Ragency builds the case for your business — the plan, the numbers, the application — to the standard Canadian lenders actually fund.
They get rejected because the numbers don't reconcile with the narrative. Because the cash flow forecast shows a negative balance in month seven. Because the business plan reads like a template downloaded at 11pm, and the financials read like they were built by someone who has never seen the actual Futurpreneur workbook.
Lenders are not adversaries. They are pattern-matchers. They have read hundreds of plans, and they know within minutes whether yours was written by someone who understands how their capital moves — or by someone hoping enthusiasm will compensate for structure.
A strong application is not a longer application. It is one in which every figure has a footing, every assumption has a source, and the founder's story and the founder's spreadsheet say the same thing.
Each engagement is scoped to a specific lender and a specific decision. Nothing we deliver is generic.
A lender-ready narrative document built around your specific application. We write the market analysis, operations plan, marketing strategy, and management summary in the structure Canadian lenders expect, with the level of specificity they require. No filler chapters, no recycled industry boilerplate.
Twenty-four-month forecasts built directly in the Futurpreneur Canada and BDC templates — not a generic spreadsheet exported to look similar. We model startup costs, monthly sales ramp, COGS, fixed and variable expenses, owner draws, loan servicing, and GST/HST remittance so that cumulative cash flow stays above zero and every assumption is defensible under questioning.
A concise visual companion to the written plan, designed for in-person presentations to lenders, mentors, and review panels. We translate the plan's strongest arguments into ten to fifteen slides built for the room you will actually be in — not a Sand Hill Road pitch competition.
For founders who have already drafted their materials and want a second set of eyes before submission. We audit the plan, the model, and the application form for internal consistency, lender alignment, and the specific weaknesses that get applications sent back for revision — and return a marked-up document with prioritized fixes.
Hourly strategy calls for specific questions: which lender to approach, how to handle a co-applicant, how to revise after a soft decline, whether to apply to Futurpreneur's Side Hustle stream or the standard program. Discrete, focused, and useful — not a sales call disguised as advice.
We have built submissions for the templates below often enough to know their quirks — the Year 1 row offsets, the recalculation order, the questions reviewers ask twice.
Every engagement follows the same arc. We tell you what comes next, when it lands, and what is needed from you to keep the timeline on track.
A ninety-minute working session — in person where possible, video otherwise — to understand the business, the lender, the timeline, and the founder. We leave with a scoped engagement memo and a list of documents to gather.
Week 1We write the plan. Market sizing is researched from primary sources where the data exists, and triangulated where it doesn't. Operations and marketing sections are built from interviews, not templates. You receive a complete first draft for review.
Weeks 1–2The cash flow forecast is built in parallel and reconciled against the narrative. Every revenue line, expense line, and assumption is documented. The model is then stress-tested against a slower-ramp scenario before delivery.
Weeks 2–3Two structured revision rounds with written feedback. We hold the line on what lenders actually want to see and push back where founder enthusiasm would weaken the document. The goal is a submission you would defend in a room.
Weeks 3–4We package the final deliverables, walk through the lender's application form with you, and remain on call for the questions that inevitably come back from the review officer. The relationship doesn't end at delivery.
Through approvalWe have written for these industries enough times to know which assumptions a lender will challenge first.
The Futurpreneur cash flow workbook has a particular structure — Year 1 starts on a different row than Year 2, certain cells expect specific units, and recalculation order matters. We have spent enough hours inside that file to know its quirks cold, which means your reviewer sees a document that looks built by someone who has done this before.
The single most common reason applications come back for revision is that the plan claims one thing and the model assumes another. We treat the business plan and the cash flow as a single document with two formats. Every revenue projection ties to a sentence in the marketing section. Every expense ties to an operational decision.
A consultant who agrees with every founder assumption is not advising — they are transcribing. We will tell you when your year-one revenue is too ambitious, when your owner draw is too low to be credible, and when a section of your plan is hurting more than helping. That candor is the product.
We work in CAD. We know what CRA expects on the HST line. We understand the difference between a Futurpreneur Side Hustle application and a standard one. We build for the Canadian lending environment as a first principle, not as a US-template translation exercise.
If yours isn't here, send it through the contact form. We will respond in writing.
Tell us about the business and the lender. We will respond within one business day with a recommended scope and a calendar link for the discovery call.