank say yes?”

A business plan and 5-year forecast built to lender and investor standards by an ex-KPMG advisor — powered by a real financial model underneath, not a template. And after the "yes", it keeps working as your management tool.

  • A plan the bank can say yes to — CSBFP-ready
  • 5-year forecast & break-even: see it works before you commit
  • KPI dashboard to run the business month to month
  • Delivered in 5–10 business days
plans from CA$2,290 · models from CA$1,490 · Plan Check CA$490
Practice 02 · Growth
“Which clients should I go after — and what is that worth?”

Growth audits and marketing strategy built from your own client data: lifetime value per segment, positioning, channels and a 90-day roadmap — with the revenue math attached.

  • Client base segmented by lifetime value
  • Positioning in a niche competitors don't claim
  • Budgeted 90-day roadmap & revenue scenarios
  • Free Day-90 results check
from CA$490 · free 30-min checkup first

The plan and the growth speak the same language: numbers.

01
Everything starts in your data
Financial model or marketing strategy — the first week is always the same: your real revenue, clients and costs. No template answers, no borrowed benchmarks presented as yours.
02
Every recommendation carries its math
A forecast you can defend to a bank. A marketing plan with acquisition costs and revenue scenarios attached. If we can't put a number on it, we don't recommend it.
03
One intake, both deliverables
The same data powers both practices. Launching? The Launch Bundle — Plan + Live Model with the Growth Audit — is CA$5,190 instead of CA$5,680. Already running? Financial Model + Growth Audit is CA$3,790 instead of CA$4,180.

Don't take our word for it. Read the work.

Two anonymized demonstration cases — one from each practice. The same standard of work you receive.

Business Plan & Financial Model
Premium gelato café — made bankable

A first-time operator needed CSBFP financing. We built the loan-ready 5-year model and 34-page business plan behind the application.

$70.9K
Financing structured
5.98×
Year-1 DSCR
Month 6
Cash-flow breakeven
Read the case →
Growth Audit · Marketing Strategy
Chiropractic clinic — the client worth 6× the rest

We segmented 843 clients by lifetime value and found the clinic's most valuable client entering through its least-used door — then rebuilt the strategy around her.

843
Clients segmented
6.3×
Best-client LTV vs avg
+$103K
Projected Y1 uplift
Read the case →

Small by choice. Senior by default.

Artur Podgornyi — founder of Clariva
Founder · Financial Practice
Artur Podgornyi

Ex-KPMG advisor with a decade of financial modeling behind corporate deals — now applying the same discipline to small business, at small-business prices.

Clariva stays deliberately small: every model and every audit is built by the person whose name is on it, not handed to a junior. The marketing practice applies the same rule — strategy built by the specialist who presents it to you.

Based on Vancouver Island. Working with owners across BC and Canada.

Not sure which one you need?

Write to us in one sentence what's on your mind — a loan, an investor, slow growth, a new venture. We'll tell you honestly which practice fits, or whether you need either.