b(x) — Bringing clarity to financial complexity
b(x)
How it works Why it works What you get Book a call
b(x)
How it works Why it works What you get Book a call

Unlock business value with
better capital structures

Featured experience:
Marine services
$300M Debt
Newfoundland & Labrador
Featured experience:
Construction
$20M Debt
Alberta
Featured experience:
Renewable energy
$15M Debt
Ontario
Featured experience:
Power systems equipment
$5M Debt
Ontario
Featured experience:
Infrastructure services
$400M Debt
Ontario
Featured experience:
Fur trading & auction services
$50M Debt
Ontario
Featured experience:
Aerospace parts
$4M Debt
Ontario
Featured experience:
Oil and gas equipment
$27M Debt
Ontario
/ How it works

A strong business can be held back by the wrong financing. Realize more value with the right capital structure.

High financing costs, restrictive terms and excessive leverage can consume cash, limit growth and leave you with fewer choices. We help identify the gap between your current value and potential value, and show how value can be unlocked by putting your capital structure to work.

STATUS QUO WITH B(X) CURRENT VALUE VALUE UNLOCKED POTENTIAL VALUE

Fig. 1: A waterfall chart representing the difference between current, status quo value vs. potential value unlocked with b(x).

/ Why it works

Your situation is unique. That's why we've built for the full spectrum.

Whether your business is underleveraged or overleveraged, we've seen the many ways capital can help or hinder a business. Through proprietary models and datasets, we help benchmark your financial position against peers and simulate capital structuring decisions that make the greatest impact.

BUSINESS VALUE MIX OF CAPITAL UNDERLEVERAGED Capital doesn't work for the business OVERLEVERAGED Capital works against the business WITH B(X) Capital works for the business

Fig. 2: An optimal capital structure chart representing how too little debt leaves benefits unused vs. too much debt brings burdens. A balance with b(x) minimizes the cost of capital and maximizes value.

/ What you get

Don't pay for outdated advice. You deserve more freedom, more options, and less risk.

Canadian businesses have spent years dealing with expensive capital, limited options, and a financial system built around institutions. b(x) brings a modern approach to financial advisory. We develop new ways to help you thrive with a capital structure that’s made to work for you, not against you.

SHARE OF INCOME REMAINING AFTER DEBT SERVICE (%) 30 35 40 45 50 55 60 65 70 STATUS QUO WITH B(X) G20 Country Average TIME Canada Average Your Business

Fig. 3: A line chart of 1 - Debt Service Ratios (%) for non-financial corporations, with data sourced from the Bank for International Settlements (BIS). The Canadian average between 2012 to 2025 has historically underperformed the G20 Country average. With b(x), we want your business to outperform and break that narrative.

/ Next steps

Book a free 30-minute call.

Explore how your capital structure can work harder for your business. All interactions with us are kept strictly confidential.

Visit us at:
180 John Street
Toronto ON M5T1X5
Email us at: