FINANCING TOOLS
Put numbers to your project.
Calculate, compare and prepare your application. Practical guidance before our first conversation.
BUSINESS PERFORMANCE
Seven metrics. Better-informed decisions.
Choose a metric and use consistent data from the same period. All amounts are in Canadian dollars.
EBITDA
Isolate earnings before interest, income taxes, depreciation and amortization.
All fields are required. Enter 0 where an item does not apply.
Enter a loss as a negative number.
Not sales tax. Enter an income tax benefit as a negative number.
If depreciation and amortization are combined, enter the total above and 0 here.
Complete the fields to see the result.
EBITDA = net income + interest + income taxes + depreciation + amortization
Add back only expenses already included in net income, once each. EBITDA is neither available cash nor adjusted earnings; it does not account for capital expenditure, working capital or principal repayments.
Reference · BDC01 / REAL ESTATE
Estimate your equity.
Declared value less secured debt.
Equity is not borrowing capacity or a financing offer. A negative result indicates a shortfall. Selling costs excluded.
02 / PAYMENTS
Explore your payments.
Illustrative convention: nominal annual rate divided by 12, monthly payments. Fees excluded. Your entered rate is not an XPND offer; contract terms may differ.
What remains after fees.
Estimate proceeds based on a proposed new loan and the debts to be paid off.
Enter 0 if no debt will be paid off.
Exclude debts repaid above. Blank = $0.
Complete the required fields to see results. Blank fees are treated as $0.
Include applicable legal fees, penalties, reserves and other costs. This tool does not determine them.
Discuss my refinancingSee what time costs.
Explore the duration of a bridge loan using simple interest.
Complete the required fields to see results. Blank fees are treated as $0.
Convention: principal × annual rate × days ÷ 365. No interim repayments or compounding. Extensions may involve other fees not calculated here.
Discuss my bridge projectTwo scenarios. One common basis.
Compare the same amount, term and repayment type.
Complete the required fields to see results. Blank fees are treated as $0.
Nominal annual rate ÷ 12, monthly payments, constant rate. Fees paid separately, not financed. Cost excludes principal repayment and is not an effective annual rate. Also compare security, penalties and exit terms.
Plan your cash flow.
A simple projection based on monthly cash receipts and payments.
Include expected cash outflows: operations, taxes, purchases and investments.
Optional. Blank = $0.
Optional. Blank = $0.
Enter opening cash, receipts and outflows.
Identical monthly flows, without new financing. Seasonal changes and needs within each month are not modeled. The result is not borrowing capacity.
Discuss my needsYour file, step by step.
Check what you have prepared. This list guides the first conversation; it is not a final list of requirements.
Your selections stay on this page. No documents are uploaded.
The form receives your profile and selected need. Checked items are not transmitted.
Prepare our conversation
First-position mortgage
For purchasing or refinancing a property with a first-position mortgage.
Useful information to prepare
- Property value and existing debt
- Amount and timeline
- Repayment plan
This guidance is not financing approval. Every application is subject to review.
Solutions at a glance.
| Solution | Need to consider | Discussion points |
|---|---|---|
| Private mortgage | Purchase or refinancing | Property and existing debt |
| Bridge loan | Transition before sale or refinancing | Repayment plan |
| Line of credit | Recurring cash-flow needs | Operations, revenue and commitments |
| Factoring | Financing receivables | Invoices and debtor quality |
General guidance. Security requirements and terms are determined for each application.
From project to financing.
Share your needs, requested amount and project location. A short enquiry starts the conversation.
Illustrations in Canadian dollars. Your entered rates and amounts are not XPND offers. Actual terms depend on application review. Inputs stay on this page and are cleared when it reloads.
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