Ontario & Canada-Wide · Performance-Based

Unlocking Hidden Capital & Government Incentives for Canadian Corporations.

We optimize your cash flow, fund your equipment assets, and recover the CRA tax credits standard year-end filings routinely overlook. Zero upfront fees. 100% performance-based.

48hr equipment funding 24hr invoice liquidity $0 if we find nothing
Capital Assessment
Equipment Lease Approved
$120,000 CAD
Factoring Liquidity Unlocked
$85,000 CAD
CRA SR&ED Recovery (est.)
$142,000 CAD
The Toolkit

Four levers that pull working capital back into your business.

Most operators leave capital sitting in idle assets, slow receivables, unclaimed tax credits, and untapped provincial programs. We free up all four.

Asset & Equipment Financing

Rapid Canadian Asset Procurement

Don't drain your operating account to expand your footprint. Secure the heavy machinery, commercial trucks, or specialized software your business needs — typically within 48 hours. We handle the paperwork; our network of Canadian lending partners supplies the capital.

Best for: Transport fleets, construction contractors, GTA machine shops.
Invoice Factoring & Liquidity

Immediate Invoice Advancing

Stop waiting 60–90 days for your corporate Canadian clients to pay. Turn unpaid invoices into cash within 24 hours — we advance up to 90% of invoice value so you can fund payroll and buy materials now.

Best for: B2B companies with rapid growth or long payment cycles.
SR&ED Tax Credit Recovery

Scientific Research & Experimental Development

If your team custom-modifies machinery, troubleshoots genuine technical production roadblocks, or builds proprietary software, you may be entitled to significant cash back from the CRA. Our SR&ED specialists audit your eligibility risk-free — you pay only on a successful recovery.

Best for: Advanced manufacturing, food tech, automation, Canadian software developers.
Ontario Manufacturing Incentives

Provincial Credits & Grants

Buying machinery, equipment, or a building for manufacturing in Ontario? The Ontario Made Manufacturing Investment Tax Credit (OMMITC) returns 15% refundable on eligible capital — up to $3M/year for CCPCs. For larger expansions, the AMIC stream offers competitive provincial funding. We map which programs you actually qualify for.

Note: OMMITC requires a CCPC with an Ontario presence and is claimed on your return — not automatic. AMIC is competitive (3+ yrs, 10+ staff, $500k+ projects) and largely a forgivable loan, not a simple grant.
Recovery Estimator

Estimate the capital you may be leaving on the table.

A directional estimate only — not a quote or a guarantee. Real SR&ED eligibility depends on which of your activities meet CRA's definition of experimental development, confirmed during a free assessment.

$
Total wages for staff who could touch development work — not your whole company.
20%
Be honest. Routine production, standard operation, and repeat builds do not qualify. For most shops the genuinely eligible portion is 10–30%.
$
Receivables from creditworthy B2B clients you're currently waiting on.
Estimated SR&ED cash recovery (CRA refund)* $0
Invoice liquidity available — advance, not new capital† $0
Refund + available advance $0
*SR&ED: estimated as eligible labour × ~62% — the approximate cash an Ontario CCPC recovers on eligible salary under the proxy method (refundable federal ITC + Ontario credits). On $100K eligible salary: +55% proxy = $155K pool → OITC (8%) $12,400 + federal ITC (35%, after provincial credits) ≈ $48,160 ≈ ~$60–65K back. Critically, this applies only to the experimentation portion of your payroll (the slider) — not total shop time, most of which is routine production and does not qualify. Assumes CCPC, Ontario, proxy method, within the $6M federal / $3M Ontario limits, no IRAP offset. Directional estimate, not tax advice or a quote.

†Liquidity is an advance against invoices your clients already owe — repaid when they pay, less a factoring fee. It is not new or "found" money, which is why it's shown separately, not summed as recovered capital. Advance at 85% of receivables.
Eligibility Matrix

The line between a real SR&ED claim and a denied one.

The test isn't your industry — it's whether you faced genuine technological uncertainty and resolved it through systematic experimentation.

Likely Qualifies

Genuine technical uncertainty, resolved through trial and iteration.

A plastic extrusion shop in Brampton altering a standard German machine to run a new recycled polymer blend.
A logistics firm in Mississauga writing custom code to sync a legacy database with a new customer portal.
A commercial bakery in Vaughan adjusting oven humidity profiles and ingredient ratios over months to stop a new product from collapsing.

Does Not Qualify

Routine purchases and standard operation — no technological advancement.

A retail bakery buying a standard industrial mixer and using it exactly as the manufacturer instructs.
A transport company buying an extra delivery van without modifying its mechanical systems.
A firm doing standard, everyday bookkeeping or general accounting.
Results

What a recovery can look like.

Illustrative scenarios. Replace with real, client-approved figures before launch.
Precision Machine Shop · GTA

Customizing a CNC line for aerospace titanium

A tool-and-die manufacturer in Vaughan spent months, through trial and error, customizing their CNC line to handle aerospace-grade titanium.

Outcome
Recovered $134,000 in back-dated SR&ED credits, plus a $250,000 asset line for two additional machines.
Logistics Operator · Brampton

Surviving a 90-day payment term on a major contract

A freight fleet won a major corporate contract but was drowning — the client required 90-day terms, making weekly driver payroll impossible.

Outcome
An invoice factoring facility unlocked $85,000 in liquid cash within 24 hours of delivery, stabilizing weekly operations.

Stop leaving your corporate capital in government vaults and unpaid invoices.

Our preliminary assessment takes about 10 minutes over the phone. If our review finds zero uncollected credits and we can't optimize your funding, you pay nothing.

Book Your 10-Minute Capital Assessment →
No upfront fees · No obligation · Ontario & Canada-wide