STARTUP
Business launch
Futurpreneur, microcredit, and startup loans — assess your starting capacity and identify programs designed for new businesses from $50,000 to $150,000.
Pre-analysis platform for Canadian SMEs
Your financing file,
before the bank.
Startup, growth, acquisition, or business transfer — upload your financial statements and receive a complete diagnostic, feasibility score, and the best federal and provincial programs for your project. From $50,000 to $5,000,000.
Solutions
A solid file, no matter your situation.
Whether you're starting, growing, acquiring, or transferring a business — the analysis adapts to your reality.
GROWTH
Expansion and working capital
CSBFP, BDC, and commercial loans — validate your file to finance your next growth phase up to $5,000,000.
ACQUISITION
Business purchase
Analyze the target and your acquisition capacity. Financing structure, required down payment, and buyout feasibility — all in one professional report.
TRANSFER
Succession and buyout
Taking over an existing business? Evaluate its financial health, your injection capacity, and available succession programs across Canada.
Process
Three steps. One clear verdict.
From uploading your documents to the professional report, everything happens in minutes.
STEP 01
Personal balance sheet and documents
Fill out your personal balance sheet on-screen — assets, liabilities, income. Upload your financial statements in digital format. Sign the attestation of accuracy.
STEP 02
In-depth analysis
The platform examines your file across 12 criteria: profitability, repayment capacity, working capital, leverage, injection capacity, and simulates a complete financing structure.
STEP 03
Report and recommendations
Receive a 6-page report: feasibility score, final verdict, detailed analysis, recommended federal and provincial programs, and a concrete action plan.
Analysis
12 criteria. Zero blind spots.
Every dimension of your financial health is assessed to maximize your chances of securing financing.
Profitability
Net margin, earnings before interest, taxes, depreciation and amortization, revenue growth — your ability to generate profits measured from every angle.
Repayment capacity
Debt service coverage ratio, available cash flow, and times interest earned — the indicators lenders scrutinize most when evaluating your application.
Working capital and liquidity
Working capital requirements, current ratio, and quick ratio — your daily financial oxygen to sustain ongoing operations.
Leverage and equity
Debt-to-equity ratio, financial leverage, and equity strength — what financial institutions examine first when reviewing your balance sheet.
Injection capacity
Integrated personal balance sheet — down payment, net worth, personal debts, and credit score to assess your personal contribution to the financing project.
Financing structure simulator
Financeable amount, theoretical rate based on the current low-rate environment, estimated monthly payment, cash flow impact, and recommended structure.
Federal and provincial programs
Automatic matching with programs suited to your situation and province — CSBFP, BDC, Investissement Québec, local development funds, and over 30 programs across Canada.
Programs
Over 30 federal and provincial programs, automatically identified.
The platform references programs from every province and recommends those matching your situation, industry, and financing amount.
FEDERAL — GUARANTEED LOAN
CSBFP — Canada Small Business Financing Program
Government-backed loans for equipment purchases, leasehold improvements, or commercial real estate acquisition.
Up to $1,150,000
FEDERAL — DEVELOPMENT
BDC — Business Development Bank of Canada
Term loans, working capital, growth capital, and technology financing for Canadian SMEs.
$50,000 to $5,000,000
FEDERAL — STARTUP
Futurpreneur Canada
Financing, mentorship, and resources for entrepreneurs aged 18 to 39 launching or acquiring a business in Canada.
Up to $75,000
MICROCREDIT
Créavenir — Desjardins
Microcredit designed for entrepreneurs without access to traditional financing. Coaching and mentorship included in the program.
Up to $20,000
PROVINCIAL — QUEBEC
Investissement Québec
Loans, loan guarantees, equity, and quasi-equity for Quebec-based businesses. Sector-specific and regional programs available.
Varies by program
PROVINCIAL — BASED ON YOUR PROVINCE
Province-specific programs
Every province offers its own financing programs. The platform automatically identifies those applicable to your location and industry.
Automatic matching
Support
Don't just want a report?
We handle your entire file.
We prepare your complete file and match you with a licensed broker from our network to maximize your approval chances.
