Your financing situation has changed.
A covenant breach, a declined request, or a credit line the business has outgrown. You need to understand the lender's position and the financing options available.
Debt financing advisory →Debt financing · Transactions · CFO advisory
The CFO you bring in when the financing gets complicated.
Covenant breaches, declined credit, acquisitions that need funding, liquidity that won't stretch. I've sat in the CFO chair through all of it and in the lender's chair before that. I know how a file gets read in credit, and what actually gets approved.
Phector Capital advises Alberta business owners on debt financing, acquisitions, shareholder buyouts and complex lender situations.
30 minutes · No obligation · No charge (780) 884-0171
When to call
If one of these sounds familiar, call.
The earlier you call, the more options exist.
A shareholder wants out.
Agreeing on the price is only part of it. The business also has to fund the exit and keep operating.
Shareholder buyout financing →You've found something to buy.
You need to know your financing ceiling and the effect on cash flow before you sign the letter of intent, not after.
Acquisition financing →Someone is about to look closely at your numbers.
A lender, an investor or a buyer. The model has to balance, the assumptions have to hold, and you need to be ready for the questions.
Financial modelling and reporting →Recent work
A well-prepared file changes who has the leverage.
5
competing term sheets
for an established Alberta manufacturer seeking growth capital
Situation
Growth had outrun the company's existing facilities.
Work
A three-statement model with five-year projections, stress-tested cash flows and covenants, and a coordinated process taken to the lenders whose credit appetite actually fit.
Outcome
Every dollar requested, at the sharpest rates and terms available, with the least security on the table.
“Cuong ran a proper process. Eight lenders, five written proposals, all compared side by side. We came out with all the money we asked for at the best rate of the group, our inventory finally counting toward what we could borrow, and no personal guarantees.”
Selected work
Experience across the moments that change a business.
Turnaround and exit
From special loans to a private-equity sale.
+150%Revenue growth
Turnaround · Refinancing · Exit →
Transformational acquisitionFinanced and integrated a much larger competitor.
$20M+Financing raised
Acquisition · Integration · Divestiture →
Working capitalRestored liquidity and control of the operating line.
+40%Available liquidity
Cash flow · Credit · Collections →
Who you're actually working with
You work with me directly.
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 inside the business.
That experience informs both the advice and the work. I stay involved from the first conversation through the engagement.
Cuong Q. Pham, CFA · MBA, University of Alberta · BCom, University of Victoria
More about Cuong →“Cuong created a very detailed model that included all our historical financial performance so that we could not only analyze each historical month in-depth, but also forecast our future performance accurately, and make stronger decisions as a business.”
“His understanding of the relationship between business strategy, financial reporting and investor expectations provided confidence while meeting with lenders.”
Flexible engagements
Two ways to work with me.
A mandate.
I manage the process from preparation through to closing: financial modelling, supporting materials, diligence, coordination and negotiation. You remain involved in the important decisions. I carry the process.
Fee: Work fee + fee on close
A scoped project.
I build a defined piece of work, such as a financial model, lender package, transaction analysis or diligence materials. You or your other advisers run the broader process.
Fee: Fixed, agreed up front
Some clients keep me on afterward to run the reporting their new lender expects.
How I stay independent
Independent advice. Clear boundaries.
No compensation from the other side.
I do not accept fees, commissions or referral payments from lenders, brokers or vendors connected to your transaction.
No equity placement.
I prepare the financial model, analysis, data room and diligence materials. I do not solicit investors or buyers or run sale processes.
No unnecessary work.
If your bank can handle the request directly, or the proposed outcome is not achievable, I will tell you.
Start a confidential conversation
Tell me what's going on.
A financing or shareholder situation is usually easier to solve before the deadline becomes urgent.