Strategic Capital Advisory
Our expert will act as your in-house finance leader to help you secure funding, improve cash flow, and make strategic decisions. We are your internal banker, putting your interest first.
Pillar 1: Strategic Capital Planning
Liquidity management, Credit Capacity Monitoring, and bank-standard performance reporting.
Pillar 2: Asset-Based Financing & DSCR Optimization
Global DSCR Stress-Testing, rolling capital forecasts, and Institutional Underwriting Alignment.
Pillar 3: Fractional Financial Leadership
Your Lead Capital Strategist acting as your primary liaison to institutional lenders to optimize terms, protect covenants, and ensure ongoing bankability.
Monthly Fee Pricing Based on Ongoing Relationship
Limited Capacity. Inquire today for availability.
Final price is assessed based on business complexity, industry sector, the current state of financial statements, and the specific scope of the engagement.
Strategic Project-Based Advisory
Best for focused, high-impact deliverables with a defined start and end date.
01
Banking Optimization Assessment
$799.00
Full review of the business financial health. We assess your readiness by reviewing the financial statements, projections, business plans to see if the business is presentable before you approach the banks. We then provide advice on best practices that would improve your chances of getting a ‘Yes’.
02
12-36 Month Projections
$1,500.00
Includes assessment in Number 1, Detailed Profit & Loss, Cash Flow, and Balance Sheet forecasts that meet bank underwriting standards.
03
“Bank-Ready” Doc Package
$2,500.00
A complete, lender-grade application including everything in number 1 and 2, as well as a professionally written banker’s narrative and standardized to replace your business plan.
05
Principal Optimization Suite
$1,500.00
Maximum efficiency for the person behind the business. A deep-dive audit to maximize take-home pay and align personal wealth with corporate growth.
MECA Capital Advisory provides proactive, data-driven strategy that secures better terms and accelerates the funding process.
1-2% success fee for application approved.
High-Value Needs-Based Applications Advisory
Equipment Financing
Whether it’s new vehicles, office furniture, industrial machines or specialty and life saving equipment, you can trust the experts at MECA Capital Advisory to guide you through your equipment purchase journey.
Leasehold & Real Estate Financing
Our experienced ex-bankers understand how lenders assess asset-backed growth opportunities. We help businesses structure leasehold and real estate financing applications that align with institutional lending expectations. With this in mind, we are passionate about helping businesses grow their asset books and physical footprint through leasehold improvements and real estate purchases.
DSCR Loan – Real Estate Investors
Do you have a growing portfolio of one to five investment properties? Partner with our experts to navigate the DSCR loan process. We meticulously structure your investment property financials to improve lender presentation and financing terms.
Every mid-sized company has a bank. Very few have a Banking Office.
A Fractional Banking Office provides institutional-level credit strategy, covenant monitoring, and lender liaison services without the cost of a full-time Treasury department.”
Navigating federal guidelines can be daunting, but the CSBFL and CALA are vital tools for growth. The Government Guarantee significantly reduces lender risk, but it requires strict adherence to policy. We remove the uncertainty by managing the process from start to finish.
The MECA Advantage: We advise on how to leverage the programs’ respective 15% and 25% personal guarantee caps, ensuring you don’t over-collateralize your personal assets unnecessarily.
CSBFL- Canada Small Business Financing Loan
Best For
Businesses acquiring equipment, leaseholds, or expansion assets.
Common Problems
- insufficient documentation
- weak use-of-funds narrative
- poor debt servicing presentation
- misunderstood eligibility
How MECA Helps
We structure your application to align with lender and program policy requirements before submission.
CALA- Canadian Agricultural Loans Act
Best For
Specifically for farmers (novice or veteran) and agricultural cooperatives.
Common Problems
- incorrect/unacceptable planned use of land
- failure to factor equipment needed while positioning land alone
- projections misaligned with agricultural lending expectations
- confusion around repayment terms
How MECA Helps
Similar to CSBFL, CALA applications must be structured around each lender’s internal policies, some of which may enhance the program’s standard terms and flexibility.
Other Specialty Programs
The following are specified programs available to our clients who qualify.
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Bank-Specific Black Entrepreneurship Programs
In addition to the federal loan fund, major Canadian banks have launched their own dedicated credit access programs with adjusted criteria:
BMO Black Entrepreneur Program:
RBC Black Entrepreneur Program:
Scotiabank Black-Led Business Financing Program:
TD Black Entrepreneur Credit Access Program:
CIBC Black Entrepreneur Program:
03
Specialized Programs for Youth & Startups
Futurpreneur Black Entrepreneur Startup Program: For founders aged 18–39. It provides up to $75,000 in co-lending with BDC and includes two years of mandatory mentorship.
04
Aboriginal Entrepreneurship Program (AEP):
How to apply: Through Indigenous Financial Institutions (IFIs) or National Aboriginal Capital Corporations Association (NACCA).
Benefits: Can provide up to $99,999 for individuals and $250,000 for community businesses in non-repayable contributions (grants) and loans.
Requirements: Must be an Indigenous entrepreneur (First Nations, Inuit, or Métis) with a viable business plan and at least 10% cash equity.
05
BDC Indigenous Entrepreneur Loan:
Benefits: Up to $350,000 in financing for existing businesses or startups. It offers flexible repayment and does not charge processing fees.
Requirements: Must be a majority Indigenous-owned business.
Ask about other programs that may apply to you specifically.
Who Are Our Clients?
01
Start Ups
At MECA Capital Advisory, we are dedicated to providing our new to business clients with the highest level of business and management consulting services. We strive to help our clients launch their businesses and reach their full potential.
02
Growing Businesses
We have a team of experienced and highly skilled ex-bankers who are committed to delivering exceptional results for our clients. Our Fractional CFO team members understand business needs in a growing stage and will help you understand your ability to scale with data-driven financial projections and guidance.
03
Professionals
Are you considering starting your own practice or buying an existing one? Or perhaps you have your practice and need new equipment, leaseholds or to purchase your own building. We have helped dozens of lawyers, CPAs, Doctors, Dentists, Pharmacists and other professionals, achieve their goals and find the deals that works best for them.
04
Investors
Partner with our experts to navigate the DSCR loan process. We meticulously structure your investment property financials to maximize approval rates and secure favorable terms.
05
Principal Owners
We understand the importance of separating business and personal. That doesn’t mean that your personal financial life is left totally to you. We at MECA Capital Advisory help business owners like you, optimize your personal affairs. As the Key Principal, banks look at both your personal and business financials when assessing applications. Let’s get ahead of grey areas to ensure your best chance of success.
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Financial Planning
We will work with you to create a customized plan to help you achieve your personal financial goals.
