Whether you need an operating line, a term facility, acquisition capital, or a refinancing, someone should sit on your side of the table before you sign. We arrange and structure debt for owner-led energy, mining and industrial companies, get you lender-ready, and manage the relationship after the money’s in — as an independent fractional CFO who takes no success fee and no referral commission, so the advice on whether and how much to borrow answers to one thing only: what the business actually needs.
Commercial and private debt, operating and revolving lines, term loans and mortgages, acquisition and growth facilities. We shape the amount, terms and structure to fit how the business actually runs, not just what’s on offer.
Replace facilities that no longer fit, reset terms as the business changes, and work through a stretched structure before it becomes a problem.
Build the reporting, forecasts and numbers a lender actually underwrites — so you walk in with what they need and negotiate from a position of preparation.
Before you go asking, we tell you what the business can carry and defend. That sets the ask, and it keeps you off terms you’ll regret.
Track the covenants, keep the reporting clean, and handle the lender conversation so surprises don’t land in the wrong quarter.
We take no deal-completion fee, no success fee, and no referral commission from any lender. A broker gets paid when you take the loan, which means the loan is the answer to every question. We don’t. If the right move is a smaller facility, different terms, or not borrowing yet, that’s the advice you’ll get — nothing steers it but your result.
Most financing problems are reporting problems wearing a disguise. We get the numbers to the standard a lender underwrites against, then stay close to the covenants and the relationship once the facility is live.
We work alongside your finance team and report to the CEO. We don’t replace your CFO. Senior people do the actual work — this isn’t handed to a junior once the engagement starts.
The cost is far less than a full-time hire, scoped to what you need. The number lands on the call.
Are you a broker?
No. A broker places loans and gets paid when one closes. We’re an independent fractional CFO advising you on whether, how, and how much to borrow, and we take no success fee or referral commission. We arrange and structure the financing, but our pay doesn’t depend on you taking it.
Can you guarantee we get the financing?
No, and be wary of anyone who does. What we guarantee is a straight read on what your numbers support, reporting that stands up to underwriting, and a structure and ask a lender can say yes to. That’s what moves a financing forward — not a promise.
What size of company do you work with?
Owner-led energy, mining and industrial companies with roughly $20M to $150M in revenue, across Western Canada and the Middle East. We work mostly remotely.
Bring the decision you’re facing — the facility you need, the covenant that’s tightening, the acquisition you’re weighing. We’ll tell you what we’d look at and whether we can help. If it’s a fit, we scope a fixed fee before you commit to anything.
Book a short callNo obligation.
AJM Solutions is a fractional CFO and operational-advisory firm arranging debt and financing for owner-led energy, mining and industrial companies across Western Canada and the Middle East. Learn more about how we work →