From $495/month · Cancel with 30 days' notice
Know what your lender will think next quarter, not last year.
The Capital Health Monitor is a monthly report on the eight things a Canadian lender watches — coverage, liquidity, receivables, concentration, covenants, and what is coming due — with a named action list and early warning before anything becomes urgent.
Four months of covenant headroom is a solvable problem. Four weeks is not. The difference is when you find out.
How does a business stay financing-ready between now and its next loan or renewal?
By recalculating the same measures a lender recalculates - coverage, liquidity, receivable quality, customer concentration, covenant headroom and upcoming maturities - on a monthly cycle rather than at application time. Deterioration in those measures is visible months before a lender raises it, which is when it is still inexpensive to correct.
The problem this solves
Capital problems are obvious in hindsight and invisible in the moment.
A covenant tightens over three quarters, not overnight. A customer becomes a concentration risk one invoice at a time. A maturity that is comfortable at eighteen months is a crisis at sixty days. None of it announces itself — it just shows up in numbers nobody is reading that way.
- You get financial statements monthly but nobody reads them the way a credit officer would.
- You could not say today how many months of covenant headroom you have.
- You do not know exactly when each facility matures without going to look.
- You want a fractional CFO's early warning without a fractional CFO's monthly invoice.
What arrives each month
Eight sections. Four to six pages. Written to be read, not filed.
| Section | What it tells you |
|---|---|
| Liquidity position | Cash available, whether you are generating or burning, and a 13-week outlook. |
| Debt capacity | Coverage, leverage, and interest burden — the three numbers that decide what you can borrow. |
| Working capital | Receivables aging, days outstanding, customer concentration, payables pressure, inventory. |
| Borrowing readiness | The information gaps that would slow an underwriter down if you applied this month. |
| Covenant headroom | Where you stand against your covenants and how many months of the current trend you have. |
| Debt maturity calendar | Every renewal in the next 18 months, with the window in which preparation should start. |
| Observations and actions | Five to ten specific, assignable actions ranked by urgency. Not generic advice. |
| Capital opportunity alerts | Where the data suggests equipment financing, factoring, asset-based lending, term debt, or a refinance is worth examining. |
Pricing
Priced against not knowing, not against a consultant.
Canadian fractional-CFO engagements commonly run $2,500 to $8,000 a month. This is not that. It is the specific intelligence that determines whether your next financing is approved, and at what price.
Essential
Single entity, under roughly $5M revenue, straightforward debt.
$495 /month
or $4,950 annually — two months free
- All eight monthly sections
- 18-month maturity calendar
- Capital opportunity alerts
- One 30-minute review call per quarter
- Report within 2 business days of complete data
Growth
$5M–$20M revenue, more debt and receivables complexity.
$795 /month
or $7,950 annually — two months free
- Everything in Essential
- AR and working-capital monitoring included ($295 value)
- Covenant headroom tracking
- Scenario testing on request
- Between-report alerts as triggers fire
Enterprise
Multi-entity, commercial property, or complex borrowing structures.
$1,295 /month
or $12,950 annually — two months free
- Everything in Growth
- Consolidated multi-entity reporting
- Property-level NOI, DSCR, and LTV tracking
- Portfolio maturity calendar
- Monthly review call
Prices in CAD, before applicable taxes. Cancel with 30 days' notice. Annual plans are billed once and refundable on a pro-rata basis in the first 60 days.
What the subscription includes
- The monthly report and dashboard
- Trigger alerts between reports
- Quarterly review call (monthly at Enterprise)
- Email questions about the report itself
- An annual capital-structure discussion
What it does not include
- Unlimited calls or on-demand CFO time
- Bookkeeping, cleanup, or statement preparation
- Custom modelling or board attendance
- Legal, tax, or investment advice
- Formal valuation or assurance work
We state this plainly because a clear boundary is what keeps the price at $795 rather than $3,000. Additional advisory work is available and quoted separately.
Common questions
Before you subscribe
How much work is this for me each month?+
Setup is one document upload and a 30-minute call. After that we need three files a month — your P&L, balance sheet, and receivables aging — which your bookkeeper already produces. Total ongoing time on your side is roughly fifteen minutes.
$795 a month is a real commitment.+
It is, so measure it against something real. On a $2 million facility, a quarter-point difference in pricing is $5,000 a year. Discovering a covenant problem four months early rather than four weeks early is usually worth considerably more than that. If the report is not earning its fee, cancel with 30 days' notice.
Can I just buy it once instead of monthly?+
Yes — that is the $1,995 Lender-Ready Capital Pack. But a snapshot goes stale. The value of the monthly version is that it tells you a covenant is tightening or a maturity is approaching while you still have room to act. Buy the Pack first if you prefer, and $500 credits toward an annual Monitor agreement within 14 days.
Will you use my data to sell me loans?+
We flag financing opportunities in the report — that is one of the things you are paying for. But nothing goes to any lender without your written instruction on each occasion, your data is never sold, and consent is given per transaction rather than once at signup.
How do I know the numbers are right?+
Every figure is calculated by formula from your own documents, reconciled against your balance sheet and debt schedule, and reviewed and signed off by a person before it reaches you. If a figure cannot be traced to a source document, the report does not go out. Software drafts the explanations; it never produces the numbers.
What if the report says something bad?+
Then you have found it before your lender did, which is the point. Every weakness comes with a corrective action and a realistic timeline. A report that is only good news should not be trusted.
Methodology and review
Monitoring thresholds are set from your own covenant definitions and lender reporting requirements, then tested each period against the figures in your management accounts.
Reviewed by the Unity Global Financial capital advisory team. Unity Global Financial is an independent capital advisory firm working with Canadian commercial, business, securities-backed and alternative capital sources. We are not a bank, a direct lender, or a securities dealer, and nothing on this page is legal, tax, accounting or investment advice.
Last reviewed: August 2026
Start with the free score. Subscribe when you can see the value for yourself.
Eight minutes gives you a number. A twenty-minute call tells you which tier — if any — actually fits your situation.
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