About the firm
A Canadian business plan firm built around how lenders actually read.
Bridge Note writes lender-ready Canadian business plans for the programs Canadian entrepreneurs actually apply to — BDC, CSBFP, big-bank commercial loans, franchise financing, business acquisitions, and immigration entrepreneur streams.
What we do.
We write business plans for Canadian entrepreneurs who need a lender or an immigration officer to say yes. The work is consultative — we start with a free discovery call, scope the engagement to your specific lender and loan structure, draft the plan over five to seven business days, revise once with you, and deliver a lender-formatted PDF plus the editable Word document and underlying Excel financial model.
The firm operates on fixed-scope quotes, with no retainers and no hourly billing. After delivery we remain available for thirty days to help you respond to underwriter follow-up questions without an additional charge.
How we hold the standard.
No fake stats, no template-shaped claims.
Every number in a Bridge Note plan ties to a named source — your own financials, lender published rules, Innovation Canada data, BDC's published programs, Statistics Canada, or comparable industry benchmarks. We don't write '300+ plans funded' or '94% approval rate' because we don't have data we'd be willing to defend in a credit committee. Lenders can tell the difference, and so can our clients.
Plans are written, not generated.
We don't use generic business plan generators or generative AI to write the prose. Each plan is researched and written for the specific borrower, the specific lender or program, and the specific use of funds. A BDC LIFT plan looks different from a CSBFP plan looks different from a Start-up Visa plan. The structure changes, the financial section changes, the language changes.
Financial assumptions are the spine.
Most rejected Canadian business plans fail in the financial section — not because the model is wrong, but because the assumptions narrative tying revenue and cost lines to operational decisions is missing or generic. Our plans start with the financial model, build the assumptions narrative second, then write the operational and market sections last so they support the numbers.
We match the plan to the lender, not the lender to the plan.
BDC reads differently than RBC. RBC reads differently than CSBFP. A CSBFP-paired file reads differently than a straight BDC Small Business Loan. We've written enough plans against enough Canadian lenders to know which sections each lender weights, which formats they prefer, and where their underwriting checklists land hardest. The plan is written to that lender, not to a generic 'bank loan' template.
We say no when the work is wrong for you.
Not every business needs a custom plan. For small loans (under $100K), owner-managed sole props, or owners with their entire market in their head, a template or freelance writer is the right call. We tell you that on the discovery call rather than after engagement. The work we take on is work where the custom-plan investment is meaningfully worth the cost.
Lenders and programs we write to.
Plans are formatted to the underwriting standards of the specific lender or program. Naming a program here does not imply endorsement from the lender — these are the public programs Canadian entrepreneurs apply to, and our plans align with the published requirements of each.
- BDC Small Business Loan
- BDC Online Financing
- BDC Commercial Real Estate
- BDC Tech Capital / LIFT
- BDC Indigenous Entrepreneur Loan
- BDC Business Purchase or Transfer Loan
- Canada Small Business Financing Program (CSBFP)
- RBC commercial / small business
- TD small business / commercial
- BMO commercial
- Scotiabank small business / franchise
- CIBC small business / Innovation Banking
- National Bank commercial
- Credit unions (Vancity, Meridian, Desjardins)
- Provincial Nominee Program entrepreneur streams
Who we work with.
Direct clients
Canadian entrepreneurs applying for business financing or an immigration entrepreneur program. First-time founders, expansion borrowers, franchise buyers, business acquirers, immigrant entrepreneurs.
Referral partners
Bank relationship managers, mortgage and commercial brokers, immigration consultants, accountants, and lawyers who refer clients needing a written plan. The client relationship stays primary with you. See the partners page.
Next step
Want to talk?
Free 30-minute discovery call. We learn about your business, the loan or program you're applying to, and what your lender or immigration officer needs to see. No prep required.
Book a discovery call