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Finance & Economics

Understanding and Maximizing Bank Financing (Live Webinar - Multi Segment)

DELIVERY FORMAT
Online Virtual
SEMINAR TYPE
PD Seminar

Overview

Banks and other lenders are a primary source of financing. However, there can be substantial frustration in understanding what lenders are looking for in order to advance the largest amount of funds at the lowest rates. In addition, lenders can also impose a variety of terms and conditions which can make managing the business more challenging.

This course provides insight into the mindset of lenders, what they are looking for, and the different types of debt financing. It goes into detail behind different types of bank loans and what bankers look for prior to advancing funds. It provides creative techniques in terms of what you can present to the lender in order to give the lender enough confidence so that they can provide you with the greatest amount of funds at the lowest rate possible.

 


This live virtual seminar is offered in collaboration with CPA Western Provinces. The content is applicable to all participants.

This course has offering(s) that take place over multiple segments:
Jul 13 & 14, 2026 | 1:30pm-5:00pm

 

Applicable for

This course will benefit professionals who know the basics of debt financing but want to know how to approach a banker successfully, identify the advantages and requirements for different types of bank loans and understand more of how lenders approach their decisions. It is particularly helpful to small and medium sized business owners and the financial professionals that support them.

Content

  • how banks work
    • general bank lending practices
    • collateral and security
    • covenants – main types and rationale behind them
    • personal and corporate guarantees
    • what happens when a loan goes bad?
  • creative use of trade credit
  • short term needs
    • lines of credit
    • margining
    • seasonal requirements
    • bridge loans
  • long term needs
    • term loans
  • other needs
    • asset-based financing (ABL)
    • subordinate or mezzanine debt
    • acquisition financing
    • vendor take-backs
  • other options when conventional lenders are not enough or when you need more financing

Course Dates & Registration

Jul 13 - 14, 2026
1:30PM - 5:00PM
Online Virtual
Karine Benzacar
KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University.
Available
Register Now
Course Code: A63705A_OL
Dec 15, 2025
9:00AM - 5:00PM
Online Virtual
Karine Benzacar
KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University.
Past
Course Code: A53705B_OL
Jun 18, 2025
9:00AM - 5:00PM
Online Virtual
Karine Benzacar
KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University.
Past
Course Code: A53705A_OL

Improving Your Virtual Learning Experience

Live webinars have varying levels of expected interaction, with some requiring microphone and camera capabilities to support a proper learning experience – please email pdreg@bccpa.ca if you have concerns. 

In general, we encourage participants to have their cameras turned on to enhance their virtual learning experience. This practice promotes a stronger connection with the instructor and fellow participants, and fosters improved communication and collaboration.

Live Webinar FAQs can be found here.  

 

Registration terms and conditions, including the cancellation policy can be found here. If you require further assistance, please contact the PD Department. 

Course Details
Cost
$425
Members
$475
Non-Members
Eligible Hours
7
CPD Hours
0
Ethics Hours
0
AML Hours
Passport
10
Credits
Prerequisites
Prerequisites
Not applicable
Special Notes
This workshop is highly interactive. Participants will work with exercises and case studies to learn through doing. It is highly recommended that participants attend the course prepared to use a calculator or Excel to obtain maximum benefit.
Interested in similar content?
Credit Card Fee

Starting April 1, 2026, a 2.1% fee will be applied to all credit card transactions. Learn more about this fee and how it relates to PD registrations.

Finance & Economics

Understanding and Maximizing Bank Financing (Live Webinar - Multi Segment)

DELIVERY FORMAT
Online Virtual
SEMINAR TYPE
PD Seminar
Course Details
Cost
$425
Members
$475
Non-Members
Eligible Hours
7
CPD Hours
0
Ethics Hours
0
AML Hours
Passport
10
Credits
Prerequisites
Prerequisites
Not applicable

Overview

Banks and other lenders are a primary source of financing. However, there can be substantial frustration in understanding what lenders are looking for in order to advance the largest amount of funds at the lowest rates. In addition, lenders can also impose a variety of terms and conditions which can make managing the business more challenging.

This course provides insight into the mindset of lenders, what they are looking for, and the different types of debt financing. It goes into detail behind different types of bank loans and what bankers look for prior to advancing funds. It provides creative techniques in terms of what you can present to the lender in order to give the lender enough confidence so that they can provide you with the greatest amount of funds at the lowest rate possible.

 


This live virtual seminar is offered in collaboration with CPA Western Provinces. The content is applicable to all participants.

This course has offering(s) that take place over multiple segments:
Jul 13 & 14, 2026 | 1:30pm-5:00pm

 

Applicable for

This course will benefit professionals who know the basics of debt financing but want to know how to approach a banker successfully, identify the advantages and requirements for different types of bank loans and understand more of how lenders approach their decisions. It is particularly helpful to small and medium sized business owners and the financial professionals that support them.

Content

  • how banks work
    • general bank lending practices
    • collateral and security
    • covenants – main types and rationale behind them
    • personal and corporate guarantees
    • what happens when a loan goes bad?
  • creative use of trade credit
  • short term needs
    • lines of credit
    • margining
    • seasonal requirements
    • bridge loans
  • long term needs
    • term loans
  • other needs
    • asset-based financing (ABL)
    • subordinate or mezzanine debt
    • acquisition financing
    • vendor take-backs
  • other options when conventional lenders are not enough or when you need more financing

Course Dates & Registration

Jul 13 - 14, 2026
1:30PM - 5:00PM
Online Virtual
Karine Benzacar
KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University.
Available
Register Now
Course Code: A63705A_OL
Dec 15, 2025
9:00AM - 5:00PM
Online Virtual
Karine Benzacar
KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University.
Past
Course Code: A53705B_OL
Jun 18, 2025
9:00AM - 5:00PM
Online Virtual
Karine Benzacar
KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University.
Past
Course Code: A53705A_OL

Improving Your Virtual Learning Experience

Live webinars have varying levels of expected interaction, with some requiring microphone and camera capabilities to support a proper learning experience – please email pdreg@bccpa.ca if you have concerns. 

In general, we encourage participants to have their cameras turned on to enhance their virtual learning experience. This practice promotes a stronger connection with the instructor and fellow participants, and fosters improved communication and collaboration.

Live Webinar FAQs can be found here.  

 

Registration terms and conditions, including the cancellation policy can be found here. If you require further assistance, please contact the PD Department. 

Special Notes
This workshop is highly interactive. Participants will work with exercises and case studies to learn through doing. It is highly recommended that participants attend the course prepared to use a calculator or Excel to obtain maximum benefit.
Interested in similar content?
Credit Card Fee

Starting April 1, 2026, a 2.1% fee will be applied to all credit card transactions. Learn more about this fee and how it relates to PD registrations.