HALO Advisory


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Fueling Ambitions with
Customized Financial Solutions

To accommodate your needs and growth, HALO Business Advisory meticulously prepares and manages due diligence packages, negotiates on your behalf, and identifies optimal lending solutions. Our expertise ensures your business expansion and operational efficiency are Crafted through our meticulous internal underwriting process.

Our loan solutions offer the necessary leverage for businesses with cash flow constraints or those seeking to avoid depleting reserves for large purchases. With HALO Business Advisory, access government-backed programs like the Canada Small Business Financing Loan and the SBA 7(a) and 504 Loan Programs in addition to traditional senior business loan solutions from our network of Chartered Banks and Credit Unions–tailored to propel businesses forward.


Our business loan strategy emphasizes rigorous due diligence using proprietary qualitative and quantitative underwriting criteria. Each application undergoes a thorough analysis, ensuring a deep understanding of all risks involved. This methodical approach to evaluating every transaction guarantees that our business loan offerings are designed for success, meeting the specific needs and circumstances of our clients.

Canada Small Business Financing Loan

Financing is guaranteed by the government of Canada, which can help you fund the purchase or improvement of land, buildings, and equipment.

SBA 7(a) Loan Program

Designed to help small businesses that are creditworthy but need help to qualify for a conventional loan. Funds can be used for any legal business purpose.

SBA 504 Loan Program

Provides long-term, fixed-rate financing for major fixed assets (real estate, new construction, or equipment) that promote business growth and job creation.

HALO Mortgage Advisory

With flexible terms, competitive rates, and the option for government-guaranteed loans, our business loans can unlock new possibilities for your company. Whether for buying real estate, improving existing facilities, or purchasing essential equipment, our loans are structured to fit your business’s unique timeline and goals, providing the foundation for sustained growth and success.

At HALO Advisory, we streamline the lending process. Our seasoned experts work diligently from application to closing, allowing you to focus on what truly matters—your business’s growth. Connect with us and tailor a business loan strategy that elevates your business.

“The Halo team (Connie, Anna, Stephen) was excellent in helping me build a solid business plan and secure a funding for a business I am starting up. The whole Halo team is very professional and the process was seamless. Securing funds have always been one of my main concerns with starting a business but Halo makes it really easy.

I can't say enough good things about this team and I will work with them again if/when the time comes to expand my business. 100% highly recommended.”

– Ed M.

Frequently Asked Questions

HALO Advisory can assist you in securing various types of business loans, including but not limited to Canada Small Business Financing Loans (CSBFL), U.S. Small Business Administration (SBA) loans, traditional bank loans, commercial mortgages, and private investor funding.

We craft a lending proposal and complete due diligence package tailored to your specific business needs and loan requirements. This includes comprehensive financial and industry analysis articulated into a lending proposal that aligns with lender expectations, whether you're applying for a CSBFL, an SBA loan, or other financing, we completely underwrite your business loan application and present it to our lender network.

A underwritten business loan proposal is crucial as it outlines your business strategy, financial stability, corporate and personal covenants, and growth potential. Lenders use this document to assess the risk of lending to your business and determine the viability of your proposal.

Absolutely. We ensure that our business plans are compatible with both Canadian and American financing requirements, including specific adaptations for CSBFL and SBA loan applications.

The timeline can vary depending on the complexity of your business and the type of loan you're seeking. Once we have all the necessary information, we aim to complete your business loan underwriting proposal within two weeks to then present to a short list of lenders that may be suitable.

You will need to supply detailed information about your business, such as your business model, financial statements, organization structure, management structure, and detailed financial projections.

Our pricing for business loans is based on the complexity of the project and loan programs being requested. We typically charge a succession fee of 1% - 2% for secured and unsecured business loans.

With over 75 years of combined commercial banking experience, our team at HALO Advisory possesses the knowledge and industry expertise to tailor business plans that are highly effective for financing purposes. Our award-winning commercial mortgage brokerage background gives us a unique edge in lender relationships and understanding lender requirements to benefit both our clients and lender partners.

Yes, even established businesses require new business loan requests for expansion projects to be underwritten in the lender’s language. Lenders need to understand how the expansion will be managed and how it will contribute to the business's growth and financial health.

Our distinct advantage lies in our deep commercial banking experience and understanding of what lenders look for in a business plan. This, combined with our award-winning advisory and personalized service, sets us apart in the market.

Begin by reaching out to us for a consultation. We will understand your specific business loan needs, discuss the necessary steps, and gather all the information needed to develop a strong business plan for your loan application.