• pink piggy blank
    Lessons from the Field: Typical types of lending ratios – What makes the bank anxious?
    • August 31, 2018

    a study conducted by BDC found that financing is still one of the key barriers for SMEs to grow

  • hand holding card keys
    The Return of Point-Of-Sale Lending
    • August 27, 2018

    Point-of-sales loans are increasing in popularity and consumers have been choosing to borrow at checkout, instead of financing purchases.

  • lemon tree saplings
    Lessons from the Field: Don’t slip up!
    • July 31, 2018

    At Sapling, we have seen a lot of financial models, and learned that sometimes growing businesses have assumptions that might push them in the wrong direction.

  • Pizza Sliced up
    Sales Quotas: Common Mistakes You Might Be Making
    • July 27, 2018

    Sometimes you might be dealing with your sales quotas the same way as slicing your pizza wrong…if one slice is too big, someone might end up with no pizza..

  • electric car charging stations
    The Future of Infrastructure for Electric Vehicles
    • July 24, 2018

    Electric cars and charging stations have become more popular than ever. They present many benefits when compared to conventional petrol/diesel cars.

  • bitcoin
    Cryptocurrencies: Two Benefits and Two Problems You Should Be Aware Of
    • June 29, 2018

    Cryptocurrencies have become a new investment trend. Everybody is trying to get a piece of the action, including investors, companies and the individuals.

  • spreadsheet
    8 More Model Building No-Nos
    • February 29, 2016

    A continuation of our "10 Model Building No-Nos". Here are eight additional no-no's when building a new financial model.

  • rusted
    Modelling Depreciation: A Straight-Line Depreciation Waterfall
    • November 29, 2015

    Calculating depreciation can be a bit of a pain. For one thing, for many businesses, it’s just one of three ways of accounting for purchases of new fixed assets, besides the investing cash flow and tax depreciation.

  • 4 types of models
    Beyond M&A: 4 Other Types of Financial Models
    • September 3, 2015

    When most people think of financial modelling, I’d wager that M&A and valuations come to mind.

  • Toronto and CN Tower
    Taking Apart the TTC (Part IV): Toronto vs. the World
    • June 28, 2015

    How well Toronto stacks up against these 7 cities—at least in terms of a very limited measure, its subway.