CanadianSME Small Business Magazine January 2026

CANADIANSME

Empowering

PAGE: 68

Defining the Year Ahead: Canadian Business Leaders on 2026

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Screen-Free Learning

DearValuedReaders,

WelcometotheJanuary2026editionofCanadianSME SmallBusinessMagazine,wherewekickoffthenewyear withaspecialfocusonentrepreneurship Thisissueis dedicatedtocelebratingCanadianentrepreneurs,offering insightsonhowtechnology,trends,andsoundbusiness adviceareshapingthefutureofsmallbusinessesacrossthe country

WeareexcitedtohighlightNancyForan,Founderand PresidentofESGPartnersInc.,asourBusinessWomanof theMonth,recognizingherleadershipandcommitmentto empoweringbusinessesthroughESGprinciples.Inaddition, wediveintotheNewBlueprintforSMBTech,presentedby Samsung,exploringhowsmallbusinessescanleverage productivity,security,andsmartAItodrivegrowthin2026.

Cashflowmanagementremainsakeychallengeformany entrepreneurs,whichiswhywe’veincludedADP’sguideon managingcashflowtoensurefinancialresilience.Wealso examinetheshiftinSEOstrategieswithJasonHunt’sarticle ontheendofblog-heavySEO,providingvaluableinsightsfor localbusinesseslookingtoadapttoevolvingdigital marketingtrends

Aswelookaheadto2026,we’vegatheredinsightsfrom Canadianbusinessleadersonwhat’sinstorefortheyear andhowentrepreneurscancapitalizeonemerging opportunities Fromscreen-freelearningwithBellybees,to digitaltoolsforsafercitiesandretailmedianetworks,this issueispackedwithfreshideastohelpbusinessesstay aheadofthecurve

Don’tmissoutonourupcomingCanadianSMESmall BusinessShow2026onMay22,2026,attheMetroToronto ConventionCentre It’safantasticopportunitytoconnect withindustryleadersandgainvaluableknowledgetopropel yourbusinessforward Besuretoregisternowat smeexpoca

Wealsoencourageyoutosubmitnominationsforthe CanadianSMEAwards2025,asnominationsarenowopen! Celebratethebusinessesmakingadifferencebynominating thematsmeawards.ca

Aswemoveintothenewyear,wehopethisissueinspires youtoinnovate,adapt,andthrivein2026 Thankyouforyour continuedsupportandforbeingpartofourjourneyto empowerCanadiansmallbusinesses

Warmregards, ShaikKhaleeluddin(SK) Editor-in-Chief,CanadianSMESmallBusinessMagazine

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BusinessWoman oftheMonth Nancy Foran

Nancy Foran

Leading the ESG Evolution in Canadian Business

Nancy Foran, the founder and president of ESG Partners, Canada, is a trailblazing figure at the nexus of corporate expansion, sustainability, and governance Foran and her Halifax-based consultancy have decades of experience and have played a key role in helping businesses of all sizes incorporate environmental, social, and governance (ESG) initiatives into their core operations, resulting in positive impact and competitive advantage

Vision and Entrepreneurial Journey

Foran, who was named a 2026 Canada Clean16 honoree and one of Canada's Top 50 Women Over 50, has shaped her career through strategic insight, hands-on experience, and a deep commitment to environmental stewardship and community well-being She started her career in accounting and finance, swiftly rising into executive-level roles before shifting her focus into board advisory work, sustainability education, and ESG thought leadership

To bridge the gap between ESG principles and commercial realities, Foran founded ESG Partners, bringing together a highly qualified, diverse team that delivers tailored solutions to governments, public institutions, investors, midmarket businesses and startups Her credentials, which include advanced ESG standards certifications, C Dir , CPA and FCPA, underscore her commitment to professional excellence

The ESG Partners’ Approach and Impact

ESG Partners provides high-impact consulting services across supply chain, risk mitigation, climate action, sustainable finance, and ESG program development and reporting, grounded in frameworks such as the CSDS, ISSB/IFRS, TCFD, and GRI Foran's impact extends across Canada and the Caribbean, where she has helped lay the foundation for sustainability in industries such as manufacturing, fisheries and oceans, energy, technology, healthcare, banking, and agriculture.

Thecompany'sstakeholder-focused,data-drivenservicesenablecompaniestomeet investordemands,understandevolvingregulations,andseizenewopportunitiesin Canada'srapidlychangingESGmarket.SMEs,governmentagencies,andpubliclytraded corporationsareamongESGPartners'clients,whichhelpthemreport,measure,and achieveambitiousclimateandsocialresponsibilityobjectives.

ESG Thought Leadership and Board Service

Foran often contributes to industry panels, webinars, and conferences as a thought leader on the business case for sustainability and ESG She advises business leaders, entrepreneurs, and emerging professionals and serves on local and regional boards, including the Saint Mary's University Sobey School of Business, the Halifax Chamber of Commerce, and the Centre for Women in Business Foran, a leader in sustainability and climate risk strategy, contributes a global perspective to advancing ESG innovation in Canada and the Caribbean.

