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Trade Finance Readiness Review for Canadian SMEs, Importers, and Exporters
Find out whether your invoices, payment terms, documents, buyer profile, and cash flow situation are ready for funding, referral, or further preparation.
This is not a loan application and does not guarantee financing.
What problem CTF solves
Many businesses do not have a financing problem first. They have a file readiness problem.
Slow paying customers
Receivables are aging, cash is delayed, and the business is carrying the strain.
Payroll pressure
Money needs to go out before customer payments have cleared.
Supplier timing issues
Suppliers need to be paid before receivables come in, creating unnecessary stress on working capital.
Weak invoicing or incomplete files
Good businesses still get rejected when invoices, support documents, or customer files are not clean enough.
Cross border payment friction
Currency conversion, settlement delays, and poor payment workflow can quietly erode margin and liquidity.
What the $295 review includes
| Included | What it means |
|---|---|
| Company snapshot | Basic business and revenue profile |
| Receivables review | AR aging, customer concentration, disputes |
| Payment term review | Net terms, supplier pressure, buyer timing |
| Document readiness | Invoice quality and supporting documents |
| Cross border review | Currency exposure, supplier payments, payment friction |
| Funding readiness summary | Whether the file appears ready, not ready, or needs cleanup |
| Next step map | What to fix, who to speak with, and what to prepare |
How We Help
We work at the point where cash flow, receivables, and business reality meet. That means we do more than point people toward funding. We first assess what is actually going on.
Payment Optimization
We review how money moves in and out of the business, identify bottlenecks, and reduce friction across domestic and cross border payment workflows.
This Includes:
- Payment timing pressure
- Supplier payment sequencing
- Invoice to settlement flow
- Currency exposure and payment friction
Receivables Readiness
We assess whether receivables are actually strong enough to support financing.
This Includes:
- AR aging
- Invoice quality
- Debtor strength
- Customer concentration
- Dispute risk
- Documentation quality
Capital Routing
When funding is the right answer, we prepare the file and route the business to the most suitable lender, factor, or working capital path.
This is not about sending applications everywhere. It is about making sure the file makes sense before it reaches the right desk.
Our Process
We use a simple process designed to reduce wasted time, improve file quality, and create a clearer path forward.
Each step is structured to help you better understand your finances, make smarter decisions, and achieve consistent financial growth.
Diagnostic
We review the business, the receivables picture, and where cash is getting stuck.
Readiness Review
We assess collateral quality, AR aging, customer concentration, disputes, and funding fit.
Fixes and Positioning
We identify what needs to be cleaned up before approaching any provider.
Routing
If appropriate, we connect the business to the right funding or payment solution.
Note: Not every business needs financing. Sometimes the right fix is better invoicing, cleaner collections, improved payment rails, or stronger documentation.
Who We Work With
We are best suited for businesses with recurring B2B invoices, net payment terms, cross border transactions or a working capital timing gap. We work with Canadian businesses across Canada and selected foreign SMEs preparing to do business in Canada.
We work with businesses buying or selling goods across borders. The review examines buyer and supplier terms, currencies, payment methods, supporting documents and the timing between shipment, delivery and collection.
Wholesalers and distributors often purchase inventory before receiving full payment from customers. We review supplier timing, customer terms, receivables aging, customer concentration and invoice quality.
Carriers, freight forwarders, warehouses, drayage operators and other logistics businesses may face fuel, payroll and supplier costs before customers pay. We review billing timing, invoice support, receivables aging and payment friction.
Staffing businesses often pay employees weekly or biweekly while customers pay on longer terms. We assess the timing gap, receivables aging, customer concentration, disputes and document readiness.
Manufacturers and industrial suppliers may pay for materials, labour, production and freight before customer invoices are collected. We review payment terms, receivables quality, customer concentration and supporting documents.
Businesses supplying goods or services to governments and public agencies may wait for approvals, milestones or procurement documentation before payment. We review the payment chain, invoice support, customer concentration and working capital pressure.
Contractors, subcontractors and trades may pay for labour, materials and equipment before progress invoices are collected. We review billing cycles, holdbacks, dispute flags, customer concentration and supporting documents. We do not provide construction law or surety advice.
Consulting, maintenance, technology and other service businesses with recurring or project based invoices can experience delayed collections, disputed invoices or customer concentration. We review the file to identify what appears strong and what may need preparation.
Find Out if Your Business Is Funding Ready
Complete the form below and we will review whether the pressure is coming from receivables quality, payment friction, or a genuine working capital gap.
This is not a loan application. It is a diagnostic intake to help us understand how your business gets paid, where cash is getting delayed, and what the most practical next step may be.
Find Out if Your Business Is Funding Ready
Complete the form below and we will review whether the pressure is coming from receivables quality, payment friction, or a genuine working capital gap.
This is not a loan application. It is a diagnostic intake to help us understand how your business gets paid, where cash is getting delayed, and what the most practical next step may be.
Frequently Asked Questions
It is a preliminary diagnostic review of your receivables, payment terms, documentation, cross border payment friction and working capital readiness. It is designed to help you understand where your file stands before pursuing a financing or professional services conversation.
You will receive a professional written Trade Finance Readiness Review Report. It includes a situation summary, cash flow pressure points, receivables review, payment term review, document checklist, cross border payment observations, likely third party questions, a Red, Yellow or Green readiness status and practical next steps.
No. Canada Trade Finance provides advisory and readiness review services. It does not lend money, purchase receivables, arrange loans, hold client funds or act as a factoring company or loan broker.
No. The review does not guarantee financing, approval, improved payment terms, a lender introduction or any particular outcome. It helps you understand whether the file appears ready and what may need attention.
Not as part of the $295 review. CTF does not contact lenders, submit applications, negotiate terms or distribute your information to financing providers through this service. Any future service would require a separate scope, price, authorization and agreement.
No. The $295 review is not a loan application and does not include a personal or business credit bureau check.
The intake asks about your business, revenue, receivables, customer concentration, payment terms, disputes, supplier or payroll pressure, cross border activity and available documents. Only submit information that you are authorized to provide.
After completing the intake, you will proceed to secure Stripe Checkout for the $295 CAD payment. CTF begins the review after payment and the required information are received. We may contact you with clarification questions before preparing the report. Your expected delivery date will be confirmed once the file is complete.
You will receive a Red, Yellow or Green readiness status and a plain language explanation. CTF’s internal scoring logic and numerical score are not provided. The readiness status is not a credit score, financing probability or approval decision.
Information is handled in accordance with the CTF Privacy Policy and Terms of Use. CTF may use AI assisted tools to help organize, summarize, classify or review submitted information. AI assisted tools do not make final client decisions, and client facing materials are subject to human review.
The fee is due before review work begins. Once work has started, the fee is generally not refundable. Refunds may be considered if CTF has not begun work, determines that the file is outside scope before work begins, receives a duplicate payment, is required by law or agrees otherwise in writing. Full payment terms are presented before checkout.
You may decide to correct readiness gaps, prepare additional documents, speak with an existing professional or consider a separately scoped CTF service. Any additional work is optional, separately priced and not included in the $295 review.
Selected foreign SMEs preparing to enter or sell into Canada may be eligible, subject to scope. The review does not provide immigration, legal, tax, customs, foreign exchange or foreign compliance advice.