Run your business on real numbers, not gut feeling.
Your business plan and 5-year forecast, built personally by an ex-KPMG advisor — ready for the bank, ready for investors, and actually useful for running the business afterwards.
Most business owners are making decisions without knowing their real numbers.
Revenue isn't profit. Without a model, you can't see your real margin, where costs are leaking, or whether your pricing makes sense as you grow. You're flying without instruments.
Break-even isn't just a number for the bank — it's the moment you stop subsidizing your own business. Without a model, that date is a guess. With one, it's a target you can manage toward.
Should you hire now or in 6 months? Can you afford to raise prices? What does Year 2 look like if sales slow down? These questions need numbers, not intuition.
A financial model isn't a document for the bank. It's a management tool you use every month to run your business smarter.
A financial model you use to run your business — not just to show the bank.
Monthly KPI Dashboard
Enter your actual numbers each month and instantly see revenue vs. forecast, gross margin trend, break-even progress, and EBITDA — in one tab, in under 10 minutes. Know whether your business is on track before problems become visible.
5-Year Forecast & Break-even
A complete bottom-up revenue model showing where your business is headed — month by month for Year 1, year by year through Year 5. See your break-even date, EBITDA growth trajectory, and what changes if assumptions shift. Make decisions with a full picture, not half the information.
Written Walkthrough Document
Every assumption explained in plain English. Why your break-even is Month 6. What drives your margin. Where the biggest cost risks are. You'll understand your own numbers well enough to answer any question — from your accountant, your partner, or yourself.
Bank, Investor & Partner Submission
The same model is formatted for external use when you need it — CSBFP and Canadian bank standards for loan applications, clean data sheet for investor meetings, structured projections for partner conversations. One model. Multiple uses.
A management tool first. An external document second.
See exactly where your business is going
A fully structured bottom-up model built from your actual revenue streams, cost structure, and pricing. Not a template filled with placeholder numbers — a model that reflects how your specific business works.
| Metric | Year 1 | Year 2 | Year 3 | Year 5 |
|---|---|---|---|---|
| REVENUE | ||||
| Core Sales | $305,582 | $422,290 | $438,735 | $477,932 |
| Ancillary Rev. | $27,000 | $45,000 | $47,000 | $45,000 |
| Total Revenue | $332,582 | $467,290 | $485,735 | $522,932 |
| PROFITABILITY | ||||
| Gross Margin | 67.1% | 66.0% | 65.9% | 65.8% |
| EBITDA | $59,173 | $137,208 | $145,245 | $161,560 |
| EBITDA Margin | 17.8% | 29.4% | 29.9% | 30.9% |
| DEBT SERVICE | ||||
| Annual DS | $9,898 | $14,462 | $13,551 | $11,866 |
| DSCR | 5.98× | 9.49× | 10.72× | 13.62× |
Run your business month by month
Enter 6 actual numbers each month. The dashboard does the rest — comparing actuals to forecast, flagging margin drift, and showing you whether you're ahead or behind on the plan.
From intake to delivery in 5–10 business days.
You answer structured questions about your business: revenue streams, cost structure, goals, loan amount if applicable. Takes 20–30 minutes. No calls required — everything is asynchronous and written.
Artur personally builds your financial model in Excel. Not a template — a custom bottom-up model tailored to your industry, your cost drivers, and your specific revenue structure, built to institutional standard.
You receive the Excel file plus a written walkthrough document explaining every assumption and every section. Bank-ready the day it arrives. Update it yourself monthly using the KPI tab.
One model. Four ways it earns its price.
Stop guessing whether last month was good or just busy. Open the KPI tab, enter your actuals, and know in 10 minutes exactly where you stand — revenue, margin, break-even progress, and EBITDA vs. plan.
Should you hire now or in Q3? Can your margin absorb a rent increase? What does Year 2 look like if you open a second location? The model answers these questions with numbers, not optimism.
The same model is formatted to CSBFP and Canadian bank standards when you need it — DSCR, 5-year P&L, break-even, and debt service schedule. Our demonstration model for a BC café underwrites to a DSCR of 5.98× against a 1.25× minimum.
Applying to a specific program? See CSBFP loans or Futurpreneur.
A credible financial model closes the gap between 'sounds good' and 'I'm in.' It shows your numbers are real, your assumptions are grounded, and you understand your own business well enough to defend every line.
See a real model we built.
A premium artisan gelato café in Victoria, BC — an anonymized demonstration case. We built the loan-ready 5-year financial model and the investor-grade business plan for its CSBFP loan application. Here is the full case — the same standard of work you receive.