Her advice has contributed to regional and national policy discussions, and audiences in the public and private sectors seeking practical guidance on sustainability frameworks, ESG reporting, and sustainable value creation are eager to attend her workshops

Recognition and Community Impact

Nancy Foran's impact is widely acknowledged She was named one of The CEO Magazine's Top 50 Women Over 50 and recognized for her leadership in clean capitalism by Clean50/Clean16. Foran's leadership encompasses mentoring and giving back; she actively supports both domestic and foreign non-profits and cultivates future talent through sustainability initiatives and university advisory work

She is a "leader who translates information into action," according to her peers, bringing strategic execution and a broad perspective to every task In an era of growing complexity and scrutiny around sustainability, Foran's work has strengthened the brand reputations, market expansion, and resilience of innumerable enterprises

Lessons for Canadian SMEs and the Future of ESG

Foran's main takeaway for small and mid-market firms in Canada is that ESG is a business opportunity and an innovation catalyst, not merely a matter of compliance She promotes doable, scalable solutions, such as integrating ESG into all aspects of business operations not just reporting starting with materiality assessments and establishing clear objectives Foran encourages businesses to train leaders across functions, invest in data systems, and honestly engage - and update - stakeholders on sustainable progress

In the future, she sees ESG as essential to Canada's ability to compete, attract foreign investment, diversify into new markets, and empower SMEs to lead inclusive growth and climate action Her recommendations are to embrace ESG as a market strategy and a cultural mindset, collaborate with experts, develop internal resources, and never undervalue the influence of purpose-driven business

Conclusion

Under Nancy Foran's direction, ESG Partners is revolutionizing how Canadian businesses incorporate sustainability into their core business plans Her dedication to pragmatic, goal-oriented ESG is helping companies to generate new value, enhance resilience, and exercise ethical leadership Her efforts have given Canadian responsible business a more aspirational and attainable future

Your role in staying updated is integral to our shared mission of fostering a community of innovators CanadianSME Magazine is a valuable treasure trove of entrepreneurial knowledge Click here to subscribe to our monthly editions for updates on Canadian businesses Follow our handle, @canadian sme, on X to stay updated on all business trends and developments Your support is crucial to our mission

Disclaimer:Thisarticleisbasedonpubliclyavailable informationintendedonlyforinformationalpurposes CanadianSMESmallBusinessMagazinedoesnotendorseor guaranteeanyproductsorservicesmentioned Readersare advisedtoconducttheirresearchandduediligencebefore makingbusinessdecisions

TheNewBlueprintforSMBTech: Productivity,Security,andSmartAI

ArticleBySamsung

Small- and medium-sized businesses (SMBs) in Canada are facing a pivotal moment The evolution of hybrid work, rising customer expectations, and the rapid advancement of artificial intelligence (AI) are reshaping what it means to stay competitive Today’s SMBs arent just looking for tools - they’re looking for a technology blueprint that supports resilience, smart operations, and growth

JamesArndt,HeadoftheEnterpriseBusiness DivisionatSamsungCanadabelievesthe roleoftechnologyinSMBsuccesshas shifted.“Businessesneedsolutionsthathelp themworksmarternow,whilebuildinga foundationforwhat’snext,”heexplains.It’s nolongeraboutshort-termfixes;it’sabout creatingsystemsthatimproveproductivity, protectdata,andevolveseamlesslyas needschange.

Rethinking Productivity for a Modern Workforce

Productivity today doesn’t just come from working faster; it comes from working better Employees need tools that adapt to diverse environments, reduce friction, and support deep focus For many SMBs, the everyday workstation has become one of the most important places to innovate

Business-grade monitors and commercial displays play a much larger role than they once did High-resolution visuals, adjustable builds, and performance help employees collaborate, analyze information, and communicate clearly whether they’re in-office, remote, or on the move. Digital signage is also transforming how SMBs share information internally and externally, allowing teams to update content in real time and keep customers engaged with minimal effort

AsJamesnotes,“Smallimprovementstothetools peopleuseeverydaycantranslateintomeaningful gainsacrosstheorganization.”

Customer Experience as

a Differentiator

In industries like hospitality and retail, the customer experience is becoming just as important as the product or service itself Consumers expect environments that feel personalized, intuitive, and efficient, and SMBs are looking for ways to deliver that with minimized operational burden.

Modern display technologies are helping them get there Hospitality businesses can create more seamless guest journeys, while retailers can adapt quickly to changing conditions through dynamic content, wayfinding displays, and promotional messaging The result is an environment that feels more modern, more responsive, and more aligned with the expectations of today’s customer

The takeaway is simple: technology is no longer just a back-end tool; it’s now part of the experience customers interact with

A More Grounded Approach to AI

AI is creating new opportunities for SMBs, but it’s also creating new questions Where should businesses start? How much change is really required? And how do they avoid the feeling that adopting AI means rebuilding everything from the ground up?

