Fast-track tier — up to
$150,000
Financing structured for your immediate needs, subject to eligibility.
Financing — Product
Business line of credit.
A properly sized line absorbs the gaps between your cash outflows and inflows — so payroll, suppliers and opportunities never have to wait on your clients.
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.
The business line of credit is a company's shock absorber: it serves when inflows are delayed, when a season requires outflows before inflows, when a supplier asks for fast payment in exchange for better terms. Properly sized, it makes cash flow predictable. Poorly sized — too small, it is useless at the critical moment; too large and poorly justified, it simply does not pass analysis.
A line's amount is therefore not chosen: it is demonstrated, from your operating cycle — the value of your receivables, the pace of your inventory, the real gap between your payment terms and your clients'. That is the demonstration we build, to present a line request that matches your business as it actually operates, not a round number.
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.
- Recurring cash-flow gaps — the weeks when outflows systematically precede inflows.
- Payment terms of large buyers — selling to clients who pay in 60 or 90 days without leaving your margin behind.
- Seasonality — a facility that rises and falls with your year rather than a request to redo each season.
- Strategic supplier payments — paying quickly to secure pricing, priority or availability.
- Frequent small opportunities — inventory or equipment purchases that frozen cash flow would make you miss.
Our role
What Ceneris structures for you.
We determine with you the amount justified by your operating cycle — receivables, inventory, compared payment terms — and present the request with the numbers that support it: financial statements, aging of receivables, revenue stability. Depending on the amount and your profile, the line can be structured on its own, alongside one-time working capital, or as part of a larger structure presented to our financial partners, with Ceneris acting as intermediary, or to your bank for larger facilities. No line is guaranteed: approval, amount and terms rest with the financial partner, subject to eligibility.
Process
Support in four steps.
1
The conversation
You describe your cash-flow gaps and their rhythm; we identify the amount they truly justify.
2
The structured file
A quantified operating cycle, receivables and revenue presented to the partners' expectations.
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 — line of credit.
How is a line's amount determined?
From your operating cycle: the value and quality of your receivables, your inventory level, the gap between your client and supplier payment terms. It is that calculation — not an arbitrary figure — that the file presents to the partner.
Does a line of credit replace working capital?
No: the line absorbs recurring gaps and is repaid as inflows arrive; one-time working capital answers a specific, dated need. Many businesses benefit from combining both, and that is what we assess with you.
Our business already has a line, but it is insufficient. Can we request an increase?
Yes, review requests are structured like initial requests: the point is to demonstrate that the current operating cycle — growth in sales, receivables or inventory — justifies a higher amount.
Cash flow that breathes, all year long.
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.