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 special loans and back into a normal banking relationship.
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.
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. What matters is knowing precisely why.
Debt financing advisory →A shareholder wants out.
And nobody agrees on the number, or on how the business is supposed to fund it without starving itself.
Shareholder buyout financing →You've found something to buy.
And you need to know your real financing ceiling 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 the questions arrive faster than most finance teams can answer them.
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.
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 →
Client perspectives
What changes when the work is done well.
Direct reflections from owners and finance leaders who needed clearer answers, stronger tools and better financing outcomes.
“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.”
“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.”
“We engaged Cuong to assist us with developing our capital acquisition strategy. His understanding of the relationship between business strategy, financial reporting and investor expectations provided confidence while meeting with lenders. He has proven to be well connected within Alberta's financial landscape; however it was Cuong's honesty and integrity that stood out most within his work and interactions.”
Who you're actually working with
Direct advice, informed by both operating and lending experience.
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 been the one making that call. And when I tell you a deal should not get done, it is because the numbers and the risks do not support it.
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
One question settles it: are you buying representation or materials?
A mandate.
I manage the process from beginning to close: building the financial model and supporting materials, organizing the data room, managing diligence requests, coordinating the parties involved, evaluating and negotiating terms, and keeping the workstreams moving toward closing. You remain involved in the important decisions. I carry the process.
A work fee through the process, plus a fee payable on closing where applicable.
A scoped project.
I build a defined piece of work for a fixed fee, such as a financial model, lender package, transaction analysis or diligence materials. You or your other advisers run the broader process.
A scoped project often fits when:
- You are staying with your existing bank but need a credible model and lender package.
- Another adviser is leading the transaction and needs support on the financial workstream.
- You need a decision model or diligence package before deciding how to proceed.
Some clients keep me on afterward to run the reporting their new lender now 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.