James emphasizes a practical path: “AI should be seen as a way to solve immediate challenges, not as a massive overhaul When AI removes friction, optimizing content, automating processes, supporting accessibility, that’s when it becomes truly valuable ”

This approach turns AI from something abstract into something actionable. Businesses can start small: introduce smarter tools that enhance existing workflows, identify a bottleneck, apply AI to relieve that pain point, and scale thoughtfully over time. It’s a progression, not a leap

The Foundation Behind Every Smart System

Behind every AI capability or digital experience is a critical foundation: data performance and data protection.

As data volumes grow, high-speed storage and intelligent system chips become essential, not only to support analytics and performance, but to ensure organizations can scale without compromising security “Strong infrastructure is what allows innovation to move forward safely,” James notes

ForSMBs,thatmeans choosingtechnologythat supportsbothgrowthand governance.

Building Toward the Connected Workplace

Looking ahead, the next competitive advantage for SMBs will come from creating environments where devices, workflows, and data speak to one another Connected platforms are making this possible by allowing businesses to automate tasks, monitor environments, and streamline operations through a single interface

It’s a future defined not by more technology, but by smarter technology working together

Managingcashflow:

ArticleByADP

Managing cash flow has become a central part of small business finance in Canada This article outlines practical steps to help small business owners strengthen financial resilience through consistent cash flow tracking, accurate forecasting, efficient payroll processes and the use of digital tools for better visibility It also highlights how planning and clear communication can support steady operations and improve financial planning for small business owners across changing economic conditions

Why cash flow matters more than ever

Maintaining a steady cash flow requires close attention to both incoming and outgoing funds Regular tracking allows you to identify patterns, anticipate slower periods and make necessary adjustments before challenges arise Ensure all sources of income, including sales, services and receivables, are recorded and compared against expenses like payroll, rent and supplier payments Reviewing these figures weekly or monthly enables a clear understanding of your cash position, allowing for confident forward planning

Tracking cash flow consistently is crucial for sustaining a reliable cash flow By regularly monitoring your financial inflows and outflows, you’ll be better prepared to pinpoint trends and adjust as needed Record all sources of income, including sales, services and receivables, and compare them against expenses such as payroll, rent and supplier Track your inflows and outflows consistently

payments Conducting weekly or monthly reviews of these figures enhances awareness of your cash position, fostering proactive planning

Setting aside extra funds creates a buffer during slower months or unexpected disruptions A healthy reserve can help you meet payroll, cover fixed costs and manage vendor payments without relying on credit. Start by setting aside a small percentage of your profits each month into a separate savings account Over time, aim to save enough to cover several months of essential expenses A dedicated reserve gives your business more flexibility and peace of mind when conditions change

4)

Forecast and plan for multiple scenarios

Effective forecasting helps you anticipate cash flow challenges before they occur By estimating future inflows and outflows, you can determine when to scale back expenses or invest in growth Develop various financial scenarios to assess the potential impacts of changes in revenue or costs on your liquidity Update these forecasts consistently with current data, adjusting spending or hiring strategies as necessary A clear understanding of potential outcomes supports informed decision making, even in uncertain market conditions

5) 2) 3) 6)

Strengthen communication with clients and suppliers Build a cash reserve

Manage payroll efficiently

Payroll is typically one of the largest ongoing expenses for small businesses, and even minor delays or errors can disrupt cash flow Automating your payroll processes helps reduce the risk of miscalculations and supports a predictable payment schedule Assess your payroll cycle to confirm it aligns with incoming revenue streams, and stay ahead of important deadlines like source deduction remittances and year-end reporting Regularly reviewing employee classifications also helps ensure compliance with Canadian payroll laws With intelligent payroll technology, small businesses can automate processing, manage deductions and forecast labour costs.

Transparent communication helps maintain healthy cash flow relationships Reach out to clients before invoices are due, and provide clear, consistent payment terms Early reminders often prevent delays and foster reliability Consider offering small discounts for early payments or negotiating flexible terms with trusted partners On the supplier side, reviewing contracts and aligning payment schedules with your revenue cycle can ease pressure on cash reserves. Building strong relationships can contribute to predictable inflows and outflows.

Manual financial processes can be time-consuming and prone to oversight Using digital tools allows you to automate tasks such as invoicing, expense tracking and reporting, enhancing overall efficiency Automation frees you to focus on strategic initiatives and growth rather than administrative tasks Integrating payroll, HR and financial systems simplifies the monitoring of labour costs and forecasting future expenses Together, reliable data and automation enhance financial visibility and support strategic decision making

From uncertainty to opportunity

Achieving financial fitness is an ongoing effort Consistent tracking, proactive forecasting and automation are foundational elements of stability Small businesses in Canada that embrace these practices can navigate uncertainty with enhanced confidence and resilience.

