Financial Advisory Solutions for Businesses in Transition
Phector Capital empowers small and medium-sized businesses to thrive during pivotal moments of change. Whether you’re seeking capital to accelerate growth, navigating complex shareholder transitions, or overcoming liquidity challenges, our executive-level finance expertise and tailored advisory services are designed to help you achieve your strategic goals with confidence. Partner with us to turn your financial obstacles into opportunities for success.
Flexible, Fractional CFO Support: Expert Financial Leadership on Your Terms
Many companies find themselves needing specialized financial expertise to drive growth and navigate transitions but hiring a full-time CFO can be costly and impractical – especially for small to medium-sized enterprises. That’s where we step in. Our fractional CFO services provide you with a dedicated finance executive who seamlessly integrates into your team, offering top-tier financial leadership at a fraction of the cost.
We begin with a thorough assessment of your current financial function, objectives, and challenges. Based on this, we craft a customized plan tailored to your specific needs—whether that’s enhancing cash flow management, securing debt financing, buying a business, guiding shareholder transitions, or fortifying your balance sheet against crises.
Our clients have successfully navigated complex turnarounds, acquisitions, divestitures and shareholder transitions (i.e., shareholder buyouts and buyins) through our expert guidance.
- Financial Modelling – Working with you to create a comprehensive financial model that includes an income statement, balance sheet, and cash flow statement. This model will provide a clear understanding of your business’s current financial status and serve as a foundational tool for future growth and strategic planning.
- Finance Strategy & Projections – Identifying the key drivers of your business and developing informed assumptions, enabling you to create accurate budgets and projections to manage your business and financial stakeholders.
- Scenario & Project Analysis – Allowing you to see the potential impact of major business decisions before they are implemented. By exploring various hypothetical situations and their outcomes, we help you anticipate challenges, evaluate opportunities, and make data-driven decisions.
- Liquidity & Working Capital Support – Enhancing your business’s liquidity through cash flow projections, strategic planning, and effective tools. We focus on improving the visibility of your cash flows and optimizing working capital, ensuring your business maintains a strong financial position.
- Debt Advisory & Turnaround – Advising on debt financing options, negotiating terms with lenders, and restructuring existing debt to improve cash flow and financial health.
Tailored Debt Financing Solutions: Fuel Your Growth with Confidence
Phector Capital specializes in structuring and negotiating a broad spectrum of debt instruments to power your business’s growth. Our process starts with an in-depth credit assessment, where we meticulously evaluate your financial performance, collateral position, and growth projections. This thorough analysis allows us to identify and mitigate potential weaknesses, strengthening your credit profile before approaching lenders.
Leveraging our extensive network of banking relationships, we source the most suitable debt financing options tailored to your unique needs. Our team excels in crafting persuasive funding proposals, navigating intricate underwriting requirements, and negotiating favorable deal terms that safeguard your business and personal interests. Whether you’re looking to finance a significant equipment purchase, drive an acquisition, or refinance existing debt, our tailored debt advisory services are designed to secure the capital you need while ensuring your long-term financial health.
With Phector Capital, you not only gain access to optimal financing solutions but also benefit from strategic guidance that drives measurable growth. Our clients have successfully secured capital injections that have fueled their expansions, acquisitions, and operational improvements. Partner with us to transform your financial challenges into opportunities for sustained success.
- Tailored Approach – Working closely with you to develop a professional financial model and pitch deck that compellingly tells your story and conveys your value proposition.
- Comprehensive Review – Scouring the market to find the right partners and most suitable debt solutions for your needs – growth, working capital, refinance, or acquisition.
- Managed Process – Guiding you through the credit approval and due diligence process, allowing you to stay focused on running your business.
- Optimized Terms – Negotiating loan terms, covenants, and pricing to secure the most favorable financing arrangement and ensure you are set up for long-term success.
- Ongoing Support – Providing ongoing support and advisory services to help you manage your financing arrangements and maintain a strong capital structure over time
- Mezzanine and Equity – Sourcing more patient capital if your business needs more flexibility with payment terms or covenants.
Founded with SMEs in Mind: A Partner You Can Trust
Cuong launched Phector Capital after recognizing that small and medium-sized businesses (SMEs) often had the same financial and strategic ambitions as much larger enterprises but lacked the resources and expertise available to them.
While there are many advisors and service providers that assist businesses with transactions, there are few firms that tailor their approach to the unique needs of SME businesses. These businesses frequently lack a seasoned CFO or corporate development leader, making it challenging to successfully navigate complex financing, growth, or M&A initiatives.
Phector Capital was founded with the express purpose of supporting SME business owners and entrepreneurs. The firm takes a proactive, hands-on approach, working closely with clients well before any potential transaction. We help SMEs formulate strategic plans, position the company for execution, and ensure the client’s goals are fully realized even after a deal closes.
We’re committed to helping visionary founders and business owners thrive, not just survive.
Cuong Q. Pham, CFA
President & CEO
- Served as CFO and Director of a number of private companies
- Prior experience executing on acquisitions, integrations, divestitures, turnarounds and financing mandates
- CFA Charterholder
- MBA, University of Alberta
- BCom, University of Victoria
Let’s Talk: Tell Us About Your Business
While our primary office is in Edmonton, we are proud to work with clients throughout Alberta. If you are located in the Edmonton metro area, or within driving distance, we would prefer to meet in person to learn more about your business and discuss how we can support your strategic and financial goals. For clients outside the Edmonton region, we’re also available for virtual consultations or on-site visits as required.
To get started, please complete the form below or email to schedule a meeting. We look forward to learning more about your business.
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