More Options.Quicker
Results.

Tired of spending time and resources waiting a really long time for your lender to under deliver? FiFlows lets you apply one time, while accessing every option available.

Our expertise in Commercial Lending allows us to provide you with quick accurate feedback and engage each lender with exactly what they need to make a decision.

We facilitate any Commercial Lending transaction. Total borrowings are typically $1,000,000+ but if you are unsure get in touch and we can advise.

Applications streamlined... Optimized.

Co-Ordination

We deliver every available option with our single application process.

Evaluation

Purpose built On-Boarding process for better, quicker, feedback.

Optimization

We can apply everywhere with exactly what each Lender requires

Use Cases

The reason for buying Commercial Real Estate varies and the approach at each lender must reflect that in order to ensure the most competitive Terms & Conditions are offered. 

We optimize to maximize: 

  • The Range of Available Lenders: Real Estate assets unlock the full range of available lenders including local Credit Unions, Chartered Banks, and Specialists. Even without a physical local presence parties may be interested. We ensure you see those options too.
  • The Range of Lending Type: Fully Owner-Occupied, Investment Real Estate, or Mixed Use can all find a home but are subject to different constraints. 
  • Structure Suitability: We line up financing to best match our client’s goals. If we need to preserve day 1 cash-in-hand or push rate as low as possible, we take that into account when building each application lender application.
  • The Range of Complexity: Different lenders are willing to offer unique Terms in specific industries, locations, or business circumstances. We help our clients navigate those changing waters to ensure every option emerges.

Most business owners approaching a lender because they are growing quickly are often surprised by the lack of a quick and positive approval. While some of the reasons are unavoidable, many are explainable. Other explanations simply fall on the wrong ears at the lender.

We ensure that the story gets explained optimally (in Lender lingo) and if the Lender explanation reveals incompetence we rechannel it appropriately. 

The bottom line is that all lending will not get approved. We just believe there are far too many that can, but don’t. We fix that problem.

We optimize to maximize: 

  • The Range of Available Lenders: Company and Deal context are key to determining who will be interested, we evaluate the deal, suggest options, and engage as advised. We don’t discriminate between lenders finding our clients the best Terms & Conditions regardless of whether they come from local Credit Unions, Chartered Banks, and Specialists. Even without a physical local presence parties may be interested. We ensure our clients see those options too.
  • The Range of Lending Type: Unfortunately, local representatives aren’t always aware of the full depth of financing creativity their organization can bring. Others simply don’t exist in every market. By understanding the deal type and our client’s goals & constraints we ensure that the full range of deal structures are explored to best position our client for success.
  • Layered & Partnering Options: Lenders are often incentivized to fit their solution to company’s needs even when a more appropriate solution exists. Some Lenders do certain types of facilities better than others, when appropriate a multi-party approach can be optimal. We spot those opportunities and position them when available.
  • The Range of Complexity: Different lenders are willing to offer unique Terms in specific industries, locations, or business circumstances. We help our clients navigate those changing waters to ensure every option emerges.

When exiting a business, buying into a business, purchasing a business or merging with another business the optimal capital structure is likely to contain debt. Finding the most appropriate source and structure for that debt can significantly impact the cost of capital and overall economics of the deal.

Because those transactions are often complex, the level of Lender confusion can be high. Our value as a go between increases significantly as we position the deal optimally with as many interested parties as possible to ensure that competitive Lender behaviour emerges.

We optimize to maximize: 

  • The Range of Available Lenders: Company and Deal context are key to determining who will be interested, we evaluate the deal, suggest options, and engage as advised. We don’t discriminate between lenders finding our clients the best Terms & Conditions regardless of whether they come from local Credit Unions, Chartered Banks, and Specialists. Even without a physical local presence parties may be interested. We ensure our clients see those options too.
  • The Range of Lending Type: Unfortunately, local representatives aren’t always aware of the full depth of financing creativity their organization can bring. Others simply don’t exist in every market. By understanding the deal type and our client’s goals & constraints we ensure that the full range of deal structures are explored to best position our client for success.
  • Layered & Partnering Options: Lenders are often incentivized to fit their solution to company’s needs even when a more appropriate solution exists. Some Lenders do certain types of facilities better than others, when appropriate a multi-party approach can be optimal. We spot those opportunities and position them when available.
  • The Range of Complexity: Different lenders are willing to offer unique Terms in specific industries, locations, or business circumstances. We help our clients navigate those changing waters to ensure every option emerges.

Whether our clients are feeling neglected, are unhappy with Lender turnover, or simply want to make sure their existing relationship is optimal we lower the time & resource investment required to get market feedback.

We optimize to maximize: 

  • The Range of Available Lenders: Company and Deal context are key to determining who will be interested, we evaluate the deal, suggest options, and engage as advised. We don’t discriminate between lenders finding our clients the best Terms & Conditions regardless of whether they come from local Credit Unions, Chartered Banks, and Specialists. Even without a physical local presence parties may be interested. We ensure our clients see those options too.
  • The Range of Lending Type: Unfortunately, local representatives aren’t always aware of the full depth of financing creativity their organization can bring. Others simply don’t exist in every market. By understanding the deal type and our client’s goals & constraints we ensure that the full range of deal structures are explored to best position our client for success.
  • Layered & Partnering Options: Lenders are often incentivized to fit their solution to company’s needs even when a more appropriate solution exists. Some Lenders do certain types of facilities better than others, when appropriate a multi-party approach can be optimal. We spot those opportunities and position them when available.
  • The Range of Complexity: Different lenders are willing to offer unique Terms in specific industries, locations, or business circumstances. We help our clients navigate those changing waters to ensure every option emerges.

Features

We ensure that you put your best foot forward with lenders while generating competitive bids from lenders by doing their leg work for them.  A true win-win.

Analysis & Feedback

We evaluate each deal from the perspective of each lender. Our feedback to clients outlines the range of options available and how close we can get to their goals.

Strategic Optimization

When complex goals are in play, more complex approaches are sometimes required. We undertake this approach for clients when needed and ensure that approval likelihood is maximized.

Evaluation and Selection

We help decipher the Terms & Conditions and offer our feedback on the Pros & Cons of each offer. We can arrange any desired intro meetings or step back and get out of the way.

Customized Approach

Each company and each deal is unique. We approach each application as such. The narrative we construct and the lenders we approach are to achieve our client’s goals.

  • Deal and Company Specific
  • Purpose Driven Approach
  • Built to Meet Lender Requirements

Process

We start by understanding your business. Our application is custom built for our clients. And we use this to structure a deal that lenders can approve.

  • Classification Form
  • Custom Built Application
  • Lender Engagement

Why FiFlows?

Our team consists of former commercial lenders, credit underwriters, as well tech professionals, private sector executives, and tax & wealth experts.

The confluence of these factors result in more capital for more companies.

Building a Network

We partner with anyone connecting business opportunities with capital. Please reach out with an introduction or suggestion. Our referral program rewards deal spotters and we are always interested in exploring ways to build a value added partnership that compliments your business.

Location

220 20th Street W, Saskatoon, SK S7M 0W9

Contact us

Phone: 1 306 850 2342
Email: contact@fiflows.com