ExploreADPCanada’sSmallBusinessToolkit:From SparktoStrategyforvaluableresourcestohelpyou plan,protectandgrowyourbusiness.

Hwayeon Nam is a seasoned leader in the food and beverage industry with over two decades of experience driving brand growth and international expansion. She began her career in 1998 at McDonald’s Korea, specializing in marketing and brand development. Her passion for introducing global dining experiences to local markets led her to play a pivotal role in launching and establishing renowned brands such as Crystal Jade, a premium Chinese cuisine concept, and Paul Bassett, a specialty café brand, in South Korea

Hwa-yeonNam

SeniorExecutiveDirectoroftheGlobal

Building on her success in Korea, Hwayeon later transitioned into an international leadership role as Head of Operations at Crystal Jade’s Singapore headquarters, where she oversaw multi-market operations and strategic initiatives across Asia Her expertise spans brand localization, operational excellence, and franchise development, making her a trusted authority in global F&B business strategy.

FromTorontoFlagship toNorthAmerican Growth

In an exclusive interview with CanadianSME Small Business Magazine, Hwa-yeon Nam, Senior Executive Director of the Global Business Division at Dining Brands Group, reflects on BHC Chicken’s first year in Canada and what it has revealed about building a global brand in a highly competitive local market. With Toronto serving as BHC’s North American flagship, the launch has become a real-world proving ground for operations, menu strategy, and customer behavior

Currently, Hwayeon serves as Senior Executive Director of the Global Business Division at Dining Brands Group, where she leads the company’s overseas expansion strategy Under her leadership, bhc has established a strong international footprint, operating in nine countries including the United States, Canada, Singapore, Thailand, and other Southeast Asian markets with a network of five company-owned and 33 franchised stores She is committed to building sustainable growth through innovative market-entry strategies, strong partnerships, and exceptional dining experiences worldwide.

BHC Chicken’s Toronto flagship at The Well is your first Canadian location and North American flagship. Looking back at the first year, what were the biggest learnings from launching in such a competitive, K‑fried-chicken market in downtown Toronto?

Opening our North American flagship in downtown Toronto was never meant to be an easy entry The Kfried-chicken category is already competitive, and customer expectations in the city are very high What became clear early on is that differentiation can’t live only in branding it has to show up consistently in daily operations

Toronto customers look closely at everything: taste, speed, portioning, consistency, and the overall experience That reality pushed us to continuously refine our kitchen flow and how we manage peak hours It was a process of adjustment rather than a single decision

Another important learning was the role of repeat visits In a dense urban market, long-term performance depends less on first-time traffic and more on whether customers choose to come back as part of their routine

The Toronto restaurant has welcomed over 110,000 visitors in its first 12 months, quickly becoming a high-traffic K-food destination. What did this early performance tell you about Canadian consumer appetite for K‑chicken and K‑culture, and how did it compare with your expectations going in?

Welcoming more than 110,000 visitors in our first year suggested that interest in K-chicken in Canada goes beyond short-term curiosity What stood out to us was how much of that traffic came from returning customers, which matters more than headline numbers when thinking about long-term growth.

We expected strong engagement from Korean and Asian communities, but what surprised us was how quickly non-Korean customers became comfortable with our menu Many responded positively to BHC’s seasoning-forward flavors and came back for them

That experience reinforced something simple: while K-culture can draw initial attention, customers stay for quality and consistency For us, the first year wasn’t about exceeding expectations, but about confirming that if the fundamentals are done well, the market responds in a very practical way

You’ve described the Toronto flagship as a testbed for menu localization, operations and customer traffic patterns. What specific insights from this first year are now shaping your playbook for franchise expansion across North America?

The Toronto store gave us clarity through real operating data We were able to see when demand peaks, where the kitchen feels the most pressure, and how staffing levels affect both speed and customer experience Those observations now directly inform us how we design and run future stores

From a menu perspective, it became clearer which items consistently drive repeat visits and which ones help first-time customers feel more comfortable ordering That allowed us to simplify where needed and focus on what truly supports both operations and customer behavior

Most importantly, Toronto helped us understand what “healthy performance” looks like for a single store in a North American urban setting Having that reference point makes decisions around expansion more grounded and less theoretical as we move into Ontario and other markets

BHC Chicken is known for its signature flavours like Bburinkle and Matcho King, alongside localized items such as poutine and sandwiches in Toronto. How are you balancing brand authenticity with local tastes as you refine your North American menu strategy?

