An entrepreneur at heart, Rafael co-founded Smarter Loans in 2016. He spent over a decade helping financial brands with their digital marketing. Passionate about helping Canadian consumers and businesses access capital in a fast, safe and convenient way he continues driving Smarter Loans towards growth as the CEO. Rafael is an author at Smarter Loans and he writes about entrepreneurship, business, finance and more.
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Entrepreneurs in 2026 rely on powerful but often overlooked tools that automate work, improve workflows, and save time. Based on insights from real founders, here are the most slept-on tools worth adding to your business toolkit.
Rafael Rositsan
Business
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Ontario business owners can reduce taxes by structuring investments strategically. Learn how Holdcos, RRSPs, TFSAs, passive income rules, and the right salary-dividend mix can help you build wealth more efficiently.
Rafael Rositsan
Business
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Labour shortages, rising wages, and changing worker expectations have made hiring one of the toughest challenges for Canadian businesses. Here’s what’s driving the issue and how companies are adapting.
Rafael Rositsan
Business
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From commercial rent and rising wages to taxes and operating overhead, here’s a clear breakdown of what it really costs to run a business in Canada in 2026 - and how owners can stay profitable.
Rafael Rositsan
Business
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A data-driven look at the top business franchises to invest in for 2026 in Canada, including startup costs, industry trends, and what owners should know before applying.
Rafael Rositsan
Business
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A clear, practical guide for Canadian business owners on CRA audits — including common audit triggers, what to expect during an audit, your rights, and how to prepare your business before CRA ever calls.
Rafael Rositsan
Business
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From home services to B2B retainers, discover 25 profitable Canadian business ideas for 2026. Each profile includes typical launch costs, margin guidance, and where the idea works best, followed by a quick calculator to model capital, operating costs, owner hours, revenue, breakeven, and estimated business value.
Rafael Rositsan
Business
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Looking for a flexible way to earn on your schedule? This guide for Canadian moms breaks down 23 proven business ideas with real-world pricing, startup costs, time commitments, and first-90-day playbooks. Use the interactive Idea Matcher to find your best fit, then explore funding and next steps.
Rafael Rositsan
Business
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From home services to B2B retainers, discover 25 profitable Canadian business ideas for 2026. Each profile includes typical launch costs, margin guidance, and where the idea works best, followed by a quick calculator to model capital, operating costs, owner hours, revenue, breakeven, and estimated business value.
Rafael Rositsan
Business
Read
Surveys suggest well over half of workers do some kind of extra earning, from gig platforms to e-commerce. Below are 27 ideas with Canadian notes on pricing, compliance, and practical steps to land clients.
Rafael Rositsan
Business
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