CFM Insights
Practical insights for business owners, real estate investors and private clients navigating financing, acquisitions, capital raising and complex financial decisions.
Featured Insight
Commercial Real Estate
Commercial real estate financing is evaluated very differently from a residential mortgage. Property cash flow, debt-service coverage, loan-to-value, borrower strength and the underlying asset all influence how lenders assess a transaction.
This guide explains how commercial real estate financing works, what lenders look for and how borrowers can prepare before approaching the market.
M&A & Transaction Advisory
How buyers test a transaction, how sellers prepare, and how findings can affect valuation, financing, structure and closing terms.
M&A & Transaction Advisory
What an M&A advisor does, when to engage one, and how to assess whether a full sale mandate makes sense.
Commercial Real Estate Finance
How lenders adjust net operating income and use DSCR, loan-to-value, debt yield, rates and amortization to determine commercial mortgage proceeds.
Business & Acquisition Financing
What lenders assess in an acquisition, including normalized EBITDA, buyer equity, valuation, vendor financing, due diligence and post-closing liquidity.
Capital Raising
How warrants work, why companies issue them and what issuers and investors should consider before structuring or evaluating a financing.
M&A & Transaction Advisory
Sebastien Charles, CPA, MBA · Approximately 11 minutes
How buyers and lenders assess add-backs, deductions, replacement management, capital expenditures and sustainable cash flow.
Private Capital
Who qualifies as an accredited investor, what private opportunities may be available and what risks should be considered before investing.
Capital Markets
Learn how the TSX Venture Exchange CPC program works, what happens in a Qualifying Transaction and when this route may suit a Canadian private company.
Business & Acquisition Financing
Acquisition financing often involves more than a conventional business loan. We examine senior debt, vendor financing, buyer equity and other sources of capital that can be combined to finance a business acquisition.
Capital Raising
Choosing between debt and equity can affect ownership, cash flow, risk and the future flexibility of a business. We look at the considerations that should drive the capital decision.
M&A & Transaction Advisory
Preparing a company for sale should begin well before approaching potential buyers. Financial reporting, management dependence, customer concentration and transaction structure can all influence value and deal certainty.
Private Client
Traditional lending models do not always reflect the financial strength of entrepreneurs and self-employed professionals. We examine how lenders evaluate complex income, corporate ownership, investments and overall net worth.
The CFM Perspective
CFM Insights brings together practical perspectives from financing, accounting, business ownership, real estate and transaction advisory.
Our objective is not to report financial news or produce generic financial content. It is to help business owners, investors and private clients better understand how financing and transactions actually work — what lenders and capital providers look for, how opportunities can be structured and where challenges often arise.
The better a client understands the transaction, the better prepared they are to make the right decisions.
An article can provide perspective. A conversation can address the specifics. Tell us what you're trying to accomplish and we'll determine whether CFM can help.
Confidential inquiries welcome.
