Beyond the Spreadsheet: The 5C's Analytical Blueprint to Hardening Corporate Borrowing Power

Welcome to the CanadianSME Small Business Podcast, where Kripa Anand brings you conversations with leaders shaping the future of Canadian business. What really happens between a great business idea and a lender’s final decision? Today, we unpack the credit signals, risk thinking, and financial preparation that can make that difference.

Joining us is Tonia Omenyi, Manager of Commercial Credit and Enterprise Risk at Alterna Savings and Co Founder of WomEconomics Organization Inc. An economist and risk professional with experience across central banking, commercial lending, and economic development, Tonia brings a practical perspective on building financial confidence and creating opportunities for women.

Key Highlights

1. The Credit Reality: Why profitable businesses can still struggle to secure financing.
2. The 5Cs of Credit: How founders can approach lending decisions through a risk manager’s lens.
3. Breaking Bias: Creating stronger pathways for women in banking and enterprise risk.
4. From Classroom to Credit: Turning academic knowledge into practical underwriting experience.
5. The Power of Passion: How personal interests can strengthen resilience and leadership under pressure.

Special Thanks to Our Partners:

• UPS: https://solutions.ups.com/ca-beunstoppable.html?WT.mc_id=BUSMEWA

For more expert insights, visit https://canadiansme.ca/ and subscribe to the CanadianSME Small Business Magazine. Stay innovative, stay informed, and thrive in the digital age!

To learn more about how we are supporting the ecosystem, please visit the CanadianSME Small Business Foundation at https://smbfoundation.ca/.

Disclaimer: The information shared in this podcast is for general informational purposes only and should not be considered as direct financial or business advice. Always consult with a qualified professional for advice specific to your situation.