A CSBFP business plan built to survive the credit committee.
The government shares your lender's risk — but the bank still underwrites you. The credit team will test your DSCR, your working capital, and your downside scenario. We build the plan and the financial model that pass that test, personally, by an ex-KPMG Deal Advisory analyst.
Government-backed. Bank-underwritten. Plan-driven.
CSBFP loans fund real property, equipment, leasehold improvements, and working capital — issued through chartered banks and credit unions, with the Government of Canada sharing the lender's risk.
The guarantee doesn't remove the credit review. The bank's analyst still checks whether projected cash flow covers debt service with room to spare — and whether the numbers behind it hold together.
Your business plan and 5-year projections are what the credit officer actually reads. A generic template with pasted-in numbers is the fastest way to get sent back with questions.
We build to the checklist the credit officer reads from.
Clariva's founder has sat on the bank's side of the table as a credit underwriter. Every CSBFP plan we deliver is structured around what that reviewer is trained to test:
DSCR calculated the way lenders calculate it
Full debt service — principal and interest, all facilities — against operating cash flow. Our demonstration model underwrites to 5.98× in Year 1 against the typical 1.25× minimum.
Monthly cash flow for the first year
Not annual averages that hide the dangerous months. The model shows the trough, the seasonality, and the working-capital cushion that carries you through it.
A downside scenario that names its breaking point
Credit teams distrust plans where everything goes right. Ours state plainly how far revenue can fall before the covenant breaks — in our demonstration case, 22% below plan.
Funding request mapped to CSBFP asset classes
Equipment, leasehold improvements, property, working capital — itemized the way the program and the bank expect to see them, with the repayment schedule attached.
One engagement. Application-ready.
Launch pricing · 2026
Comparable bespoke plans with an editable model run CA$3,500–8,000 at established firms.
The full application package — plus the editable model you keep running the business on after the loan lands.
- ✓ Written business plan, 25–35 pages, CSBFP-structured
- ✓ Custom bottom-up financial model — editable Excel, yours to keep
- ✓ DSCR, monthly Year-1 cash flow, break-even, stress scenario
- ✓ Lender-requested changes free for 60 days
- ✓ KPI dashboard + 30-day support · 7–10 days
For owners who want us on the file 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
Bank sent your plan back? Plan Check — CA$490.
We review your existing plan the way the credit analyst did: what failed, why, and what it takes to fix. Fully credited toward any package within 30 days.
Need only the numbers, or comparing all five packages? See full pricing.
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.
From intake to application-ready in 7–10 business days.
Intake — 20–30 minutes
A structured written questionnaire: revenue sources, cost structure, the loan amount and what it buys. No calls required.
We build plan + model together
Artur personally builds the bottom-up model, stress-tests it, then writes the plan around numbers that already survive scrutiny.
You apply — we stay close
You receive the plan, the model, and a written walkthrough. If your lender asks for adjustments on this application, they're covered.
CSBFP Questions
The loan is government-backed — doesn't that mean easy approval?
No. The government shares the lender's losses, but the bank still carries risk and still underwrites every application — DSCR, working capital, management credibility, downside scenarios. Weak financials get declined under CSBFP just like any other loan. The guarantee opens the door; the plan gets you through it.
Can you guarantee my loan gets approved?
No one can honestly guarantee a credit decision — it depends on your credit history, your equity injection, and your bank's appetite, not just the plan. What we do guarantee: the plan and model meet the standard lenders expect, and changes your lender requests on this application are free — for 60 days on Plan + Live Model, until approval on the Funded Package.
Which banks can I take this plan to?
Any CSBFP lender — the chartered banks (RBC, TD, Scotiabank, BMO, CIBC) and participating credit unions. The plan is formatted to the standards those credit teams use; nothing about it is tied to one institution.
What do you need from me to start?
The intake questionnaire (20–30 minutes) covering your revenue streams, costs, and the funding ask. If you're an existing business, recent financials help; if you're pre-launch, your pricing and cost research is enough — building the forecast from it is our job.
I already wrote a plan and the bank pushed back. Can you fix it?
That's the Plan Check (CA$490): a written review of your existing plan and model through a credit analyst's eyes — what fails the stress test, what breaks the DSCR, what raised the flag. If you then upgrade to a rebuild, the CA$490 is fully credited within 30 days.
Your lender reads hundreds of plans. Give them one that holds.
Built by an ex-KPMG advisor. Stress-tested before the bank ever sees it. Money-back guarantee if the work doesn't match your intake brief.