{"id":20050,"date":"2025-10-09T10:40:28","date_gmt":"2025-10-09T14:40:28","guid":{"rendered":"https:\/\/www.strategiespme.com\/business-transfer-how-to-get-a-yes-from-your-bank\/"},"modified":"2025-10-09T11:16:00","modified_gmt":"2025-10-09T15:16:00","slug":"business-transfer-how-to-get-a-yes-from-your-bank","status":"publish","type":"post","link":"https:\/\/www.strategiespme.com\/en\/business-transfer-how-to-get-a-yes-from-your-bank\/","title":{"rendered":"Business transfer: how to get a \u201cyes\u201d from your bank"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20050\" class=\"elementor elementor-20050 elementor-20025\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5811990 e-con-full e-flex e-con e-parent\" data-id=\"5811990\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fa58dd elementor-widget elementor-widget-text-editor\" data-id=\"8fa58dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">There are several reasons why a business might be transferred:<\/span> <span style=\"font-weight: 400;\">\n  <a href=\"https:\/\/www.bnc.ca\/entreprises\/conseils\/articles\/reprendre-entreprise-familiale.html\">children wanting to take over the family business<\/a>\n<\/span><span style=\"font-weight: 400;\">,<\/span> <span style=\"font-weight: 400;\">\n  <a href=\"https:\/\/www.bnc.ca\/entreprises\/conseils\/articles\/rachat-par-employes.html\">employees offering to buy it<\/a>\n<\/span><span style=\"font-weight: 400;\"> or simply the opportunity to sell to a third party. In all cases, this transfer of power comes with significant financial, human, and strategic challenges. Whether you want to transfer or take over a business, your financial institution plays an important role in the process. Your financial advisor can even contribute to the success of the operation\u2014provided your relationship is based on trust. Here&#8217;s how to maximize your chances of getting a \u201cyes\u201d from them.    <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f736c8 elementor-widget elementor-widget-text-editor\" data-id=\"8f736c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><b>1. Prepare a detailed and structured file<\/b><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10504c1 elementor-widget elementor-widget-text-editor\" data-id=\"10504c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Before meeting with your financial advisor, you should prepare a clear, detailed, and convincing file. This documentation shows that your transfer plan is well thought out, realistic, and supported by concrete data. Here is what it should contain:  <\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Presentation of the company:<\/b><span style=\"font-weight: 400;\"> its history, mission, products or services, customer base, market positioning<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\">A financial portrait: <span style=\"font-weight: 400;\">its financial statements for the last three years, its key ratios, its outstanding debts, its profitability<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>A transfer plan:<\/b> <span style=\"font-weight: 400;\">the terms of the transaction, the schedule, the parties involved<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>The profile of the buyer:<\/b> <span style=\"font-weight: 400;\">their skills, experience, and strategic vision<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financial reviews:<\/b><span style=\"font-weight: 400;\"> operating budget, cash flow, three- to five-year projections<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">A well-prepared file will help you answer your financial advisor&#8217;s questions. If you are taking over the business, you need to fully understand its business model so that you can explain it. You need to know the value drivers and key elements that will ensure its short-, medium-, and long-term success. Beyond financial forecasts, you need to be able to present your vision for the business and    <\/span><span style=\"font-weight: 400;\">\n  <a href=\"https:\/\/www.bnc.ca\/entreprises\/conseils\/articles\/faire-croitre-pme.html\">the growth strategies you plan to adopt<\/a>\n<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3728de8 elementor-widget elementor-widget-text-editor\" data-id=\"3728de8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><b>2. Focus on transparency<\/b><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-537b51d elementor-widget elementor-widget-text-editor\" data-id=\"537b51d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Honesty is the foundation of a trusting relationship with your financial advisor. Don&#8217;t try to hide the company&#8217;s weaknesses or the risks associated with the transaction. If they discover that you are hiding something from them, it could work against you. Instead, clearly identify the weaknesses and propose solutions or mitigation measures. They will prefer a clear and proactive attitude to vague or overly optimistic talk.    <\/span><\/p><p><span style=\"font-weight: 400;\">For example, if the company is heavily dependent on one major customer, mention this and explain how you could diversify your customer base. If you have no experience in the industry of the company you want to acquire, explain how you plan to remedy this (mentoring, consulting, training, etc.). <\/span><\/p><p><span style=\"font-weight: 400;\">If you plan to sell your business while remaining a minority partner or executive, you will need to demonstrate that you have a cordial relationship with the person buying it. Your advisor does not want to find themselves in the middle of a relationship crisis. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7119283 elementor-widget elementor-widget-text-editor\" data-id=\"7119283\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><b>3. Involve your financial advisor early in the process.<\/b><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9421aff elementor-widget elementor-widget-text-editor\" data-id=\"9421aff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Too often, business owners contact their financial institution at the last minute, once the transaction is almost complete. By involving your advisor early  <\/span><a href=\"https:\/\/www.bnc.ca\/entreprises\/conseils\/articles\/transfert-entreprise-etapes.html\"><span style=\"font-weight: 400;\">on in the business transfer process<\/span><\/a><span style=\"font-weight: 400;\">, you help build a collaborative relationship. Your advisor can recommend the right financial products, help you structure the financing for the buyout, and even put you in touch with reliable partners, such as accounting, legal, or business valuation specialists. Their experience will help you avoid pitfalls that could jeopardize your project.  <\/span><\/p><p><span style=\"font-weight: 400;\">This will give your financial advisor a better understanding of your project and enable them to better defend it to your financial institution. Just like you, they need to understand your business model in order to advise you more effectively. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86d440f elementor-widget elementor-widget-text-editor\" data-id=\"86d440f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><b>4. Show your project&#8217;s viability<\/b><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc13d3b elementor-widget elementor-widget-text-editor\" data-id=\"dc13d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Your advisor must ensure that your business will be able to repay the loan you are requesting. It&#8217;s not just about numbers; you need to tell a coherent story: why is this transfer a good idea? How will you ensure business continuity? How do you plan to create value? If you don&#8217;t have a vision for the business you are taking over, your advisor will question your entrepreneurial abilities.     <\/span><\/p><p><span style=\"font-weight: 400;\">Rely on concrete indicators: order book, agreements with customers, team stability, planned innovations, etc. Show that the project is promising, not only for you, but also for your financial institution. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa60285 elementor-widget elementor-widget-text-editor\" data-id=\"aa60285\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><b>5. Cultivate human relationships<\/b><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cfa4e1 elementor-widget elementor-widget-text-editor\" data-id=\"4cfa4e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Beyond the numbers, your financial advisor invests in people. Be professional, punctual, respectful, and attentive. Take the time to understand their expectations, internal constraints, analysis criteria, and deadlines. A good relationship is based on communication and reciprocity.    <\/span><\/p><p><span style=\"font-weight: 400;\">Don&#8217;t hesitate to ask questions and maintain your relationship, even when financing is no longer an issue. Talk to them about your successes, the challenges you&#8217;ve faced, and changes within the company. This will strengthen your bond of trust and pave the way for future requests. Your financial advisor can become a key partner.   <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e82dafd elementor-widget elementor-widget-text-editor\" data-id=\"e82dafd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><b>6. Surround yourself with the right people<\/b><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d35829c elementor-widget elementor-widget-text-editor\" data-id=\"d35829c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A business transfer is a complex process that requires expertise in several areas: accounting, taxation, law, business valuation, etc. By surrounding yourself with a competent team, you increase the credibility of your project. This will show your financial institution that you are taking this step seriously and that you are receiving sound advice. Your financial advisor can also share their business network with you and refer you to specialists who will help you move your project forward. By working with well-known and respected people, they will feel even more confident.    <\/span><\/p><p><span style=\"font-weight: 400;\">If you are considering a business transfer, keep in mind that the support of your financial advisor is not a matter of chance. It is the result of rigorous preparation, transparent communication, and a relationship of trust built over time. By adopting a pragmatic and human approach, you increase your chances of turning a \u201cmaybe\u201d into an enthusiastic \u201cyes.\u201d After all, your financial institution doesn&#8217;t just finance your project, it contributes to its growth.    <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-082ff92 e-flex e-con-boxed e-con e-parent\" data-id=\"082ff92\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b521e42 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b521e42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f45599e elementor-widget elementor-widget-text-editor\" data-id=\"f45599e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Text by St\u00e9phane Bourgeois | Senior Manager, Business Transfers | Banque Nationale<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac8f614 elementor-widget elementor-widget-dyncontel-acf\" data-id=\"ac8f614\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;acf_field_list&quot;:&quot;banniere_annonce&quot;,&quot;acf_type&quot;:&quot;empty&quot;}\" data-widget_type=\"dyncontel-acf.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"dynamic-content-for-elementor-acf \"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In a context where labor shortages and inflation are weighing heavily on organizations, building a strong employer brand is essential for attracting, retaining, and engaging talent. However, it can seem particularly difficult to tackle this task when the organization is experiencing major internal difficulties. After all, such a project can often seem less urgent than others. So the question arises: how can you build your employer brand when everything is going wrong?   <\/p>\n","protected":false},"author":604,"featured_media":20030,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1],"tags":[],"class_list":["post-20050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-categorise"],"acf":{"linkedin":"","facebook":"","twitter":"","instagram":"","youtube":"","quickbooks":"","site_web":"https:\/\/www.bnc.ca\/","expert_conference":null,"banniere_annonce":20028,"banniere_annonce_lien":"https:\/\/www.bnc.ca\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Business transfer: how to get a \u201cyes\u201d from your bank - Strat\u00e9gies PME<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.strategiespme.com\/en\/business-transfer-how-to-get-a-yes-from-your-bank\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business transfer: how to get a \u201cyes\u201d from your bank - Strat\u00e9gies PME\" \/>\n<meta property=\"og:description\" content=\"In a context where labor shortages and inflation are weighing heavily on organizations, building a strong employer brand is essential for attracting, retaining, and engaging talent. 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