Resource · Free guide
Small business financing,
demystified.
A plain-English roadmap to the financing options Fraser Valley businesses actually use — Community Futures, BDC, CSBFL, lines of credit, equipment loans, and commercial mortgages. We don't lend money. We make sure you walk into the right lender with the right package.
How we help
We point you to the right lender — and prep the books to get a yes.
Lender-ready financials
Clean, current bookkeeping is the #1 reason loans get approved. We close your books monthly so you're always ready to apply.
Right product, right amount
LOC for short-term cycles. Term loan for assets. CSBFL when you need leverage. We model it before you apply.
Cash-flow forecasts
Lenders fund forecasts, not history. We build the 12–24 month projection your banker actually wants to see.
No commissions, no kickbacks
We don't take referral fees from lenders. The recommendation you get is the one that's best for your books.
The six programs that fund Fraser Valley businesses
Pick the one that fits — or click to expand.
Rates and limits below are typical 2025 ranges. Actual terms depend on your file, your sector, and the lender's appetite that quarter.
Best for
Buying equipment, fixing up a leased space, or purchasing commercial property
The Canada Small Business Financing Program (CSBFP) is delivered by your chartered bank or credit union — not by the government directly. Ottawa shares the loss with the lender (typically 85/15), which is why banks approve CSBFL applications they'd otherwise decline. We help you package the application so the lender can move fast.
Official program pageStrengths
- Government-backed — banks say yes more often
- Up to $1M for equipment, real property & leaseholds (max $500K for non-real-property)
- $150K sub-limit for intangibles & working capital
- Terms up to 15 years (real property) or 10 years (equipment)
Watch-outs
- ·2% one-time registration fee (can be financed)
- ·Strict eligible-use rules — no inventory, no refinancing existing debt
- ·Personal guarantee limited to 25% of loan
A 60-second self check
Which program fits your situation?
If you're thinking…
"I'm just starting out and the bank said no"
Start with your local Community Futures office. They specialize in early-stage and underserved borrowers, include coaching, and can fund up to $150K.
If you're thinking…
"I need a truck, oven, or machine to grow"
If credit is strong, a specialty equipment lender is fastest. If you want lower rates and longer terms, ask your bank about CSBFL.
If you're thinking…
"My receivables come in lumpy — I just need a cushion"
Size it to one full operating cycle. Use it for working capital only; finance long-term assets with a term loan instead.
If you're thinking…
"I want to renovate or fit out a leased space"
The CSBFP covers leasehold improvements up to the program limits — and banks lean in because of the government guarantee.
If you're thinking…
"I'm scaling — multi-location, acquisition, or major capex"
Layered financing: bank provides the LOC and core term loan; BDC stretches amortization and takes the patient piece.
If you're thinking…
"I want to buy the building I operate from"
Combine a conventional commercial mortgage with the CSBFP real-property portion (up to $500K) for the best blended rate.
Free 30-minute consult
Not sure which one fits? Let's talk through it.
Bring your books (or your shoebox). We'll walk through your numbers, sketch a financing path, and tell you exactly what your lender will want before you apply.
Replies within one business day · No obligation
Important: Averon Accounting is not a lender, mortgage broker, or registered financial advisor. We provide bookkeeping and cash-flow consulting that helps you qualify for and apply to third-party lenders. Loan amounts, rates and terms shown are typical ranges as of 2025 and are illustrative only — confirm current terms directly with each lender.