For us, authenticity starts with protecting the core flavors Items like Bburinkle and Matcho King define BHC and remain central in every market That foundation doesn’t change

Localization plays a supporting role In Toronto, menu items like poutine or sandwiches helped first-time guests approach the brand more comfortably and expanded how customers use the restaurant throughout the day At the same time, were careful not to change our flavor philosophy We adjust formats, not the identity of the food

Our approach in North America is to keep the center of the menu very clear and allow limited flexibility around it where it makes sense operationally and culturally That balance helps the brand stay recognizable while still feeling approachable in a local context

As head of the Global Business Division at Dining Brands Group, you’re looking beyond a single store to a broader regional strategy. What early trends and opportunities do you see in North America for BHC and other Dining Brands concepts, and what can Canadian SMEs learn from your approach to international expansion?

In North America, consumers are open to global flavors, but their expectations are very practical Food has to be good every time, service has to be reliable, and the experience can’t fluctuate too much If those basics aren’t met, it’s hard to build something lasting.

With BHC, operating a single store in Toronto helped us understand those expectations clearly before thinking about the next step That experience gives us confidence as we look toward Ontario and beyond We see similar potential for other Dining Brands concepts that can travel without losing their core identity

For Canadian SMEs, the lesson is straightforward Before expanding, it’s important to be honest about whether the current model truly works on repeat And once that answer is clear, moving forward with focus and decisiveness becomes just as important

Disclaimer:Theviewsandopinionsexpressedinthisinterviewarethoseof theintervieweeanddonotnecessarilyreflecttheofficialpolicyorposition ofCanadianSMESmallBusinessMagazine Ourplatformisdedicatedto fosteringdialogueandsharinginsightsthatinspireandempowersmall andmedium-sizedbusinessesacrossCanada.

HowAmexGrantsHelp RestaurantsThrive

In an exclusive interview with CanadianSME Small Business Magazine, Kerri-Ann Santaguida, Vice President and General Manager of Merchant Services Canada at American Express, shares how one of the world’s most trusted financial brands is translating global scale into meaningful local impact for Canadian small businesses

InterviewByMaheenBari

A skilled executive with a passion for partnerships and collaboration, Kerri-Ann Santaguida is the Vice President and General Manager of Merchant Services Canada at American Express, where she is a key member of the executive team at one of Canada’s top travel and financial services companies.

Responsible for leading a high performing Acquisition and Business Development teams of more than 100+ employees from across Canada, Kerri-Ann oversees and leads the strategic direction for American Express Merchant Services Business in Canada

Kerri-Ann has responsibility for growing coverage and market share through acquisition channels , existing merchant partnerships, as well as executing the OptBlue Acquisition strategy for small merchants in Canada Kerri-Ann’s teams plays a vital role in the organization’s growth and profitability

As Vice President and General Manager of Merchant Services Canada at American Express, you oversee relationships with thousands of merchants nationwide; how does the Backing International Small Restaurants grant program fit into Amex’s broader strategy to empower small businesses and local communities in Canada and around the world?

Backing small businesses is core to American Express, and the Backing International Small Restaurants program is a natural extension of that focus. Independent restaurants are vital to their neighbourhoods and this program helps owners invest in their businesses and communities Now in its fourth year in Canada, it works alongside programs like Shop Small to support growth for local businesses

The 2025 program offers grants to small, independent restaurants to modernize their spaces, improve kitchen operations, and enhance digital tools so they can adapt and grow; from your perspective, what kinds of upgrades or investments tend to deliver the biggest long-term impact on restaurant resilience and customer experience?

The most effective investments enhance the customer experience while improving efficiency for business owners Kitchen upgrades, workflow improvements, and technology can help restaurants run more smoothly Digital tools like online ordering or marketing make it easier for customers to connect Refreshing a space also makes a restaurant feel more welcoming and keeps customers coming back

The Backing International Small Restaurants initiative, now in its fourth year, has supported more than 200 restaurants globally with over a few million dollars in funding, while its sister Backing Historic Small Restaurants program has helped hundreds of historic eateries in the U.S.; can you walk our readers through how long the Canadian program has been running, how many restaurants it has supported to date, and what the application and selection process looks like for interested owners in cities like Toronto and Montreal?

Backing International Small Restaurants has been running in Canada for four years and restaurants are selected based on community impact and persevering through economic challenges In 2025, we ’ re supporting 20 restaurants with $20,000 CAD grants, bringing total support to more than 50 restaurants in Canada since the program started Globally, over 200 restaurants have received funding since the program started. Interest in the program continues to growth, with applications increasing by 12% increase compared to last year

Past grantees have used funding to host more community events, upgrade equipment, and reimagine their dining spaces, often becoming even stronger cultural anchors in their neighbourhoods; could you share one or two success stories either from Canada or internationally that illustrate how this grant has transformed a small restaurant’s business, and how American Express continues to support these entrepreneurs beyond the initial funding through initiatives like Shop Small and Small Business Saturday?

