What do fractional CFO pricing packages include?
Compare project, recurring monthly, and part-time CFO pricing in Vancouver and Canada by scope, deliverables, cadence, access, and responsibility.
Read the fractional CFO pricing and cost guideFractional CFO insights
Clear explanations for cash flow, financing, transactions, and complex owner decisions.
Practical notes from a Vancouver fractional CFO perspective, including specialist development and real estate finance.
Financing readiness and fractional CFO guidance
Strengthen cash flow, forecasting, lender readiness, and after-tax owner decisions before the next major commitment.
Improve cash flow before applying for financing
Strengthen collections, working capital, spending discipline, and forecast visibility before asking a lender to underwrite repayment capacity.
Read the insightWhat a lender sees in the model
Debt capacity depends on sustainable cash flow, DSCR, working capital, collateral, and whether the forecast is connected to actual operating drivers.
Read the insightOwner tax leakage check
Compensation, holding companies, passive income exposure, investment structures, and exit plans can quietly change after-tax wealth.
Read the insightVancouver development and market notes
Real estate decisions sit inside a broader housing market operating system: land constraints, credit conditions, policy rules, supply, expectations, demographics, income, and cycle risk.
What belongs in a lender-ready development financial package?
Connect the financing request, development pro forma, project budget, sources and uses, equity, construction cash flow, draws, and downside cases.
Read the development financing guideHow to screen rezoning opportunity
Compare existing zoning with community-plan potential, transit access, precedent approvals, political support, site configuration, and the FSR uplift that can be converted into feasible floor area.
Why presales discipline the spreadsheet
For condo development, revenue assumptions must eventually be tested by buyer demand. Low, base, and high price cases matter because construction financing often depends on presale thresholds.
What must go right?
A project that only works with instant approvals, perfect pricing, no cost inflation, and easy financing is not a strong project. Good underwriting looks for resilience under imperfect conditions.
Acquisition, exit, and real estate analysis
Apply the same financial discipline to buying a business, preparing for sale, evaluating property, or testing a development site.
What should I check before buying a business?
Verify sustainable earnings, working capital, hidden liabilities, acquisition financing, and post-closing cash needs before conditions are waived.
Use the financial due diligence checklistHow much should I pay for a business?
Connect normalized EBITDA, working capital, risk, financing and buyer cash flow before negotiating the price.
Review the buyer price frameworkExit readiness: normalize EBITDA before going to market
Clean financials, defensible add-backs, working-capital schedules, and a credible earnings bridge help buyers trust the business and the asking price.
Read the insightCap rate is not cash flow
Cap rate values the property before debt. Cash-on-cash return, DSCR, amortization, and refinancing pressure explain what the owner actually experiences.
Read the insightNOI quality matters
Adjusted NOI should separate recurring operations from one-time items, deferred repairs, vacancy assumptions, and seller-friendly add-backs.
Read the insightWill the development project make money?
Future sale or lease value, buildable area, costs, financing, schedule and required return determine what the land can support.
Review the development feasibility framework