CAPC Capital helps franchise owners, entrepreneurs, and growing businesses access the right capital — government-backed programs, institutional lenders, asset finance, and everything in between. We don't work for banks. We work for you.
Whether you're investing in your first franchise location, expanding an existing operation, or refinancing for better terms — we have the right structure and the lender relationships to make it happen.
CSBFP and BDC programs exist to help Canadian businesses grow. We handle your eligibility assessment, documentation, and full lender submission — with a 95%+ approval rate on CSBFP applications.
Explore →Cash flow gaps can derail even strong businesses. We structure revolving lines of credit tailored to your operating cycle, revenue profile, and seasonal needs.
Explore →Our CPA-prepared business plans include three-year financial projections, market analysis, and a structured funding request — packaged so lenders can move faster and approve with confidence.
Explore →Need new equipment, vehicles, or leasehold improvements without draining your operating capital? We structure asset and equipment financing that keeps your cash flow intact.
Explore →We understand franchise models at a level other advisors don't. From franchise fee financing to multi-unit expansion capital — we know what franchisors require and what lenders want to see.
Explore →Growing businesses need capital that scales with them. We advise on commercial term loans, acquisition financing, working capital, and real estate — structured for your timeline and goals.
Explore →Most business owners take whatever their bank offers. They don't know what else is available — and don't have time to figure it out. Our team has sat on both sides of the desk. We know how credit decisions actually get made, where there's room to negotiate, and how to position your application to turn "maybe" into "yes."
Start the ConversationRob and the CAPC Capital team got us approved for a CSBFP loan when our bank had already said no. They knew exactly how to position the application and got us funded within 6 weeks. I can't recommend them enough.
The business plan they prepared was unlike anything I'd seen — it was genuinely bank-ready. The projections were defensible, the narrative was compelling, and we had three lenders competing for our deal within two weeks.
What I appreciated most was that they didn't just get us the money — they made sure we understood the structure, the covenants, and exactly how to service the debt while growing. Real advisory, not just paperwork.
Every business has a different story, different timing, and different lenders. We navigate the full Canadian financing landscape on your behalf — and get lenders competing for your deal.
Discuss Your Financing NeedsPrograms like the Canada Small Business Financing Program (CSBFP) and the Business Development Bank of Canada (BDC) exist to help businesses grow — but the paperwork, eligibility rules, and documentation requirements can bury you before you ever get to a lender.
We've helped clients achieve a 95%+ CSBFP approval rate because we understand exactly what lenders need to see, how to present your financials, and how to structure the request to maximize approval probability.
Apply NowWe review your financials, business model, and funding goals to determine what you qualify for and which programs and lenders are the best fit.
We structure your funding request strategically — preparing your business plan, projections, and application to maximize approval probability.
We submit your application to the right lenders — leveraging our established relationships to get faster responses and better terms.
We don't disappear at approval. We help you understand the terms, structure your repayment, and plan for the next stage of growth.
Revolving credit facilities for operating expenses, inventory, payroll, and seasonal cash flow needs. We match you with lenders who understand your business cycle.
Finance the equipment, vehicles, and leasehold improvements you need without straining cash flow. Operating leases, finance leases, and chattel mortgages structured to your advantage.
Purchasing or refinancing commercial property? We structure commercial mortgage financing through banks, credit unions, and private lenders at competitive rates.
Better rates, better terms, or consolidating existing debt — we review your current financing and identify opportunities to reduce your cost of capital.
Buying an existing franchise location or business? We structure acquisition financing — including vendor take-back arrangements and bank term loans — to get the deal done.
When traditional banks aren't the right fit, we have relationships with alternative and private lenders who move faster and consider a broader range of credit profiles.
From first location to fifth — CAPC Capital understands how franchise models work, what lenders want to see, and how to get your deal funded at every stage of growth.
Talk to a Franchise Capital SpecialistMost financing advisors treat a franchise application like any other small business. We don't. As part of the CAPC ecosystem and the exclusive Canadian partner of dt group — the UK's leading franchise accounting firm — we understand franchise unit economics, FDD structures, royalty obligations, and what franchise lenders at Canadian banks are specifically looking for.
That means your application is positioned more accurately, more credibly, and more competitively than anything a generalist advisor could produce.
Get FundedWe work directly with Canadian franchisors to establish preferred supplier relationships that benefit your entire network. When your franchisees have access to a specialized capital advisor, they fund faster, structure better, and grow more sustainably.