We’ve seen many restaurants use the grant to strengthen their role in the community One example is Nicaroma Café in Toronto, which plans to upgrade kitchen equipment, support takeout and delivery, and improve accessibility

Beyond this program, Amex Canada has proudly supported 350 Canadian small businesses with $3 5 million CAD in grant funding through our various small business grant programs administered by DMZ at Toronto Metropolitan University

Many Canadian small business owners—especially independent restaurateurs are looking for practical ways to stay competitive, deepen customer loyalty, and tap into programs like Backing International Small Restaurants; drawing on your experience leading merchant services and supporting SMBs, what key advice or final thoughts would you share with entrepreneurs who want to grow sustainably while staying true to their community-focused roots?

Stay close to your customers and your community while continuing to adapt The right investments can help you grow without losing what makes your restaurant special Programs like Backing International Small Restaurants are designed to support that balance and help businesses grow sustainably

Disclaimer:Theviewsandopinionsexpressedin thisinterviewarethoseoftheintervieweeanddo notnecessarilyreflecttheofficialpolicyor positionofCanadianSMESmallBusiness Magazine Ourplatformisdedicatedtofostering dialogueandsharinginsightsthatinspireand empowersmallandmedium-sizedbusinesses acrossCanada

Retail Media Networks: PoweringCanadian BrandGrowth

In an exclusive interview with CanadianSME Small Business Magazine, Karamjot Bains, Partner at EY Studio+ and National Ecommerce Leader at EY Canada, offers a clear-eyed view into one of the fastestevolving forces in modern marketing: retail media networks. As Canadian brands navigate an increasingly fragmented media and commerce landscape, RMNs are emerging as a powerful bridge between customer insight, marketing precision, and measurable growth

InterviewBySKUddin

Karamjot is a Partner in EY Studio+ focused on the consumer and retail sector and EY Canada’s National Ecommerce

With deep experience at the intersection of strategy, commercial operations, technology and customer experience, Karamjot works with clients to reimagine how they engage, sell, serve and ultimately drive commercial success in an increasingly digitally engaged world. Karamjot holds an MBA from Rotman School of Management at the University of Toronto and a BASc in Electrical Engineering from the University of Waterloo.

Retail media networks have evolved far beyond sponsored search placements on retailer websites. For readers who may be new to RMNs, how do you define them, and why are they becoming such a vital pillar of modern brand marketing in Canada?

Retail media networks (RMNs) are digital advertising platforms run by retailers that use their own shopper data and direct relationships to connect brands with consumers throughout the entire purchase journey They allow brands to target specific shopper segments with personalized messages, both online and in-store What sets RMNs apart is their ability to use a brand’s own shopper data to target audiences with precision, track the impact of ads all the way to actual purchases and measure results in real time In Canada, this is especially valuable as shopping habits blend digital and physical experiences RMNs help brands reach consumers at every stage, from when they first hear about a product to when they decide to buy. Their role is growing because they offer brands a way to tell their story, build relationships and drive results in a market where shoppers expect personalized, relevant experiences

Your new EY Canada report, “Reaching shoppers beyond the cart,” highlights the full-funnel potential of RMNs. In practical terms, what makes RMNs more than a pure sales-driving tool, and how can brands use them to build both awareness and long-term loyalty?

With RMNs, brands can use retailer data to pinpoint and reach the right shoppers, delivering messages that truly resonate For instance, a brand isn’t limited to targeting people already browsing a retailer’s website, they can also connect with new audiences through channels like social media and connected TV This multichannel approach means brands can introduce themselves in fresh, relevant contexts, making their awareness campaigns much more impactful

RMNs also allow brands to personalize their outreach based on actual shopper behaviours, rather than just broad demographic categories When it comes to measuring success, many brands have traditionally focused on CPM (cost per thousand impressions) which simply counts how many people see an ad However, CPM doesn’t account for whether those impressions are reaching the right audience or driving meaningful engagement But RMNs enable brands to look beyond reach, focusing instead on meaningful outcomes like ad recall and repeat purchases Brands using RMNs not only to boost sales, but also to deepen relationships with shoppers, turning one-time buyers into loyal customers By tapping into these networks, they can stay top-ofmind, refine their strategies using real insights and build connections that last well beyond the first purchase

BrandscanuseRMNfirstpartydatatotargetqualified shoppersacrossupper funneldigitalchannels(e.g., connectedTV,socialmedia) andthentracktheresultsof thetargetingtopurchase. ThismakesRMNsunique. Theycanhelpadvertisers targetqualifiedshoppers, trackmeaningfully effectiveness,andreduce wastedspend.

Many brands are still using RMNs primarily for lower-funnel activation. What steps should businesses — especially small and mid-sized consumer brands — take to unlock the full value of RMNs across planning, execution and measurement?

