From government-backed business financing to comprehensive estate and legacy planning, Broadmoor's advisors provide the expertise and guidance you need to protect your business, your assets, and the people you love.
Whether you are growing a business with the help of government-backed lending or securing your family's financial future, our advisors deliver tailored strategies built around your goals.
The Business Development Bank of Canada (BDC) offers flexible financing exclusively to Canadian entrepreneurs. BDC loans are ideal for businesses that may not qualify for traditional bank financing, offering longer repayment terms, flexible conditions, and complementary advisory services to help your business grow.
The Canada Small Business Financing (CSBFL) program helps small businesses obtain loans from chartered banks for the purchase or improvement of land, equipment, and leasehold improvements. The federal government shares the risk with lending institutions, making it easier for businesses to secure the capital they need to start or expand.
Access revolving credit facilities and working capital solutions to smooth out cash flow gaps, fund seasonal inventory needs, and keep day-to-day operations running without interruption. We help you identify the right product — from business lines of credit to invoice financing — tailored to your industry and revenue cycle.
Finance the purchase of new or used equipment, vehicles, or technology without depleting your working capital. Equipment financing structures monthly payments to match your cash flow, and the asset itself often serves as the collateral — making approval accessible for businesses with limited credit history.
Launching a franchise or starting a new venture requires specialized financing that accounts for your business plan and projected cash flow rather than years of operating history. We guide first-time business owners and franchisees through BDC programs and CSBFL options designed specifically for startups and emerging enterprises.
If your existing business loans are creating financial strain, restructuring can lower your monthly obligations by consolidating debt, extending amortization periods, or securing a lower interest rate. Our advisors review your current obligations and work with lenders to find solutions that improve your business's financial health and sustainability.
A valid, up-to-date Will is the cornerstone of any estate plan. We coordinate with qualified legal professionals to ensure your Will clearly expresses your wishes for the distribution of your assets, the care of your dependants, and the appointment of your executor. We also help you establish an Enduring Power of Attorney and Personal Directive to protect your interests if you become incapacitated.
When assets are transferred at death, deemed dispositions can trigger significant capital gains taxes and probate fees. We analyze your entire estate — including registered accounts, real property, investment portfolios, and business interests — to develop strategies that minimize the tax liability on your estate and maximize what is passed to your beneficiaries.
Trusts are powerful planning tools that can provide for a surviving spouse or minor children, protect assets from creditors, and facilitate the tax-efficient transfer of wealth across generations. We help you understand testamentary and inter vivos trust structures and work with legal counsel to implement the arrangement best suited to your family's situation and goals.
For business owners, the transition of your company — whether to family members, employees, or a third-party buyer — is one of the most complex and financially significant events you will face. We build a succession plan that addresses ownership transfer, income tax implications (including the Lifetime Capital Gains Exemption), business valuation, and key-person insurance to protect the value you have built.
Life insurance plays a critical role in estate planning — providing immediate, tax-free liquidity to cover final tax bills, equalize inheritances between beneficiaries, and fund buyout agreements. We review your existing coverage and identify gaps or opportunities, including permanent whole life policies, corporate-owned insurance, and insured annuity strategies.
Leaving a charitable legacy while maximizing tax benefits for your estate is achievable with careful planning. We help you structure gifts through bequests, charitable remainder trusts, donor-advised funds, and direct designation of registered accounts to charities — creating a meaningful legacy while reducing the tax burden on your estate and heirs.
Our advisors take a holistic, integrated approach — combining tax expertise, financial planning, and strategic insight to deliver solutions that protect and grow what you have built.
Have more questions? Our advisors are happy to help — book a free consultation today.
A BDC loan is provided directly by the Business Development Bank of Canada, a Crown corporation dedicated solely to Canadian entrepreneurs. BDC offers flexible terms and is willing to finance businesses that may not qualify at a conventional bank. The Canada Small Business Financing (CSBFL / SBL) loan, by contrast, is issued by a chartered bank or credit union, but the federal government guarantees up to 85% of the loan amount. The SBL program is specifically designed to finance tangible assets such as equipment, leasehold improvements, and real property. Both programs have their place, and many businesses use them in combination. We help you determine which program fits your situation and guide you through the application process.
Under the Canada Small Business Financing (CSBFL) program, eligible businesses can borrow up to $1 million per business, with a sub-limit of $500,000 for equipment and leasehold improvements and up to $1 million for the purchase of real property (land and buildings). To be eligible, your business must be a for-profit enterprise operating in Canada with gross annual revenues of $10 million or less. The loan carries a government registration fee and a modest annual administration fee, both of which we factor into your total cost of financing analysis.
Yes, absolutely. Beneficiary designations on RRSPs, RRIFs, TFSAs, and life insurance policies allow those assets to pass directly outside of your estate — but they represent only a portion of what you may own. Your real estate, bank accounts, non-registered investments, business interests, vehicles, and personal property are distributed according to your Will (or provincial intestacy rules if you die without one). Without a Will, these assets can be subject to lengthy and expensive probate proceedings, and the courts — not you — will determine how they are distributed and who will care for your minor children. A Will is essential even for people with substantial beneficiary designations.
The Lifetime Capital Gains Exemption (LCGE) allows eligible Canadian-controlled private corporation (CCPC) shareholders to shelter a significant portion of the capital gain realized on the sale of qualifying small business corporation shares from income tax. The exemption limit is indexed annually and can shelter over $1 million per eligible shareholder as of recent years. When planning a business succession, structuring the transaction as a share sale rather than an asset sale — and ensuring the shares qualify as Qualified Small Business Corporation (QSBC) shares — is critical to accessing this exemption. Family members may each be entitled to their own LCGE, making estate freeze and family trust structures powerful planning tools. We work with your legal advisors to ensure your business structure is optimized well before a planned sale.
We recommend reviewing your estate plan at least every three to five years, or immediately following a significant life event — including marriage, divorce, or separation; the birth or adoption of a child or grandchild; the death of a beneficiary, executor, or attorney; a major change in your financial circumstances (such as a business sale, inheritance, or new real estate purchase); or a move to a different province. Tax laws and estate legislation also change periodically, which can affect the effectiveness of existing planning structures. Keeping your plan current ensures your wishes will be carried out efficiently and that your loved ones are protected.
During your complimentary initial consultation — available in person at our Sherwood Park office, by phone, or by video call — we take time to understand your specific situation, goals, and concerns. For business financing inquiries, we review your business plan, financial statements, and intended use of funds to identify the most appropriate lending programs and guide you on what documentation lenders will require. For estate planning consultations, we discuss your family situation, asset profile, and wishes so we can outline a preliminary strategy and refer you to the appropriate legal professionals where needed. All consultations are completely confidential and carry no obligation.
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