Max Liu, CFA
Business Financing Strategist
Financing Strategy

Applying for your first
business loan in Canada?

We help you turn a business idea into financing materials that banks can understand and evaluate. Banks do not finance ideas — they finance businesses that present a clear strategy, realistic projections, and a credible path to repayment.

Max Liu, CFA, brings experience across banking, corporate finance, accounting, and investment analysis. He previously served as an Ex-CIBC Imperial Service Advisor and has over 20 years of experience as a Controller and senior finance professional.

He has helped clients with no prior operating experience successfully obtain financing under the Canada Small Business Financing Program (CSBFP). The key was never perfect conditions — it was presenting a clear, credible case that lenders could evaluate.

CFACharterholder
MBADegree
20+Years Finance
CIBCImperial Service Advisor
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Max Liu, CFA
Max Liu, CFA
Diagnosis

Why many loan
applications fail

Most entrepreneurs do not fail because their idea is weak. They fail because their applications are not prepared from a lender's perspective.

01

No established business history

02

No financial statements

03

No proven cash flow

04

A business plan that tells a story instead of answering a lender's questions

05

Unclear loan structure, equity contribution, or repayment capacity

06

Projections that are too high and not realistic

As a result, many applications are declined or stalled before they reach serious underwriting.

Our Service

How we help

We help Canadian small and medium-sized businesses — especially first-time applicants — prepare a complete, lender-ready financing package.

01

Financing Strategy

Aligning the funding request with how commercial lenders actually evaluate risk.

02

Financial Modeling & Stress Testing

Testing cash flow, debt capacity, and repayment ability under realistic scenarios.

03

Business Plan Development

Building the numbers first, then the narrative — not the other way around.

04

Full Loan Application Packaging

A complete, coherent financing proposal ready for serious underwriting.

Our goal is not simply to produce documents. It is to present the business in a way that lenders can assess, understand, and seriously consider.

Next Step

Not sure whether your project is financeable?

Start with a complimentary consultation.

Book a Free Consultation