When cash will come soon
Look at the cash coming in and going out.
Read the full details
When the need is a cash-flow timing gap
Working capital financing can support operating needs and gaps between incoming and outgoing cash. BDC describes eligibility as an individual assessment of the business and financing purpose, not a fixed formula that guarantees funding.
When debt is the problem
Start with the bill that is hard to pay.
Read the full details
When existing debt needs a review
BDC explains that refinancing can involve changing the structure or repayment terms of business debt. That is a discussion about the existing obligations and the business’s ability to repay, not proof that new borrowing solves the underlying problem.
Who should you ask?
See what to have ready and what to ask.
Read the full details
Choose the conversation you need
The primary enquiry on this page is for business turnaround guidance when obligations are becoming difficult. The separate funding path is for a working capital request. Your selection stays visible through the form; a debt-help request is not silently changed into a loan application.
What to have ready
- Is the cash gap tied to a specific expected receipt?
- Which supplier, tax or loan obligations are already overdue?
- Is the business incorporated, a partnership or a sole proprietorship?
- Are personal guarantees or formal notices involved? Discuss those with a qualified professional.
You do not need account numbers, your SIN, bank passwords, or files to start.
Will this assess whether my business is insolvent?
No. This is an enquiry, not a legal or insolvency assessment. A qualified professional would need to review the actual business circumstances. Do not treat this form as a response to a legal deadline.