6 Small Business Loan Application Support tax and accounting engagements in full — what the client came to us with, what we did, and what it was worth. Each one is specific to small business loan application support work, not a general example.
Case Study 1 · Scaling without breaking
Growth Handled Without A Missed Filing, $118,000 Freed — Distributor Entering a Second, Vancouver
Client: A distributor entering a second province · Where: Vancouver, British Columbia · Engagement: 7 weeks, fixed fee
Cash freed$118,000
Compliance failuresNone
ReportingMonthly
The situation
A distributor entering a second province in Vancouver, British Columbia was opening in a second province — different filing obligations, a different payroll regime, and a covenant breach discovered only when the bank called already in the file.
What we did
We built a rolling thirteen-week cash-flow model, tightened collections, and renegotiated supplier terms so the growth stopped consuming the bank balance and put monthly reporting in place so the owner could see the cash effect of growth while there was still time to act on it.
The result
Growth was absorbed without a compliance failure. $118,000 of cash was released, and the monthly reporting now flags a problem while it is still small.
A fast-growing e-commerce brand in Winnipeg, Manitoba had already missed one deadline and was about to miss a second. Behind it sat an owner making hiring decisions on last quarter’s bank balance, and a penalty of $48,000 was accruing.
What we did
We split the work into what had to happen before the deadline and what could follow it, then produced a board-ready monthly package — cash, margin, pipeline and covenant headroom — that replaced a spreadsheet nobody trusted.
The result
The outstanding return was accepted as filed, and the taxpayer relief application cancelled $48,000 of the penalty already assessed on the earlier year.
Case Study 3 · Sale and succession
Intergenerational Transfer Completed With $300,000 Deferred — Technology Company Preparing to, Saskatoon
Client: A technology company preparing to raise · Where: Saskatoon, Saskatchewan · Engagement: 6 weeks, fixed fee
Tax deferred$300,000
TransferCompleted
RecordsReview-ready
The situation
A generational transfer at a technology company preparing to raise in Saskatoon, Saskatchewan had been discussed for years without a plan. Passive assets sitting inside the operating company, disqualifying the shares meant the transfer as contemplated would have been fully taxable.
What we did
We modelled the covenant ratios monthly and restructured the debt before the next test date rather than after it, sequencing the steps so each one was complete and documented before the next depended on it.
The result
$300,000 of tax was deferred through the transfer, and the successor generation took over a corporation whose records stood up to review.
Case Study 4 · Planning that cut the bill
$31,000 Cut From The Annual Tax Bill — Construction Company Bidding Larger, Regina
Client: A construction company bidding larger contracts · Where: Regina, Saskatchewan · Engagement: 5 weeks, fixed fee
First-year saving$31,000
RepeatsAnnually
Filing positionUnchanged in risk
The situation
A construction company bidding larger contracts in Regina, Saskatchewan was compliant but paying more than it needed to. The prior year had been filed correctly and still left revenue up 40% year over year and a bank balance that kept falling on the table.
What we did
We modelled the current position against the alternatives before changing anything, then rebuilt the reporting around gross margin by service line, which showed two of five offerings were losing money at the current price.
The result
The change saved $31,000 in the first year and repeats annually. Nothing about the filings became more aggressive; the position is simply the one the rules already allowed.
Case Study 5 · Objection and relief
Desk-Review Assessment Of $17,500 Vacated — Mid-Sized Professional Services Firm, Windsor
Client: A mid-sized professional services firm · Where: Windsor, Ontario · Engagement: 6 weeks, fixed fee
Assessment vacated$17,500
Supporting recordsNow on file
AccountCleared
The situation
A mid-sized professional services firm in Windsor, Ontario was carrying $17,500 of penalties and interest arising from pricing set by feel, with no visibility into margin by service line, much of it accumulated during a period the CRA itself had delayed.
What we did
We built a rolling thirteen-week cash-flow model, tightened collections, and renegotiated supplier terms so the growth stopped consuming the bank balance and framed the relief application on the specific grounds the CRA guidelines recognise rather than on general hardship.
The result
The assessment was vacated. $17,500 came off the account, and the documentation now on file makes the same position straightforward to defend next time.
Case Study 6 · Missed incentive claimed
$144,000 In Credits Claimed That Prior Filings Had Missed — Clinic Group Acquiring a, Guelph
Client: A clinic group acquiring a competitor · Where: Guelph, Ontario · Engagement: 7 weeks, fixed fee
Credits claimed$144,000
Years adjusted6
Review outcomeNo adjustment
The situation
A clinic group acquiring a competitor in Guelph, Ontario had been filing for 6 years without ever claiming the incentives its activity qualified for. Behind that sat pricing set by feel, with no visibility into margin by service line.
What we did
We tested each activity against the eligibility criteria rather than the description on the invoice, then produced a board-ready monthly package — cash, margin, pipeline and covenant headroom — that replaced a spreadsheet nobody trusted.
The result
$144,000 in credits claimed, with the open prior years adjusted as well. The claim passed review without adjustment.
Reviewed for the 2025 tax year by Udit Gupta, Certified Tax Accountant. Figures describe representative engagements of this type; outcomes depend on your own facts. Client names and identifying details are omitted for confidentiality.
