What we write

Plans for every kind of Canadian loan.

We write to the format your lender expects. Pick the closest fit below — or call us if you're not sure.

Stack of bound business plan books — Bridge Note services

Startup business plan

First-time founders applying for a business loan.

First-time entrepreneurs face the highest underwriting scrutiny because there is no operating history to lean on. The plan has to prove the model on paper — defensible market sizing, realistic revenue ramp, sensitivity analysis on the financial assumptions, and a credible repayment narrative against the requested loan amount. We write Canadian startup plans that align with BDC's Small Business Loan, CSBFP, and big-bank small-business underwriting expectations.

Lender programs

· BDC Small Business Loan
· Big-bank business loan
· CSBFP

Includes

· 3-year financial projections (monthly Y1, quarterly Y2–3)
· Market and competitive analysis with Canadian data
· Operations and team narrative
· Revenue and assumptions model with sensitivity scenarios
· Risk plan with mitigations tied to scenarios

Turnaround

5–7 business days

Expansion / working capital plan

Existing businesses applying for growth or equipment financing.

Established Canadian businesses applying for expansion financing have a different burden of proof than startups — historical financials carry most of the credibility, but the use of funds and repayment plan still need to hold up under underwriting. We write expansion plans that integrate your existing financials with realistic forward projections, explain the strategic reason for the capital, and document a clear repayment source.

Lender programs

· BDC growth financing
· CSBFP equipment financing
· Big-bank line of credit
· Commercial real estate loans

Includes

· Current-state financials with trend analysis
· Growth scenario modeling (base / downside / upside)
· Line-itemed use of funds breakdown
· Repayment narrative tied to incremental cash flow
· Working capital and DSCR projections

Turnaround

5–7 business days

Immigrant entrepreneur plan

Newcomers applying for SUV (when reopened), Owner-Operator LMIA pathways, PNP entrepreneur streams, or paired business loan and immigration applications.

Canadian immigration entrepreneur plans must satisfy two audiences: the immigration officer evaluating the applicant's economic contribution and program eligibility, and (often) the lender funding the business itself. The plan structure differs significantly from a standard loan plan — job creation, settlement intent, active management, and program-specific criteria sit alongside the financial section. We write to current IRCC and ESDC formats, and the plan flexes between provincial nominee streams as eligibility and intake quotas shift.

Lender programs

· Start-Up Visa Canada (when intake reopens)
· Provincial Nominee — entrepreneur stream
· Atlantic Immigration Program
· Big-bank business loan (paired)
· BDC newcomer entrepreneur loan

Includes

· Program-specific format (IRCC / provincial)
· Job creation narrative tied to financial model
· Settlement and active-management sections
· Investor / designated organization integration (when applicable)
· Bilingual French / English versions when required

Turnaround

7–10 business days

Franchise loan plan

Franchisees applying for the funds to buy a franchise location.

Franchise financing in Canada requires the plan to integrate the franchisor's disclosure document, royalty and marketing-fund structure, and territory rights with the franchisee's operational and financial model. Lenders with dedicated franchise teams (RBC, Scotiabank, BDC's Franchise Loan Fund, TD) review against published unit economics from the FDD's Item 19. We write plans that satisfy both standard-lender and franchise-team underwriting paths.

Lender programs

· BDC Franchise Loan Fund
· RBC Franchise Finance Group
· Scotiabank Franchise Banking
· CSBFP
· Big-bank franchise programs

Includes

· Franchisor model and FDD integration
· Royalty, marketing fund, and territory analysis
· Buildout, opening, and working capital cost breakdown
· Owner-operator credentials and operating experience narrative
· Multi-unit area developer modeling (when applicable)

Turnaround

5–7 business days

Business acquisition plan

Buyers acquiring an existing Canadian business.

Acquisition plans differ from startup plans in fundamental ways — historical performance of the target business is the central evidence, valuation methodology must be defensible, vendor takeback structures need explicit treatment, and the integration plan is its own scored section. Lenders financing acquisitions (BDC Business Purchase or Transfer Loan, big-six commercial divisions, CSBFP for asset purchases) want to see due diligence findings, transition risk mitigations, and combined-entity projections in the plan body.

Lender programs

· BDC Business Purchase or Transfer Loan
· BDC Growth & Transition Capital
· CSBFP (asset purchases)
· Big-bank acquisition loans

Includes

· Target business analysis with 24+ month historical context
· Valuation methodology (EBITDA multiple, asset-based, comparables)
· Transition and integration plan
· Combined-entity projections with debt service
· Source and use of funds (equity, senior debt, vendor takeback)

Turnaround

7–10 business days