個案總覽

In January 2019, the account manager of a social finance program that provided loans to early-stage, high-growth social enterprises, was reviewing a working capital and long-term loan request for a non-profit urban farm. The farm's board of directors needed the funds to further scale the company for its third growing season. The account manager needed to consider the business’s feasibility and social impact when making the decision.

In January 2018, the account manager at the Commercial Bank of Canada was reviewing a request for a $200,000 long-term loan and a $60,000 working capital loan for The Church Key Bistro-Pub, a fine dining restaurant located in downtown London, Ontario. The funds were needed to open a second restaurant. The account manager believed the restaurant owner to be a reliable business manager. Her enthusiasm for the new restaurant was infectious, and her expertise in restaurant management was indisputable. Nonetheless, the account manager was hesitant to grant debt financing to a company that had not taken out any debt in six years. She considered all available information and began her final review.