Commercial lending
The lender
I know how a financing request gets read in credit, where questions emerge and what makes a lender comfortable moving forward.
Debt financing advisory →About Phector Capital
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, CFAMBA, University of AlbertaBCom, University of Victoria
Every seat at the table
I’ve sat on every side of a finance decision.
Lender, investor, CFO, director and adviser. I know what each seat looks for, where questions emerge and what needs to be resolved.
Private equity
The investor
I’ve evaluated businesses through the lens of earnings quality, downside risk and what has to work after a transaction closes.
Acquisition financing →Operating roles
The CFO
I’ve carried responsibility for liquidity, reporting, acquisitions, integrations, divestitures, turnarounds and lender relationships from inside the business.
Selected work →Board roles
The director
I’ve reported to boards and served on them, so I understand what directors need to evaluate before approving a financing, acquisition, ownership transition or sale.
Shareholder buyout financing →Phector Capital
The adviser
I bring those perspectives together to help owners prepare the numbers, run the process and make a commercially sound decision.
How engagements work →$70M+Raised in debt and equity
15+ yrsAcross finance, investing and CFO roles
$0Compensation from lenders, brokers or vendors
Selected experience
Experience from inside consequential decisions.
The work is grounded in situations where financing, ownership and operating decisions had to hold together.
Turnaround and exit
From special loans to a private-equity sale.
Led the finance function through a turnaround, refinancing, growth and an eventual sale.
+150%Revenue growthRead the engagement →
Transformational acquisition
Financed and integrated a much larger competitor.
Built the model, raised the financing and helped carry the integration after closing.
$20M+Financing raisedRead the engagement →
Working capital
Restored liquidity and control of the operating line.
Reworked the borrowing structure and reporting to improve available liquidity and lender visibility.
+40%Available liquidityRead the engagement →
How I work
Senior attention throughout the engagement.
Direct involvement.
You work with me from the first conversation through the analysis, process and decisions that follow.
Decision-useful analysis.
The model and materials are built to answer the questions a lender, investor, buyer or owner will actually ask.
Candid boundaries.
If the proposed outcome is not achievable or the work is unnecessary, I will tell you before you commit more time and money.
Start a confidential conversation
Tell me what you’re working through.
A first conversation costs nothing, and it is usually easier to create options before the deadline becomes urgent.