Business plans
A clear plan in plain language: your vision, your clients, your services and how the numbers work together.
Financial advisory · Across Canada
Business plans & loan help, made clear.
Financial advisory for Canadian small business owners. We help you write a business plan that tells your story, build realistic projections, understand CSBF loans and prepare an application you feel good about, with the tax and bookkeeping basics to stay organized.
Financial & loan support
The numbers side of your business, handled with care.
Financial and loan support is the first pillar of the Shaped engine. Whether you’re opening your doors or getting ready to grow, this is where a strong business begins.
Financial projections
Realistic projections built from your real costs and goals, so you can plan with confidence.
CSBF loan guidance
Understand how Canada Small Business Financing loans through banks and credit unions work, and whether one could fit your plans.
Loan application prep
A complete, organized application, with every piece of paperwork explained along the way.
Choosing the right loan
Compare your options side by side and choose the loan that fits your business and your life.
Tax & bookkeeping basics
Categorize expenses, understand home-based business tax considerations and stay organized from day one.
Business plans & projections
A business plan that sounds like you and adds up.
A good business plan is more than paperwork for the bank. It’s your map. We build it with you, in plain language, so you understand every page and can talk about it with confidence.
Then we turn it into realistic financial projections: what it will cost to open or grow, what you can expect to bring in, and how it all fits together. Honest numbers you can plan your life around.
- Your vision, services, clients and pricing, clearly on paper.
- Start-up or expansion costs, laid out so they make sense.
- Realistic projections built from your real numbers.
- A plan you’re proud to share with a lender.
Loan guidance & application prep
The right loan, not just any loan.
Loan paperwork can feel like another language. We walk you through what it all means, help you prepare a complete, organized application and compare your options with you, so you choose the loan that fits your plans and your life.
That includes helping you understand Canada Small Business Financing Program (CSBFP) loans through banks and credit unions, and whether one could be right for you.
- Every document explained in plain language.
- Loan application prep, start to finish.
- Side-by-side help choosing the right loan.
- The same person guiding you through every step.
Shaped JT is not a lender, and no one can honestly promise approval. We help you prepare so you can apply with clarity and confidence.
“I don’t know anyone else who would have taken as much time as you guys to help me register my business name, walk me through what the paperwork meant… help me choose the right loan… In every step, I truly feel, and my husband feels, that you’ve been in our corner.”
A.C. · Business Startup StudentThe Canadian funding landscape
Funding options across Canada, explored together.
There’s more than one path to funding a small business in Canada. We help you explore the options that could fit your stage, your province and your plans, then prepare to apply with confidence.
CSBFP loans
Canada Small Business Financing Program loans through banks and credit unions. We help you understand how they work and prepare your application.
BDC
The Business Development Bank of Canada. We help you explore whether it’s worth a closer look for your plans.
Futurpreneur
For entrepreneurs aged 18 to 39. If that’s you, we’ll help you look into what it could mean for your business.
Women Entrepreneurship Strategy
The federal Women Entrepreneurship Strategy. We help you explore whether it could support your business.
Regional development agencies
Support can also depend on where you live and work.
- PacifiCan · BC
- PrairiesCan · AB, SK, MB
- FedDev Ontario · southern ON
- FedNor · northern ON
- CED · Quebec
- ACOA · NB, NS, PEI, NL
- CanNor · the territories
Programs, eligibility and terms can change, and every lender and program makes its own decisions. We never promise approval. We help you explore, prepare and apply with confidence.
Tax education & bookkeeping basics
Organized from day one, calm at tax time.
Nobody opens a business because they love bookkeeping. But a few simple habits make everything easier, from month-end to tax season. We teach you the basics so your numbers never feel like a mystery.
- How to categorize business expenses as you go.
- Simple bookkeeping habits that keep your records tidy.
- General home-based business tax considerations, explained simply.
- The right questions to bring to your accountant.
A gentle note: Shaped JT is not a lender, and our guidance is general education, not legal, tax or accounting advice. Every situation is different, so please work with your accountant on yours.
Organized from day one, calm at tax time.
Good questions
Business plans & loans, answered.
Do you help with small business loans in Canada?
Yes. We help you build a business plan and realistic financial projections, prepare your loan application and understand options such as Canada Small Business Financing Program (CSBFP) loans through banks and credit unions. We’re not a lender, and approval always rests with the lender, but we help you put your strongest application forward.
What is the Canada Small Business Financing Program?
The Canada Small Business Financing Program (CSBFP) is a federal program through which small businesses can apply for loans at banks and credit unions. Details and eligibility can change, so we help you understand how it works today and whether it could fit your plans.
Can you write my business plan for me?
We build it with you. That way it reflects your vision, you understand every page, and you can speak to it with confidence when you meet a lender. Together we cover your services, your clients, your costs and realistic financial projections, all in plain language.
Which funding programs should I look into?
It depends on your stage, your age, where you live and your plans. Options to explore can include CSBFP loans through banks and credit unions, BDC, Futurpreneur for entrepreneurs aged 18 to 39, the federal Women Entrepreneurship Strategy and your regional development agency, such as PacifiCan in BC or ACOA in Atlantic Canada. We help you explore what might fit and prepare to apply.
Is this tax, legal or accounting advice?
No. We teach tax and bookkeeping basics, like categorizing expenses and general home-based business tax considerations, so you feel organized and confident. It’s general education, not legal, tax or accounting advice. For advice on your specific situation, please work with an accountant.
Can you guarantee my loan will be approved?
No one can honestly promise that. Lenders and programs make their own decisions. What we can do is help you prepare a clear business plan, realistic projections and a complete application, so you apply organized and confident.
Your next chapter
Where do I start?
Choose your door and tell us about your dream. There are no pushy sales calls here: when you’re ready, we’ll schedule a planning call to listen to your goals and map out a business that fits your life.
