The CFO you bring in when financing gets complicated
Covenant pressure, declined credit, acquisitions that need funding, liquidity that won’t stretch. I’ve worked through these situations from the CFO seat and with lenders to find a structure that works.
Phector Capital advises Alberta business owners on debt financing, acquisitions, and shareholder buyouts. Based in Edmonton, working throughout the province.
(780) 884-0171 · Confidential, no obligation, no charge.
$60M+
raised in debt and equity
12+ yrs
in finance, investing & CFO seat
CFA
charterholder, MBA
If one of these sounds familiar, call
The earlier you call, the more options exist. That’s true of all four, and especially the first.
Your lender has gone quiet — or loud. A covenant breach, a forbearance request, or a move to special loans. I’ve taken a company out of a special loans group and back into a normal banking relationship.
The bank said no. Or said yes on terms that don’t work. A decline usually reflects that lender’s credit box, not your creditworthiness.
A shareholder wants out. And nobody agrees on the number, or on how the business is supposed to fund it without starving itself.
You’ve found something to buy. And you need to know your real ceiling before you sign the letter of intent, not after.
Recent work
Senior debt facility for an Alberta manufacturer
An established, scaling manufacturer needed growth capital. We built a three-statement model with five-year projections, stress-tested the cash flows and covenants, and took a properly prepared file to market. The result was five competing term sheets — the company got every dollar it asked for, at the sharpest rates and terms available, with the least security on the table.
Advisor to the borrower.
When the story and the numbers are strong, lenders compete instead of dictate. Most owners approach a single lender and accept what they’re offered. That is the difference.
Who you’re actually working with
I’m Cuong Pham. Before founding Phector, I worked in commercial lending, private equity and CFO roles. I’ve executed acquisitions, integrations, divestitures, turnarounds and financing mandates from the inside, not as a consultant handing over a report.
That means when I tell you what a lender will accept, it’s because I’ve sat across from them in that conversation. And when I tell you a deal shouldn’t get done, there’s no commission riding on the answer.
You work with me directly. There is no junior team to hand off to.
Cuong Q. Pham, CFA — CFA Charterholder · MBA, University of Alberta · BCom, University of Victoria
How engagements work
Financing and transactions
A work fee plus a success fee payable on closing, priced to the size and complexity of the deal.
Selective CFO support
I take on a limited number of interim and ongoing CFO engagements, where a business is navigating financing, a transaction or another significant financial transition.
You get a written fee proposal before you commit to anything. The first conversation is free and confidential — and if you don’t need me, I’ll tell you.
Tell me what’s going on.
A financing issue, acquisition or shareholder situation is usually easier to solve before the deadline becomes urgent. The first conversation is confidential, with no obligation and no charge.
If you’re in Edmonton, I generally prefer to meet in person. Elsewhere in Alberta, I work virtually and travel when it makes sense.
To get started, complete the form below or email to schedule a meeting.
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