Stay in Business
Running a business through financial pressure doesn’t mean you’ve failed; it means you need clear, trusted guidance to protect what you’ve built.
- Date:
- Author: Spergel
Stay in Business: A Guide for Small Business Owners Under Financial Pressure
If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.
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Real Solutions for Business Debt, Without Going Under
When business debt starts to feel personal, it’s hard to know what to do next. This guide, created by Spergel’s Licensed Insolvency Trustees, explains your real options in plain language. From managing CRA debt to understanding consumer proposals and keeping your business operating. You’ll learn what’s possible, what’s protected, and how to take the next step with confidence.
See What’s Inside
How business and CRA debt work — and what the CRA can (and can’t) do
The most common emotional and financial roadblocks business owners face
A 5-minute debt health check to understand where you stand
Practical ways to stabilize cash flow, even under pressure
The truth about consumer proposals, consolidation, and bankruptcy
Real Canadian case studies from business owners who rebuilt
A clear decision guide to help you choose the right path forward
What to expect after debt relief — and how to rebuild with confidence
Empower yourself
Money Tips, Tools & Trackers, Research, Articles, Media and More!
Retirement Debt Guide
A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.
Stay in Business
If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.
Spergel’s Financial Hangover Survey & Results
As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.
The ultimate holiday spending money guide (2025 edition)
The holidays should feel joyful – not stressful. Yet many Canadians overspend without realizing it until the credit card bill arrives in January.
Gift Giving Budget Tracker
Feeling stressed about gift shopping and budgets? We get it. That’s why we built this free, user-friendly Gift Giving Budget Tracker to help you plan ahead and spend with confidence.
Debt Load and the Impact to Psychological Wellbeing
Uncovering how debt impacts the mental health and wellbeing of Canadians and how debt relief can change lives.
What To Say When Debt Collectors Call
Getting a call from a debt collector can feel overwhelming. This guide gives you the exact scripts, tips, and resources you need to stay calm, protect your rights, and take control.
The Mortgage Renewal Survival Guide
If your mortgage is up for renewal, you’re not alone in feeling the pressure. With soaring interest rates and inflated costs, millions of Canadians are facing significantly higher monthly payments.
Back to School Without the Debt
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
Bankruptcy exemptions by province in 2025
Are you considering filing for bankruptcy? Like many Canadians, you might be under the impression that you lose everything when you file.
Surplus income limits in Canada – updated for 2025
Each year, the Office of the Superintendent of Bankruptcy updates the surplus income limits for individuals filing for bankruptcy in Canada.
Annual / Monthly Budget Tracker
Feeling overwhelmed by your finances? We understand. That’s why we created this free, user-friendly Budget Template.
Unsure about filing for debt relief? Here’s how to feel confident in your next step
Starting the journey to deal with your debt is a big, brave step – but it’s also completely normal to feel unsure about filing for debt relief.
The hidden stress of everyday spending in Canada
Many Canadians worry about major life costs – mortgages, car loans, or tuition – but there’s another, quieter source of financial stress that often gets overlooked: everyday spending.
What Schools Didn’t Teach You About Managing Debt
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
The Real Cost of Borrowing: How Debt Sneaks Up On You
This e-book, reveals how debt quietly accumulates and how lenders profit from your struggles.
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