Fast-track tier — up to
$150,000
Financing structured for your immediate needs, subject to eligibility.
Financing — Product
Working capital.
Payroll, suppliers, inventory, your clients' payment terms: a growing SME's cash flow is constantly under pressure. A lack of liquidity should never be what makes you turn down a profitable contract.
Ceneris Conseils is an advisory firm, not a direct lender. The approval decision rests with the financial partners; no financing, rate or timeline is guaranteed.
Working capital is the gap — rarely a comfortable one — between the money going out and the money coming in. You pay your employees every week and your suppliers in thirty days, while your clients settle in thirty, sixty, sometimes ninety days. As the business grows, that gap grows with it: every new contract requires immediate outflows against deferred inflows. A profitable business can therefore run short of liquidity without having made a single mistake.
A working capital request succeeds when it demonstrates that cycle as it is: your real client payment terms, your supplier terms, your seasonality and the amount that gap requires — no more, no less. An improvised amount is immediately visible in a file; an amount aligned with your operating cycle defends itself.
The three tiers
Three tiers, one well-built file.
Partner tier — up to
$1,000,000
Larger financing presented to our financial partners, with Ceneris acting as intermediary.
Bank tier
Several million $
Major commercial loans structured with the banks for your largest projects.
Ceneris Conseils is an advisory firm, not a direct lender. The approval decision rests with the financial partners; no financing, rate or timeline is guaranteed.
Typical needs
The needs we see most often.
- Payroll and labour — covering payroll weeks while receivables build up.
- Suppliers and materials — paying on time to keep your pricing, your delivery priorities and your relationships.
- Peak-season inventory — building the stock for the periods that make your year, before they begin.
- Client payment terms — absorbing the 30 to 90 days between your delivery and their payment.
- New contract to start — the outflows of a mandate's first weeks, before its first payment.
Our role
What Ceneris structures for you.
We calculate the real need with you, from your operating cycle: your clients' average payment terms, your suppliers' terms, the seasonality of your revenue. The file presents that calculation, your financial statements and the precise use of funds. Depending on the amount — a fast-track need up to $150,000, a recurring or larger need through our financial partners, with Ceneris acting as intermediary — the request takes the right form: one-time working capital, a business line of credit or a combination of both, presented in particular to our financial partner Merchant Growth when the profile fits.
Process
Support in four steps.
1
The conversation
You describe the pressure: payroll, season, contract or client terms; we identify the form of financing that answers it.
2
The structured file
The amount requested is calculated on your operating cycle and backed by your numbers, not guessed.
3
The presentation
Your file is submitted to the partners who match your industry and your profile.
4
The follow-up
We follow the progress with you, right through to the financial partner's decision.
FAQ
Frequently asked questions — working capital.
How does it differ from a line of credit?
One-time working capital answers a specific, dated need (a season, a contract); a line of credit is a revolving facility for recurring gaps. Many files combine both — we determine the structure with you.
Does the amount requested have to match a specific purchase?
Not necessarily a purchase, but always a calculation: the gap between your outflows and inflows, documented by your client terms, your suppliers and your seasonality. That is the calculation the file demonstrates.
Our need comes back every year in the same season. Is that a problem?
On the contrary: a seasonal need demonstrated by your previous fiscal years presents very well. It can justify a revolving structure rather than a request to redo every year.
Stop letting your cash flow decide for you.
Talk to an advisor: 514-448-3727, ext. 102 — or submit your request online: seven fields, no banking documents at this stage.
An advisory firm, not a direct lender. Financing subject to eligibility; no financing, rate or timeline is guaranteed.