The CFO you bring in when the bank is the problem
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 negotiated the way out with the lender on the other side of the table.
Phector Capital advises Alberta business owners on debt financing, shareholder transitions, and turnarounds. Based in Edmonton, working throughout the province.
(780) 884-0171 · Confidential, no obligation, no charge.
$60M+
raised in debt and equity
12+ yrs
in the CFO seat, not advising one
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
$5M · 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. I’ve served as CFO and director of a number of private companies, and 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
Ongoing CFO support
A monthly retainer scoped to what you need, generally starting at $5,000 per month.
Financing and transactions
A work fee plus a success fee payable on closing, priced to the size and complexity of the deal.
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.
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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