

Our Approach
We recognize that companies in the innovation economy have unique financing requirements during their growth cycle. Our specialized team leverages their industry knowledge and extensive deal experience to offer tailored growth and working capital solutions to further accelerate the strategic plans of high growth tech and life science companies across North America, United Kingdom and select European countries.
Our focus is industry agnostic
Technology
- Enterprise & B2B software
- SMB software
- Infrastructure software
- Disruptive technology
- Clean technology
Life sciences
- Medical devices
- Life science tools
- Diagnostics
- Biotech/Pharma
- Healthcare IT
- Healthcare services
We lend at every stage of growth
Startup stage
- Hyper revenue growth
- Strong gross margins
- EBITDA negative
Focused on:
- Product development
- Demonstrating market fit
- Initial customer acquisition
- Implementing a sales strategy
Growth stage
- Continued revenue momentum
- Strong gross margins
- EBITDA negative or positive
Focused on:
- Scaling the business
- Increased sales and marketing
- Growing the employee base
- Ongoing investment in research and development
- Emphasis on new customers acquisitions
Late stage
- Sustainable revenue growth
- EBITDA positive
- Established customer relationships
- Recognizable products and services
Focused on:
- Deepening market penetration
- Entering new markets
- Evaluation of organic and inorganic growth strategies
- Ongoing product development and evaluation of new verticals
Frequently Asked Questions (FAQ)
Explore frequently asked questions about how CIBC Innovation Banking helps technology, life science, and venture-backed businesses grow.
We specialize in supporting the game-changing innovators in technology and life sciences – as well as the venture capital firms that support these industries.
Our innovative clients are changing the world by:
- Reducing emissions through AI-powered insights (ZeroNorth)
- Improving patients’ lives by simplifying orthopedic technology (IntelliJoint Surgical)
- Monitoring predictive maintenance through AI and IoT (Nanoprecise)
- Driving the future of auto appraisal (Tractable)
- Going places enabling on-demand para-transit services (Spare)
- Saving lives ferrying organs for transplants (TransMedics)
Discover the companies we’ve worked with here.
Angel investors, venture capital (VC) funds and startup accelerators all support early-stage businesses, but in different ways. Angel investors are individuals who independently invest money, typically for an equity stake, and sometimes with mentorship. Startup accelerators, on the other hand, offer robust and formalized mentorship programs to help early-stage businesses grow rapidly. Venture capital firms invest funds from limited partners with a similar stake in helping these companies grow.
We offer non-dilutive funding and investment to businesses at all stages of growth, primarily late-stage startups. Our flexible capital solutions include venture debt and recurring revenue financing, which enable growth without giving up equity.
Both equity and debt financing are valuable options for various stages of startup funding. The main difference is that in equity financing, companies give up a stake of ownership for growth capital they have no obligation to repay, whereas debt financing allows companies to retain their ownership stake to borrow funds for repayment with interest.
Though debt financing and equity financing could be appropriate for any stage of a startup company, it typically depends on where you are in your growth cycle, alongside other key factors like financial security, risk tolerance, growth outlook and ownership dilution.
The case for equity financing
Early-stage startups typically lack predictable revenue, and often prefer to give up an ownership stake (and, with it, a share of future profits and possibly decision-making power) through equity financing to secure growth capital without the pressure of interest-based repayments. They often also benefit from the strategic advice and connections that angel investors and venture capital firms bring to the table.
The case for debt financing
High-growth late-stage startups with stable revenue often prefer to retain control and avoid diluting equity by opting instead for debt financing. This funding is often leveraged for strategic growth through operations, acquisitions and expansion.
When high-growth startups, particularly in technology and software, begin earning consistent, predictable revenue, they may seek recurring revenue financing to support their expansion strategy without diluting equity. These loans not only offer quick access to growth capital, but they are also flexible, repayment-based and scalable, with the potential to increase alongside your margins.
There are traditionally six stages of a startup company: Pre-Seed Stage, Seed Stage, Early Stage (Series A and B), Late Stage (Series C) and Exit or Liquidity Stage (Series D). We can support a startup at any stage, but specialize in high-growth late- and exit-stage financing.
We offer support at any stage of a startup company interested in non-equity capital for business growth. Our team can offer support as your startup evolves from pre-growth to sustainable growth.
Our international team offers more than growth capital solutions. They act as the coaches in your corner as you scale from the growth stage in business to critical mass. Drawing on decades of experience, our team — who have deployed $11.2 billion to date across 700+ clients in the innovation capitals across North America and Europe — offer deep insights on how to scale with flexible capital, whether analyzing opportunity, evaluating acquisitions or pacing growth at a sustainable rate.
Fund Banking

CIBC Innovation Banking supports all sizes of venture capital and growth equity firms.
As an investor, we understand your priority is deal origination and enhancing your internal rate of return. Your fund and firm's finances require security, predictability and flexibility.
Our team offers capital call lines, subscription lines, management working capital lines and partner loans in addition to CIBC’s cash management capabilities.



