A first-time café operator needed bank financing. Clariva built a loan-ready, fully-integrated 5-year financial model and an investor-grade business plan, prepared to a lender-ready standard for a CSBFP loan application.
A husband-and-wife team was opening a premium gelato café and needed approval under the Canada Small Business Financing Program (CSBFP). Lenders require more than optimism: a defensible, fully-integrated financial model, a credible business plan, proven debt-service capacity, and assumptions traceable to real sources.
The owners had a strong concept — but no lender-ready numbers. Clariva turned the concept into an institutional-grade financial package.
EBITDA margin expands from 17.8% to 30.9% on operating leverage; revenue grows at a conservative 12% CAGR, well inside the $400K–$700K independent-shop benchmark.
Every dollar of revenue and cost traces to a real operating assumption — transactions, price, attach rates, shifts — so the model flexes with reality.
Inflation, tax and cost-of-capital inputs cited from the Bank of Canada, IMF, OECD, Damodaran and Kroll — auditable, not invented.
The balance sheet balances in every month, cash roll-forward ties out, and tax reconciles — the checks a credit officer looks for first.
A bank edition focused on DSCR, repayment and cash flow; a full investor edition with valuation — same engine, right lens for each reader.
See the standard for yourself. An 8-page excerpt from a complete 34-page, bank-ready business plan. (PDF, 8 pages)
Download the sample planWhether you're raising debt, courting investors, or just want to run on real numbers — Clariva builds the financial model and plan that gets you a yes.