About
Education first. Fair prices. No pressure.
Capital Toolkit is operated by YBAWS Inc., a Canadian CPA-led firm. We help business owners and their advisors run the work that matters — from a first government-backed loan through the capital, accounting, and transaction modules that follow.
Why Capital Toolkit exists
The Canada Small Business Financing Program is one of the most useful and least-understood tools available to Canadian business owners. It can fund up to $1,000,000 in term loans plus $150,000 in working capital, backed by the federal government, through any participating chartered bank or credit union.
And yet most owners we speak with have never heard of it. The ones who have usually picked it up second-hand, from a banker steering them toward a particular bundle, or a broker quoting fees that don't hold up to scrutiny.
CSBFP was the entry point. What we kept hearing afterwards was the same question in a hundred shapes: “What about the stuff that doesn't fit the CSBFP?”Deals over the cap, businesses where asset-based lending or grants or refundable tax credits would fit better, files that needed clean books before any lender would look at them, owners thinking about a sale who didn't know what their company was worth. Capital Toolkit is the suite we built to handle all of it — under one engagement, with a CPA on every file.
What we cover
One platform, several modules. You can engage just the one you need; many clients use two or three over the life of a single project (e.g., clean up the books, build the projection, raise the capital).
- CSBFPLive
Canada Small Business Financing Program loans up to $1.15M — government-backed term loans plus working-capital lines, placed with chartered banks, credit unions, and Schedule II lenders.
Everything beyond the CSBFP cap — conventional senior debt, asset-based lending, equipment finance, mezzanine, private credit, government grants, refundable tax credits, RBF, royalty, and strategic equity, evaluated as a stack.
- The BooksComing
Full-cycle bookkeeping: transactions classified, reconciled, and reviewed by a CPA. The ledger that feeds every other module.
- Financial StatementsComing
Compilation, review, and audit-ready output, prepared by a CPA directly from the live ledger.
Budgets, forecasts, variance reporting, and the driver-based projection model that feeds capital-raise packages.
- ValuationComing
Defensible business valuation across multiple methods (EV/EBITDA, DCF, cap earnings, NAV, liquidation), with qualitative risk layered on.
- Mergers & AcquisitionsComing
Buy-side and sell-side transaction support — diligence, deal modelling, and the CPA work between the LOI and the close.
Who runs it
Capital Toolkit is operated by YBAWS Inc., a Canadian corporation founded by a Chartered Professional Accountant (CPA) who has worked with owner-operated businesses for most of his career. The firm's focus is plain-English advisory work: lending, structuring, accounting, valuation, and the parts of small-business finance owners are usually expected to figure out on their own.
We are a small team by design. Every file is touched by a CPA. We do not white-label our work to junior staff, and we do not outsource the analysis. The cost is the time we spend with you, published up-front, not negotiated after the fact.
Why a CPA-led platform
Most small-business finance tools assume an in-house finance team. Most small businesses don't have one. The work gets pushed to the owner, who isn't a CPA, or to the year-end accountant, who isn't set up to do real-time advisory at small-business pricing.
Capital Toolkit is built the other way around. The CPA is on the file. The platform does the arithmetic, the formatting, the reconciliation, and the audit trail. That ratio — CPA judgement scaled by purpose-built software — is what lets us deliver full-service work at flat, published prices instead of partner-rate billable hours.
It also means the modules are designed to feed each other. The books module becomes the input to the financial-statement module, which feeds the FP&A driver model, which feeds the projections in any capital raise. No re-keying. No Excel files emailed back and forth. One ledger, many surfaces.
How we work
Start with the education. For CSBFP, before you fill in a single field, you can watch the same overview we'd walk a client through in a first meeting. About thirty minutes, free, no sign-up required. For the other modules, each landing page explains what's involved and what it costs before you commit.
Decide, with your numbers in front of you. If CSBFP is a fit, our pricing is on the homepage. If it isn't, the screener at Alternative Funding Options points you at the next structure to consider. Either way, you've gained a clearer view of your options.
If you engage us, a CPA on our team handles the file end-to-end. For lending modules that's package preparation, lender selection, and the back-and-forth with the bank's adjudication team. For accounting modules that's the bookkeeping cadence, period close, and the financial-statement deliverable. We don't make the lender's decision or the buyer's decision, but we make sure they're looking at a complete, well-structured file.
Working with professionals
Many of our files arrive through other CPAs, finance brokers, and lawyers whose clients need a structured engagement they can't run in-house. We engage those files on a flat-fee basis, scoped per matter; see the professional engagement page to start that conversation.
Get in touch
The fastest way to reach us is the contact form or directly at hello@capitaltoolkit.com.