60-Second Readiness Check
1 / 3What brings you here?
A few clicks, then a read of where you stand. No obligation.
Commercial financing and advisory, Canada
More Than Advisory.
Know where your business stands before the bank does.
We read your file the way a lender’s credit team will, backed by fifteen years of getting deals done.
Fundable now, and we point you to the lenders that fit.
Not yet, and you get a plan for what to fix first.
We’ve helped 2,000+ companies get funded since 2010, plenty of them after a bank already said no.
Who we work with
Built for Growth
Every piece in place.
The loan, the books behind it, and the plan behind those: we assemble all of it around your business, under one roof, so nothing gets lost between vendors.
Why Owners Call Us
Most business owners take whatever their bank offers.
Maybe the bank said no and never said why. Maybe the branch didn’t seem to know its own loan program. Maybe the business is months old, revenue is real, and nobody will give a new company a line of credit. We hear these stories every week, because they are the normal ones.
So before you take whatever is offered, we do the thing your bank will not: we tell you exactly where your business stands, and what it would take to do better.
We’ve been doing this since 2010. More than 2,000 companies funded, and we’re just getting started.
Our System: NExA
One read tells you where you stand.
NExA is how we do it: a system we run, our own automations plus the people who read what the numbers cannot. You never log into it. You bring your file, and you get back the read on where you actually stand, while you can still do something about it.
Our Services
Advisory, capital, and accounting. Under one roof.
Most clients arrive needing one of these and end up using two. Three places to start; the full map runs from government loans to franchise systems.
Why Work With Us
Banks work for banks. We work for you.
That’s not a tagline; it’s the structure. Lenders pay us nothing, so no lender can buy our recommendation. You hire us to get the business funded and keep it fundable, which means the only outcome we work toward is yours.
Our team has sat on the lending side of the table. We know what lenders look for, how credit decisions actually get made, and where there’s room to negotiate.
We position your business properly and anticipate the questions before they’re asked. You’ve got better things to do than learn lender underwriting. That’s our job.
A Note From Lamar
Why I do this.
I got into this business watching good operators hear no from their bank and walk away believing their business was the problem. Most of the time it was not. The problem was the file: the wrong program, the wrong structure, the right numbers telling the wrong story.
So in 2010 I started PFG to sit on the owner’s side of that conversation. We prepare every file the way a lender actually reads it. When a deal is not ready, we say so, and we lay out what would make it ready. Sixteen years and more than two thousand companies funded later, that is still the whole model.
What I want to build from here is simple: a firm where any owner in Canada can find out what their business actually qualifies for, before they bet years of their life on a guess. The lending is the easy part. The straight answer is the rare one.
Lamar VanDusen
Managing Director, PFG Financial
Testimonials & Case Studies
Proof that we work for you.
“Huge shout-out to Christa at PFG Financial! She made getting our small business line of credit so smooth and stress-free, even though we were on a tight timeline.”
Our case studies
Every business has a different story. Different challenges, different timing, different lenders. Here’s how we’ve helped operators navigate the financing process and come out with capital that actually moved the needle.
PFG Financial
Our numbers
Collaboration
Our partners
Our partners made us who we are: franchise brands that trust us with their franchisees’ financing, and companies whose expertise shows up in every file we put together.
Pick a name to see what we do side by side.
Insights
Know the landscape before you borrow.
Programs change, lenders shift their appetite, and the fine print matters. We write down what we learn so you can use it.
Tariff Response Funding by Region: Who Delivers It and How to Apply
Ottawa's tariff program is one program with seven doors. The money is the same everywhere. The way in is not. Here is who runs it where, and what each door asks of you.
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Pivot Projects Under the Tariff Response Program: What Counts, the Dates, and the $1 Million Line
A pivot project under Ottawa's tariff program draws up to $1 million you don't pay back, or more than that as an interest-free loan. What the money buys, what it won't, and the dates that box it in.
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What the Tariff Response Program Asks For: The Documents Your File Needs
Most of a tariff application is paperwork you may already have. The one piece most owners don't have is two years of statements prepared by someone outside the business. Start there.
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Refinancing Business Debt Moves the Payment, Not the Problem
Refinancing replaces one business debt with another on different terms. Here is what a lender underwrites on a consolidation file, what government programs will not touch, and when a refinance makes the position worse.
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Security, Guarantee, and Account Performance Are Three Different Tests
Owners treat security, the personal guarantee, and account performance as one worry. A lender treats them as three separate tests, and the published rules only answer two of them.
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A Capital Cycle Starts at the Top. Main Street Joins It Through a File.
The first Canada Investment Summit announced nearly $500 billion in commitments. How money like that travels down to contractors, suppliers and franchise units, why a commitment is a promise over years, and what an owner does in the next quarter to be ready when the cycle reaches their street.
Read ArticleFind out what your business actually qualifies for.
Tell us the situation as it is: the ask, the timeline, the no you already heard. We’ll read your file the way lenders read it, and when more than one lender fits, they compete.
Lenders pay us nothing. The only file our advice serves is yours.