AMATI ARTICLES
Ideas for the decisions
that shape your business.
Thoughtful perspectives on capital, ownership and the business of building what comes next. Explore our 2026 collection.
Explore Economics / Politics21 articles
FEATURED PERSPECTIVE
Your Business Is Profitable. Why Is the Bank Still Hesitating?
A lender finances repayment capacity, not the income statement alone.
The Cheapest Loan Can Become Your Most Expensive Financing Decision
The full financing package determines its cost to the business.
Can Your Business Run Without You? The Question Behind a Successful Exit
A transferable business keeps its relationships, judgement and operating knowledge when the owner steps back.
Selling to Family, Management or an Outside Buyer: What Changes?
The right exit path reflects value, continuity, financing and the owner’s intended next chapter.
The Construction Budget Is Approved. What Could Still Go Wrong?
An approved budget is a starting assumption that needs active control as the project develops.
When Does a Developer Need an Owner’s Representative?
An owner’s representative connects project decisions to the owner’s business case.
What an Economic Slowdown Should Change in Your Business Plan
A slowdown calls for clearer assumptions, stronger liquidity visibility and prepared choices.
Lower Interest Rates Do Not Fix Every Financing Problem
Lower rates can improve debt service, but repayment capacity still depends on the business.
A Bond’s Yield Is Only the Beginning of the Investment Decision
Yield becomes meaningful when it is evaluated alongside credit, duration, liquidity and the purpose of the capital.
How Much of Your Business Cash Is Actually Available to Invest?
Investable cash is what remains after the business’s operating, contingency and strategic needs are funded.
The Hidden Cost of Cheap Debt
A low interest rate can be an expensive trade if the loan leaves your business without room to respond.
Profitable on Paper. Short of Cash. What Growth Is Hiding.
The next large order may be good for earnings and difficult for liquidity. Understand the gap before you commit.
Would Your Business Still Be Valuable Without You?
A company can be successful and still depend too heavily on one person. Transferability starts well before a sale.
The Family Handover: Separate the Paycheque, the Power and the Shares
Working in the business, running it and owning it are different responsibilities. A clear transition plan treats them separately.
The Construction Decisions That Cost Most Come First
Before the first shovel enters the ground, scope, site and procurement decisions have already shaped the project's financial risk.
Who Is Watching the Owner’s Balance Sheet During Construction?
A progress report tells you what has been built. An owner also needs to know what remains unfunded, unresolved or unapproved.
Canada’s Productivity Problem Starts on the Business Floor
Buying equipment is a commitment. Turning that equipment into better output requires a second, equally deliberate investment.
Stop Budgeting for One Version of Canada
A single forecast can make a budget look precise while leaving the business unprepared. Build choices around the variables that matter.
What a High Bond Yield Is Really Telling You
The quoted yield is a starting point. Understand the assumptions and risks behind it before judging the opportunity.
Your Bond Portfolio Has a Job. Does It Match Your Liabilities?
Start with what the money must fund, when it will be needed and in which currency. Then consider the investments.
Canada will not build itself
The pressures on Canadian entrepreneurs are real. Stronger relationships between businesses can turn shared challenges into practical opportunities.
Continue the conversation.
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