Also from Clariva · Growth Audit A chiropractic clinic in Victoria, BC — our marketing Growth Audit segmented 843 clients by lifetime value and found its most valuable client, worth 6.3× the average, entering through the least-used door.
View the marketing case →The numbers tool — or the full plan a bank can read.
Launch pricing · 2026
Comparable bespoke plans with an editable model run CA$3,500–8,000 at established firms. These rates hold while Clariva builds its public case portfolio.
The management tool on its own — for owners who need the numbers, not the document.
- ✓ Custom bottom-up Excel model — fully editable, yours to keep
- ✓ 5-year forecast, monthly for Year 1
- ✓ Break-even & DSCR analysis
- ✓ KPI dashboard tab
- ✓ Written walkthrough document
- ✓ 2 revision rounds · 5–7 days
- — Written business plan
The document a lender reads — every number in it produced by a real bottom-up model.
- ✓ Written business plan, 25–35 pages
- ✓ Market, competitors & operations
- ✓ Funding request to CSBFP standards
- ✓ Full 5-year financials in the document: P&L, cash flow, DSCR, break-even
- ✓ 2 revision rounds · 7–10 days
- — Editable Excel model & KPI dashboard
The plan the bank reads — plus the live Excel engine behind it, the model you run the business on afterwards.
- ✓ Everything in Business Plan
- ✓ Editable bottom-up Excel model — yours to keep
- ✓ KPI dashboard: 10-minute monthly update
- ✓ Written model walkthrough
- ✓ Lender-requested changes free for 60 days
- ✓ 30-day email support · 7–10 days
We stay on the file through underwriting — until the money lands.
- ✓ Everything in Plan + Live Model
- ✓ Lender-requested revisions until approval (same application)
- ✓ Prep session before your bank meeting
- ✓ INVESTOR & BANK versions of the model
- ✓ Model refresh with your actuals at Day 90
Already have a plan — DIY, freelancer, or AI-written? Plan Check, CA$490.
We review it the way a credit analyst will: what fails the stress test, what breaks the DSCR, what gets it sent back. Written defect report in 3–4 days — and the CA$490 is fully credited toward any package within 30 days.
Started small? Plan Check and Financial Model prices are fully credited toward any Business Plan package within 30 days.
Add-ons: Pitch Deck, 10–15 slides built from your model — CA$1,290 · Business Valuation Report — from CA$2,990 · Investor ↔ Bank model reformat — CA$390
The order buttons open your email app. No email app on this device? Just write to info@clarivagroups.ca — a plain email works exactly the same.
The model lives as long as your business does.
Delivery isn't the end of the engagement. Banks come back with questions, businesses add locations, assumptions age. Here is exactly what happens next — no surprises, no meter running in the background.
Included in every package
Two revision rounds within 30 days of delivery. We adjust and re-issue until the deliverable matches what we agreed in your intake.
If your lender asks for changes
Adjustments requested by your bank or CSBFP officer on the same application are free — for 60 days on Plan + Live Model, and until approval on the Funded Package. Your consultant doesn't disappear after the invoice.
When your business changes
Fixed prices, quoted before any work starts: assumptions & actuals refresh — CA$290 · new scenario or sensitivity — CA$490 · Investor ↔ Bank reformat — CA$390 · new business line or structural rebuild — from CA$990 · anything else — CA$190/hour, estimate agreed first.
Model Care · CA$190/month, billed quarterly Your model stays current without you touching a formula: quarterly refresh with your actuals, minor updates included, and a 30-minute review call each quarter.
Subscribe to Model CareSee the standard before you buy
An 8-page excerpt from a complete 34-page, bank-ready business plan — a demonstration case built to real CSBFP lending standards.
- ✓ Debt coverage the way lenders read it — 6.0x DSCR against the 1.25x CSBFP minimum, with the full debt service, not the flattering subset
- ✓ Sensitivity analysis that names its own breaking point: the covenant holds with revenue up to 22% below plan
- ✓ An integrated monthly financial model with automated integrity checks — the balance sheet balances in all 60 months
- ✓ Unit economics to the scoop: every P&L line resolves to a driver you can point at
Free, no email required. A demonstration case; the business has been anonymized.
Built by someone who understands business, not just spreadsheets.
I spent five years in Deal Advisory at KPMG, building financial models for M&A transactions worth over $5 billion — across energy, agriculture, and media. Before that, I was Financial Controller at ATOS SE in Zurich, managing P&L reporting for a global corporation with $11B+ in annual revenue. I also worked as a credit underwriter at a major retail bank, where I evaluated the financial models and creditworthiness of SME clients — from the bank's side of the table.