For small and mid-sized brands, RMNs can offer much more than just a quick boost in sales The first step is to educate your team about the full capabilities of RMNs by sharing case studies and encouraging experimentation to help everyone understand their potential. It’s important to be strategic when selecting which RMNs to partner with, making sure the platform aligns with your brands goals and target audience Rather than treating RMNs as a separate initiative, integrate them into your overall marketing and sales plans so efforts are coordinated and consistent

When measuring success, move beyond basic metrics like impressions and clicks Instead, focus on incremental customer lifetime value and adjusted cost per thousand impressions. Testing different campaign approaches, learning from the results, and sharing those insights internally will help refine your strategy. Brands that collaborate across teams, use RMNs thoughtfully, and adapt based on real data will be better positioned to build awareness, drive sales and foster loyalty in today’s competitive market

RMNs sit at the intersection of marketing, media and commerce, with rich first-party data and closed-loop measurement. How can they help organizations better integrate their marketing and commercial efforts, and what kinds of metrics, such as incremental ROAS or customer lifetime value, matter most?

RMNs are transforming how brands connect marketing and commercial efforts by directly linking ad exposure to actual purchase behaviour This closed-loop approach means brands can finally see which campaigns are driving real sales, not just clicks or impressions Instead of relying solely on traditional metrics like ROAS (Return on Ad Spend), which often misses the incremental impact of media investments, RMNs enable brands to use incremental ROAS (iROAS) to measure the true lift generated by their campaigns iROAS compares sales results between groups exposed to ads and those who weren’t, revealing which audiences and tactics are genuinely moving the needle

Another valuable metric is incremental customer lifetime value (iCLTV), which estimates the long-term value of new shoppers acquired through a campaign, not just immediate sales Brands can layer predicted postcampaign sales by shopper segment and refine these estimates with actual spend data, leading to smarter, more accountable strategies Adjusted CPM (cost per thousand impressions) also matters, as it reflects the quality of the audience reached, not just the volume.

Looking ahead to 2026, what key trends in Canadian retail media should SMEs be watching, and what advice would you offer leaders who want to experiment with RMNs in a way that is strategic, measurable and aligned with their brand?

Looking ahead, Canadian retail media is set to become even more integrated, with digital and in-store experiences merging seamlessly Brands should expect more advanced targeting, powered by AI and first-party data, and better measurement tools that go beyond basic sales figures RMNs will also look to partner with media agencies by sharing their first-party data for better targeting For small and mid-sized enterprises, the key is to start experimenting with RMNs in a way that’s strategic and measurable. Choose partners that align with your brand, run campaigns that cover the full shopper journey, and use data to refine your approach Don’t be afraid to test, learn, and adapt Those who do will be best positioned to thrive as retail media evolves

Disclaimer:Theviewsandopinions expressedinthisinterviewarethose oftheintervieweeanddonot necessarilyreflecttheofficialpolicy orpositionofCanadianSMESmall BusinessMagazine Ourplatformis dedicatedtofosteringdialogueand sharinginsightsthatinspireand empowersmallandmedium-sized businessesacrossCanada

WhatActuallyWorksforLocal Businessesin2026

Whychurningout4blogpostspermonthwon'tget youranked andtheprovenentity-basedstrategy thatdeliversresultsinweeks,notyears

ByJasonHunt,Co-FounderandCMOofMergedMedia

If your SEO agency has you publishing four blog posts every month, building separate pages for every nearby city, and telling you to "just wait 6-12 months for results," you ' re following a 2022 playbook that no longer works

The local SEO landscape has fundamentally shifted, yet most small businesses are still paying for outdated strategies that waste money and deliver little to no ranking improvement Here's what's changed and what you should be doing instead.

The Blog Myth That Won't Die

For years, the standard SEO advice was simple: publish content consistently, target every keyword variation, and build as many pages as possible Agencies convinced business owners that blogging 4+ times per month was essential for ranking success

The problem? Google's algorithm evolved Today's search engine doesn't just match keywords; it understands businesses as entities with authority, relevance, and context That shift makes the old blog-heavy approach not just ineffective, but potentially harmful

Considerthisrealexample:A localcleaningcompanycame toMergedMediawith80+ pagesontheirwebsite, includingseparatepagesfor "pressurewashingKitchener" and"powerwashingKitchener," essentiallythesameservice withduplicatecontent.Despite monthlyblogpostsand extensivepagebuilding,they weren'tranking.

The solution wasn't adding more content We consolidated those 80 pages into 15 strategically optimized pages focused on entity clusters rather than keyword stuffing The result? Top 3 local rankings within 60 days

What Entity-Based SEO Actually Means Speed to Results: The New Reality

Instead of trying to rank for every possible keyword variation, entity-based SEO focuses on establishing your business as an authority in your category and location Google now recognizes that "Kitchener" and "Waterloo" are essentially the same market; you don't need separate pages for cities five miles apart

This approach prioritizes quality over quantity: fewer pages with deeper, more authoritative content that clearly establishes what your business does, where you serve, and why you ' re the expert It means optimizing your Google Business Profile (which many agencies completely neglect) and building semantic authority rather than chasing keyword density targets

