Financial intelligence for Indigenous business leaders
Perspectives on capital, transactions, and financial leadership, written for owners and boards making real decisions.
What a credit committee actually reads
A lender's decision is made by people who will never meet you. Here is the order they read your file in, and where most Indigenous-owned businesses lose the room.
Stack the non-dilutive capital before you borrow
Grants, contribution agreements and loan guarantees change the shape of the deal that follows them. Sequencing matters more than the size of any single program.
Buy-side diligence for a first acquisition
The seller's numbers are a marketing document until you test them. A practical sequence for the first ninety days of an acquisition, written for owners who have not bought a company before.
When a fractional CFO actually pays for itself
Not every company needs one. The trigger is not revenue, it is the number of decisions per month that depend on numbers you do not yet trust.
Reading a term sheet before you call the lawyer
Economics get the attention. Control provisions decide who owns the company's future. A plain-language pass over the clauses that matter most.
Financing a share of a major project
Equity participation in energy, infrastructure and resource projects is the largest capital opportunity open to Indigenous communities in Canada. It is also the least forgiving.