Even when filing a nil-income tax return, traditional lenders take a holistic approach to assess your overall financial health rather than solely focusing on reported income. They will analyze your cash flow, meaning the movement of funds within your accounts, and examine the balances in both your business and personal accounts to confirm your liquidity. Additionally, they will evaluate your credit score, which reflects your borrowing and repayment history, and take into account the value of any assets you possess, such as equipment, real estate, or inventory, that could bolster your loan application. Provided these three foundational components; cash flow, credit, and assets are robust, you can still qualify for financing despite a nil-income return.

Yes! The methods we employ at KCS Capital are grounded in decades‑old provisions of the Canadian Income Tax Act and related regulations. We partner with seasoned tax consultants, lawyers and chartered accountants to ensure every structure, election, and election‑document we implement is fully compliant. Our approach has been battle‑tested across more than 400 client files, and we maintain rigorous documentation so that every filing stands up to CRA review.

While no strategy is entirely audit‑proof, the actual likelihood of being selected for a CRA audit is extremely low—statistically around 0.1% for small‑ and medium‑sized enterprises.

Moreover, every filing we produce comes with a complete audit‑defense package: Detailed work papers, and coordinated support from our legal partner network. If the CRA does inquire, our team steps in immediately—handling all correspondence, preparing responses, and working directly with auditors so you remain hands‑off.

We operate on a hybrid fee model designed to align our success with yours. First, a one‑time retainer covers our upfront analysis, planning, and documentation work. Then, once the Canada Revenue Agency officially confirms your tax savings, we charge an Execution & Facilitation Fee, (pre disclosed and agreed upon) typically between 15 and 30 percent of the validated savings. This ensures you never pay for outcomes that don’t materialize. If we can not deliver the outcome laid out in the service agreement, we will refund 100% of your retainer back to you.

Yes! When you engage KCS Capital, the initial retainer secures our team’s time and resources for your project. If, for any reason, we haven’t begun substantive work—such as drafting structures or preparing elections—you receive a full refund of your retainer. In the extremely unlikely event that we proceed to filing and your claim is ultimately denied (which our track record shows has never happened), we still honor a complete refund of all fees paid.

No—your retainer is a one‑time engagement fee. After the initial year, KCS Capital will file your returns annually as part of our ongoing service at no additional upfront cost. We only invoice again when new savings are identified and confirmed; that way, you never face repeated retainer charges, just a success‑based fee when real tax reductions occur. We also want to build a longterm relationship with our clients, so we offer a sliding scale discount year after year, meaning the longer we can serve our clients the less our clients pay.

1. Schedule a Discovery Call Reach out via our website or call our team to book a complimentary 30‑minute consultation. We’ll review your situation, answer your initial questions, and explain how our process works.
   

2. Engagement & Retainer Once you decide to proceed, we’ll send an engagement letter outlining the scope, fees, and timeline. A one‑time retainer activates our team and secures your project slot.
   

3. Deep Dive & Planning We conduct a detailed analysis of your structures, filings, and objectives—gathering documents and data in preparation for strategy development.
   

4. Strategy Design & Documentation Our experts craft the bespoke legal framework and prepare all necessary election documents, workpapers, and audit‑defense files.
   

5. Implementation & Follow‑Through We file on your behalf, coordinate with any existing advisors, and handle CRA interactions. Once savings are confirmed, we invoice our success fee.
   

From first call to finalized savings, we guide you through every step—transforming complex tax planning into a clear, turnkey experience.