- Complete pre-analysis of your file with the FinReady platform
- Professional preparation of the full financing package
- Identification and solicitation of suitable financial institutions and programs
- Negotiation of terms, rates, and guarantees on your behalf
- Support through to approval and fund disbursement
- Matching with a licensed broker from our network
$499
Complete file preparation.
$499 for professional preparation of your complete file. We then match you with a licensed broker from our network who handles lender solicitation and negotiation. Broker commission (1-3% of financed amount) is payable on success only.
Request full-service support →
Methodology
Built on Canadian financial industry standards.
Our evaluation criteria are aligned with the analysis frameworks used by Canadian financial institutions, venture capital firms, and government agencies.
19
Criteria aligned with Canadian banking frameworks
30+
Federal and provincial programs referenced
ISO
Data privacy and security standards respected
0
PDF documents kept — immediate deletion
Pricing
Invest in your preparation.
A well-prepared file means better-negotiated financing — especially in the current favourable rate environment.
Single analysis
$49
Per report
- 1 complete analysis
- 6-page report
- Score and verdict
- Recommended programs
Pro
$99 /mo
Unlimited analyses
- Unlimited analyses
- Full report
- Financing simulator
- Personal balance sheet
- Programs and action plan
Firm
$149 /mo
For advisors and accountants
- Everything in Pro
- Multi-client management
- White-label reports
- Analysis history
- Priority support
Support
$499
Preparation + broker matching
- Complete analysis included
- File preparation
- Licensed broker matching
- Process follow-up
- Broker commission on success
Results
Better-prepared businesses. Better-financed growth.
★★★★★
"We walked into our bank with the FinReady report. The director said he had never seen such a well-prepared file from an SME. Financing approved in 10 business days."
★★★★★
"The financing simulator helped us understand our real capacity before even talking to the lender. We took advantage of current rates to lock in excellent terms."
★★★★★
"I use FinReady for all my clients. The report identifies weaknesses, recommends the right federal and provincial programs, and the support team matched three clients with brokers last month."
Partners
Business credit cards — curated offers
Compare the best business credit cards to optimize your cash flow and maximize your rewards.
💳
Business card — Cash back
Up to 2% cash back on all business purchases. Ideal for operating expenses and working capital management.
Coming soon
✈️
Business card — Travel and points
Earn points on every dollar spent. Business travel insurance and airport lounge access included.
Coming soon
🏢
Business card — Enterprise
High limit, multi-employee management, automated expense reports, and integration with your accounting software.
Coming soon
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FAQ
Frequently asked questions
Upload your financial statements in digital format, fill out a personal balance sheet on-screen, and the platform analyzes your file across 12 financial criteria. You receive a complete 6-page report with a feasibility score, final verdict, and recommended federal and provincial financing programs in minutes.
Your PDF documents are deleted immediately after analysis. If you opt in, an anonymized version of your financial ratios (no original documents) is kept so you can track your score over time and receive alerts when new programs match your profile. You can withdraw your consent at any time.
FinReady covers small and medium-sized enterprise financing applications between $50,000 and $5,000,000, whether for a bank loan, investment, acquisition, or business transfer.
No. FinReady is a pre-analysis tool that strengthens your file before meeting with your financial institution. It complements your accountant's work and helps you show up better prepared.
Absolutely. The analysis adapts to your context — startup, growth, acquisition, or succession. The evaluation criteria, financing structure, and recommended programs adjust accordingly.
After the analysis, we prepare your complete file ($499) and match you with a licensed broker from our network. The broker handles lender solicitation and terms negotiation. Broker commission (1-3% of financed amount) is payable on success only.
Yes. The platform references over 30 federal and provincial programs, including Investissement Québec, local development funds, and equivalents in every Canadian province. Programs best suited to your situation, location, and industry are recommended automatically.
The current relatively low interest rate environment offers advantageous financing conditions for SMEs. Preparing your file now allows you to lock in better terms and reduce the total cost of your financing over its full duration.
Ready?
Your financing starts with a solid file.
Analyze your financial position now and walk in with a file lenders respect — or let us prepare the complete package.