I know what a loan officer looks at. I know what makes a DSCR calculation credible and what raises red flags. I know the difference between a model that gets approved and one that gets sent back with questions.
When you work with Clariva, you're not getting a template filled out by a freelancer. You're getting a model built personally by someone who has done this professionally at the highest level — adapted to your specific business, your industry, and your goals.
“A good financial model doesn't just satisfy the bank. It gives you a document you can actually run your business with.”
Frequently Asked Questions
Do I need a business plan or a financial model?
They're two halves of one thing. The business plan is the document a bank or investor reads — your story, market, and ask. The financial model is the engine behind it — the spreadsheet that proves the numbers hold. A plan without a real model gets picked apart in the first meeting; a model without a plan never gets a meeting. We build them together, and after the loan is approved the model keeps working for you as a monthly management tool.
Does the business plan cover marketing?
It includes a market and competitor section at the depth a lender needs — market size, competition, and how you'll win customers — enough to make the revenue forecast credible. What it is not is a growth strategy: it doesn't segment your client base by lifetime value, design channel plans, or build a 90-day acquisition roadmap. That's a separate engagement — our Growth Audit. Need both? The Launch Bundle — Plan + Live Model together with the Growth Audit — is CA$5,190 instead of CA$5,680.
Is this the same quality as what consulting firms produce?
Yes — and that's not a marketing claim. Clariva is run by a former KPMG Deal Advisory associate who built financial models for M&A transactions exceeding $5 billion. The methodology, structure, and quality of documentation are identical to what large advisory firms produce. The difference is that you're not paying consulting firm rates — and you're working directly with the person building your model, not a junior analyst.
Do I need accounting experience to use the model?
No. Every section comes with a written explanation. You'll understand what each number means and why it matters.
Is my financial information kept confidential?
Yes. Whatever you share in the intake is used only to build your model — never resold, published, or shown to anyone else. If you'd like a signed NDA before you send anything over, just ask and I'll send one first. Any case study or sample on this site is a fictionalized demonstration; a real client's numbers never appear anywhere public.
What format is the model delivered in?
Microsoft Excel (.xlsx). Works on Mac and PC. Google Sheets version available on request.
Can I update the model myself after delivery?
Yes — on every package that includes the live model (Financial Model, Plan + Live Model, Funded Package) the Excel file is unlocked and editable, and the walkthrough explains how to update your numbers monthly. The Business Plan package delivers your full financials inside the document; if you later want the live engine behind them, you can add it within 30 days for the price difference.
What's the difference between Business Plan and Plan + Live Model?
Both are built on the same custom bottom-up model — we never write a plan without one. The difference is what you keep. With the Business Plan, you receive the document with complete 5-year financials in it — everything a lender needs. With Plan + Live Model, you also keep the editable Excel engine itself: change an assumption and watch the whole forecast recalculate, track actuals monthly on the KPI tab, test a second location before you commit. One is a document; the other is a document plus the instrument that produced it.
What happens if the bank comes back asking for changes?
That's covered — it's the whole point of the After Delivery policy. Changes your lender requests on the same application are free for 60 days on Plan + Live Model, and until approval on the Funded Package. Changes driven by your business evolving — new revenue line, second location, fresh actuals — are priced from a fixed menu starting at CA$290, always quoted before work starts.
Will a bank actually accept this model?
Yes. The model is formatted to meet CSBFP and major Canadian chartered bank requirements for SMB loans. Our demonstration model for a BC café underwrites to a Debt Service Coverage Ratio of 5.98× — the bank's minimum requirement is 1.25×. That's not a close call — it's a model that gives the lender confidence.
How long does it take?
Plan Check: 3–4 business days. Financial models: 5–7 business days from the moment you submit your intake form. Business plans: 7–10 business days. Rush delivery available for an additional fee.
How does the money-back guarantee work?
If the finished model doesn't meet what we agreed in your intake — the structure, the scope, the bank-ready formatting — tell me within 14 days and I'll put it right under your revision round. If it still isn't right, you get a full refund. The guarantee covers work that doesn't meet the agreed standard; it isn't a change-of-mind refund once the model is built to spec.
What if my business is unusual or hard to model?
Artur handles non-standard businesses regularly. The intake form captures your specifics, and there's always room to add a note about anything unusual.
Whether it's your next hire, your bank meeting, or just month-end — the answer should never be 'I'm not sure.'
Stop making decisions without a financial model.
Built for management. Ready for the bank. 100% money-back guarantee.