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A client reached out to us in a dire situation—his daycare center was nearly finished, about 90% complete, but he was on the brink of running out of cash. Without urgent funding, the entire project risked collapse, threatening to wipe out everything he had poured his time, money, and dreams into. His accountant had been trying to secure a Canadian Small Business Financing Loan (CSBFL) through BMO, but after being denied, the client was left stranded, frustrated, and desperate for a solution.
That’s when Riverstone Capital took charge. We acted swiftly, cutting through the red tape and frustration. Within just three weeks, we took his case to RBC and secured a $500,000 CSBFL loan approval. To ensure he had the financial flexibility to finish strong, we also arranged a $10,000 line of credit and a $15,000 MasterCard to cover essential ongoing expenses.
Thanks to our rapid intervention, the client avoided a total loss, secured critical funding, and was able to complete his daycare centre, turning a potential disaster into a success story.
An Indian restaurant came to us feeling stuck and frustrated after months of waiting. Their mortgage agent, who was also a close friend, had promised to secure a business loan to cover leasehold improvements and the restaurant purchase. But after 10 long months of delays, broken promises, and no progress, the client was running out of time and patience. With only 12 months to get reimbursed under the CSBFL program, they were worried the entire project might fall apart and their investment could be lost.
That’s when they reached out to us, referred by another client who knew we deliver results. We took over their file immediately and moved quickly. Within weeks, we secured a $200,000 small business loan from BMO to reimburse their leasehold improvements and equipment purchases, providing the funding they desperately needed. We also arranged a MasterCard to support their ongoing expenses. But we didn’t stop there. Our sister company, Riverstone Consultants, stepped in to manage renovations for a brand-new patio and party room, helping the restaurant not just survive, but thrive with a fresh, inviting space that draws in customers.
Our client, a highly profitable company with $23 million in annual revenue, thought securing a mortgage for an agricultural property in Milton would be simple. But just as the process began, their trusted banker was promoted and the new one had no grasp of their business model: leasing industrial land and subleasing it to trucking companies.
Confused and unsure, the bank stalled. Time ran out. With a large deposit at risk, the client was forced to close the deal with a high-interest vendor take-back (VTB) mortgage just to keep the property.
Then things got worse.
When it was time to develop the land, the VTB holder still living on the site refused to move until paid out in full. The property was frozen, the client stuck, and the entire investment teetering on collapse. That’s when Riverstone Capital stepped in.
We understood the business, the urgency, and the risk. We moved fast securing a traditional mortgage, arranging a line of credit, and removing the VTB. The property was freed. Development moved forward. The investment was saved.Where others saw confusion, we delivered clarity and results.
