Business plans for Canadian lenders.

Small-batch tofu producer, Greater Toronto Area

The client arrived with strong product-market fit and a growing wholesale customer base — but the underwriting fundamentals weren't documented. No income statement projections, no worker-hour assumptions tied to production capacity, no defined target loan amount, and no use-of-funds breakdown in the CSBFP-expected eligible-asset format.

We scoped the engagement around:

• · Right-sizing the loan request against actual equipment and working-capital needs
• · Building hour-level workforce projections tied to production throughput
• · Validating revenue and gross-margin assumptions against comparable Canadian specialty food processors
• · Drafting a use-of-funds line item that mapped to CSBFP's eligible-asset categories (equipment, leasehold improvements)

One revision round before submission.

Most Bridge Note engagements close in a single revision round before the plan goes to the lender. That isn't an outcome statistic — it's a structural choice.

We build the financial model first so revenue and cost assumptions are locked before they get described in prose. The assumptions narrative is written second, tying every line on the spreadsheet to a specific operational decision. Operations and market sections come last so every paragraph supports a number a credit officer can verify.

The plan goes to underwriting tight, with no obvious gaps for adjudicators to send back for material rework.