How do lenders read your business income?
A free, live hour for incorporated owners in Ontario. We walk through one owner’s file the way a lender does, document by document, and show why the same business can be read differently.
- Next session
- Thu, Nov 12 · 12:00 p.m. ET
- Format
- Live on Microsoft Teams
- Length
- 60 minutes
- Cost
- Free
Salary or dividends?Can be documented and averaged differently.
Line 15000Often where a lender’s reading begins.
Inside the corporationNot on this page. Some lenders may consider it.
You leave withQualifying-income worksheet · Document checklist · The replay
One hour,
in four parts.
We explain how lenders read income. How you pay yourself is a conversation for your accountant.
Why the same business reads differently
What a lender means by qualifying income, and why it rarely matches what the business earned.
Salary, dividends and retained earnings
Which document shows each one (T4, T5, T1, notice of assessment, T2) and what a lender looks for in it.
One file, read live
We take the illustrative owner above through a first-pass lender review, then look at which lenders and programs may read it differently.
Your questions
Open Q&A. Ask in general terms; there’s no need to share your own numbers on the call.
What you leave with.
Qualifying-income worksheet
A one-page layout of salary, dividends and retained earnings, the way a lender lines them up.
Document checklist
Which returns, slips and statements lenders usually ask incorporated owners for, and why.
The replay
The full recording, emailed after the session, for you or your accountant to rewatch.
Before you
register
Yes. There’s no cost and no obligation. If you’d like to talk about your own situation afterwards, you can book a consultation separately.
Yes. Everyone who registers receives the replay by email after the session, whether or not they attend live.
No. The session uses an illustrative file. You can ask questions in general terms, and nothing about your finances is requested at registration.
They’re welcome to. The session covers how lenders read income; tax and compensation advice stays with your accountant, so it can help to have them hear the lender’s side.
No. It explains how lenders commonly read business income. Whether you qualify depends on the lender, the program and your documents, which is what a one-to-one consultation is for.
One hour. One file. Your questions.
Register with your first name and email. You’ll get a confirmation now, then the Microsoft Teams link and calendar invite before the session.
- Next session
- Thursday, November 12, 2026 · 12:00 p.m. ET
- Format
- Live on Microsoft Teams
- Length
- 60 minutes
- Cost
- Free