Field notes
Canadian business loan and plan guides.
Plain-language guides to Canadian business loan applications. Written for entrepreneurs and SMBs working with Canadian lenders.
2026-05-14
9 min read
5 reasons Canadian banks reject business plans
Small-business loan approvals dropped two points in 2024 and collateral demands jumped twenty. The five specific things adjudicators flag most often — and how to address each.
2026-05-11
10 min read
How to write a business plan for a BDC loan
What BDC underwriters look for — current programs, ratios, timelines, and the 2024–2026 changes that affect your application.
2026-05-10
10 min read
Cash flow projections for a Canadian business loan
Years of forecasts, monthly vs. quarterly, DSCR targets, scenario analysis, and the Canadian tax line items most projections miss before underwriting.
2026-05-09
11 min read
CSBFP vs. BDC vs. big-bank business loans
A side-by-side of Canada's three main small-business lending paths — CSBFP, BDC, and the big six — with current rules, rates, and a decision framework.
2026-05-08
9 min read
How much does a business plan cost in Canada?
Real CAD pricing for DIY, online tools, freelancers, consultancies, and premium boutique services — plus what actually drives the price.
2026-05-07
12 min read
Canadian entrepreneur immigration pathways in 2026
SUV paused. Owner-Operator LMIA ended 2021. Ontario and Saskatchewan PNP entrepreneur streams closed. What's actually open in 2026 — and what each plan needs.