We establish preferred supplier agreements with Canadian franchisors — giving your franchisees access to a dedicated capital specialist who understands your brand's unit economics and FDD.
New franchisees entering your system often need financing guidance from day one. We provide concierge-level financing advisory as part of your onboarding process.
Financially distressed franchisees threaten your royalty stream. Our proactive financing advisory keeps your franchisees healthy — and your royalties flowing.
We attend major Canadian franchise events — CFA, CFIB, and regional shows — representing your preferred supplier agreement and connecting with prospective franchisees on your behalf.
CAPC Capital is part of the CAPC group of companies — alongside dt group Canada (franchise accounting & advisory) and Côté & Associates (tax & compliance). When your franchisees work with us, they get integrated financial support that no single-service competitor can match.
CPA-prepared, bank-ready business plans with three-year financial projections, market analysis, and a structured funding request — packaged so lenders can approve with confidence.
Request a Business PlanMost business plans fail not because the business idea is bad — but because the financials aren't defensible, the market analysis is thin, or the funding request isn't structured the way lenders think. Our CPA-prepared plans are built to survive lender scrutiny.
Every plan includes clear market analysis, three-year financial projections with assumptions documented and defensible, and a structured funding request that tells lenders exactly what you need, why you need it, and how you'll service the debt. We've written plans for franchise acquisitions, multi-unit expansions, new business startups, and established businesses seeking growth capital.
Start Your PlanBuilt around your franchisor's FDD and unit economics — positioned for CSBFP, BDC, and chartered bank franchise lending teams.
Consolidated projections across multiple locations, with individual unit performance, debt serviceability analysis, and lender rollup presentations.
First-time entrepreneurs need defensible projections even when there's no operating history. We build credible assumptions grounded in industry benchmarks.
Buying an existing business or franchise location? We prepare acquisition analysis, valuation support, and financing structure for business purchases.
For franchisors raising capital to grow their Canadian network — investor-ready plans with system-wide financials, franchisee performance data, and expansion projections.
Restructuring existing debt or seeking better terms? We prepare updated financial packages that present your current position in the most competitive light.
CAPC Capital is Canada's franchise-specialist business financing advisor — part of the CAPC group of companies serving franchise owners and SMEs from coast to coast.
CAPC Capital is the business financing arm of the CAPC group — operated alongside Côté & Associates Professional Corporation, Canada's leading franchise accounting practice, and dt group Canada, the exclusive Canadian licensee of dt group UK (the UK's #1 franchise accounting firm).
Led by Rob Lockie, CPB, CPBA — Canada's Managing Partner — our team brings deep expertise in Canadian business financing, franchise capital, CPA-grade financial planning, and lender relationships that span the major chartered banks, BDC, CSBFP, and alternative lenders.
We are proud members of the Canadian Franchise Association and regular participants in major franchise trade shows and industry events from Vancouver to Halifax — because showing up in person is how lasting advisory relationships are built.
We are not affiliated with any lender. Our recommendations are based entirely on what's right for your business — never on who pays us the highest referral fee.
We focus on franchises and Canadian SMEs. That focus makes us better at it than any generalist financing broker.
All fees, referral arrangements, and lender relationships are disclosed upfront. No surprises, ever.
Capital without accounting context is incomplete. Our connection to dt group Canada and Côté & Associates means your financing always aligns with your tax and compliance strategy.
Practical guidance on business financing, franchise capital, and funding strategy from our advisory team.
The CSBFP is one of the most powerful tools available to Canadian franchisees — and most don't use it to its full potential. Here's the inside guide.
Both programs exist to help Canadian businesses grow — but they serve different needs. Here's how to choose the right one for your situation.
Multi-unit expansion changes the financing equation significantly. Here's what lenders look for when you're growing beyond your first location.
The most common reasons lenders pass on business plans have nothing to do with the quality of the business. They're fixable, if you know what they are.
Most business owners focus on profitability. Lenders focus on cash flow. Understanding the difference is the key to getting approved.
Disconnected financial advice costs Canadian business owners money every year. Here's the case for an integrated approach to capital and tax strategy.
Book a free, no-obligation consultation with one of our Canadian franchise capital specialists. We typically respond within one business day.
Tell us about your business and financing needs — we'll match you with the right specialist and get back to you within one business day.
Free consultation · No obligation · Typically respond within 1 business day