Goldhar & Associates is a reliable boutique advisory and restructuring firm in Canada with over a decade of experience. We help businesses manage tax debt, loan defaults, and financial restructuring with honesty, speed, and precision.
CCAA, Court-appointed receiver, private receiver, proposals, bankruptcies, consulting.
No-obligation triage—phone, virtual, or in-person.
Multi-province files; coordinated stakeholder management.
From manufacturing, to retail, to logistics and more, we provide solid, practical advice on all business options such as proposals, corporate reorganization, and debt restructuring. Our team is backed by seasoned professionals with experience across multiple industries.
Input cost volatility, production continuity, equipment financing, and creditor pressure. We help manufacturers stabilize cash flow, negotiate obligations, and preserve operational runway.
Leases, inventory turns, seasonality, and margin pressure. We assist retailers in restructuring obligations while maintaining store operations and supplier relationships.
Fuel volatility, fleet financing, insurance exposure, and lease obligations. We work with carriers to realign lender expectations and keep routes operational.
Customs delays, FX exposure, container shortages, and trade disruption. We help unlock working capital and reduce risk across cross-border operations.
Weather volatility, equipment financing, land leases, and input cost swings. We address lender pressure and seasonal cash-flow gaps while preserving long-term viability.
Floorplan financing, inventory exposure, OEM obligations, and fixed overhead. We help stabilize liquidity, restructure obligations, and maintain dealer or supplier relationships.
Interest rate shifts, refinancing risk, covenant breaches, and project delays. We work through lender negotiations and restructuring options to protect assets and continuity.
Misappropriation, internal fraud, or third-party misconduct can destabilize otherwise viable businesses. We assist in assessing exposure, managing creditor response, and restoring financial control.
Payroll intensity, contract risk, and uneven receivables. We help service firms realign obligations, manage working capital, and sustain operations during periods of stress.
We support businesses across all sectors, including complex and non-traditional debt situations.
We stabilize operations and protect value with formal and informal tools tailored to your industry, creditor mix, and timing.
We stabilize operations and protect value with formal and informal tools tailored to your industry, creditor mix, and timing.
Goldhar created immediate runway with a cash plan and negotiated a standstill. We kept the line running and retained key customers.
They handled landlord and creditor negotiations professionally. The proposal protected jobs and kept our doors open.
Goldhar’s monitoring role gave lenders confidence while we reworked fleet financing. Clear guidance, no surprises.
We keep pace with an evolving landscape and deliver accurate, practical advice that preserves—and enhances—value. We resolve CEBA/CERS/CEWS obligations, business loans, and CRA tax debt. Plans are tailored to circumstances and respectful of debtor and creditor rights, guided by deep insolvency expertise for durable outcomes.
If you’re seeing any of these, reach out early. You would not wait to call your lawyer or your accountant for advice. If you are experiencing any of the signals, you shouldn’t wait to speak with Goldhar Licensed Insolvency Trustee when financial pressure starts to build.
Rapid situational analysis, stakeholder map, cash-flow view.
Conserve cash, align parties, protect operations.
Proposal/restructuring; formal processes when required.
Short, practical answers. If you don’t see your question here, reach out—we’ll respond quickly and confidentially.
A Division 1 Proposal is a formal restructuring tool for incorporated businesses to compromise unsecured debt while continuing to operate. It is court-supervised and negotiated with creditors to avoid bankruptcy when the business is viable.
Yes. We structure payment plans, negotiate interest relief where available, and incorporate CRA claims into proposals when appropriate. Early action protects cash-flow and reduces enforcement risk (garnishments, liens).
We work with businesses of every size and sector—from early-stage ventures to national corporations. If your organization is under financial pressure, we can help you regain stability and momentum.