Red Flags Your Current Agency Hopes You Don't Notice

Take a critical look at your website and current SEO strategy If you see any of these warning signs, you ' re likely paying for outdated tactics:

Separate pages for the same service with slight keyword variations (pressure washing vs power washing)

Individual pages for every city within a 10-mile radius

Monthly reports showing "activity" but no meaningful ranking improvements

Agencies blaming "algorithm updates" for lack of results after 6+ months

A bloated sitemap with 50+ service pages that Google sees as duplicate content

Modern local SEO doesn't take a year to show results When executed correctly, businesses can achieve top 3 local rankings in 14 to 60 days That's not hype; it's the outcome of aligning with how Google's algorithm actually works today

The key is strategic consolidation, entity authority building, and consistent weekly optimization, not the "set and forget" approach many agencies still use

Before renewing your contract or hiring a new agency, ask these critical questions:

Do they prioritize Google Business Profile optimization or focus primarily on website content?

Will they audit your existing pages and potentially remove content, or only add more?

Can they explain entity-based SEO and semantic clustering in plain language?

Do they provide weekly optimization, or just monthly reporting?

Can they showcase studies with ranking improvements in under 90 days?

If your agency can't answer these confidently or defaults to "it takes 6-12 months," youre working with someone still operating in the old paradigm

These are symptoms of 2022 SEO, strategies that worked when keyword matching was king but now actively hurt your rankings by creating confusion and diluting your site's authority

Local SEO has evolved Make sure your strategy and your agency has evolved with it

AbouttheAuthor:Thisarticlewascontributedby JasonHuntatMergedMedia,alocaldigitalmarketing agencyspecializinginentity-basedoptimization strategiesforsmallbusinessesacrossCanada

The Invisible Gap Between Revenue and Stability

Many small business owners assume that if money is coming in, the business must be doing well. But revenue alone does not equal stability. Without structured financial records, business owners often operate in a constant state of reaction responding to bills, deadlines, and surprises rather than planning ahead

This gap between revenue and clarity can quietly hold businesses back Entrepreneurs may delay growth, underprice their services, or avoid important decisions simply because they don’t have reliable financial information to guide them

The Turning Point: Understanding the Numbers

BySuhaneilUzcategui,Accountingand financeprofessionalbasedinOntario

For many entrepreneurs, the turning point comes when they decide to face their numbers not just at tax time, but consistently throughout the year

FromPassiontoSustainability:

WhyFinancialClarityChangesthe FutureofSmallBusinessesinCanada

When Ana opened her small wellness studio in Ontario, she did everything right or so she thought She had a loyal client base, steady bookings, and a growing reputation in her community From the outside, her business looked successful

Yet every tax season brought the same feeling: anxiety

Ana knew how much money came in each month, but she couldn’t confidently say how much she actually earned. She didn’t know whether she could afford to hire help, invest in better equipment, or take time off Despite working long hours, financial uncertainty followed her everywhere

Ana’s story is not unique.

When Ana began tracking her income and expenses properly, patterns emerged She discovered which services were profitable and which were draining her time and resources She saw how much she needed to set aside for taxes and finally understood her true monthly cash flow

With this clarity came confidence.

She was no longer guessing She was planning

Why Financial Organization Is About More Than Compliance

In Canada, financial organization is often framed around compliance: filing taxes, registering for GST/HST, or responding to CRA notices While compliance is critical, its true value goes beyond avoiding penalties

Organized finances create:

Predictability in cash flow

Confidence in pricing and expansion decisions

Credibility when seeking financing or partnerships

For small business owners, this structure becomes a form of protection against stress, against costly mistakes, and against burnout

Growth Requires Different Financial Thinking

As businesses grow, financial needs change A sole proprietor managing basic expenses faces different challenges than a corporation managing payroll, equipment financing, or multiple revenue streams

What remains constant is the need for clear, accurate financial information Growth without structure often leads to chaos, while growth with planning creates sustainability

Entrepreneurs who succeed long-term understand that financial systems must evolve alongside their businesses.

Technology Helps, but Understanding Matters More

Digital tools have transformed how small businesses manage their finances Accounting software, cloud reporting, and automation have made bookkeeping more accessible However, tools alone are not enough

Without understanding what the numbers mean, reports become confusing or misleading. Technology should support decision-making not replace it.

Financial literacy empowers entrepreneurs to use technology effectively and confidently

A Strong Financial Foundation Builds

Freedom

For many entrepreneurs, the goal of starting a business is freedom freedom of time, income, and choice Ironically, without financial clarity, that freedom often feels out of reach

When business owners understand their finances, they regain control They can plan vacations without fear, invest with intention, and grow without constant uncertainty

Ana eventually hired her first team member Not because she felt ready emotionally, but because her numbers showed she was ready financially.

Building Businesses That Last

Small businesses are built on passion, but they are sustained by clarity Financial organization is not about perfection it’s about awareness, consistency, and informed decision-making

In a rapidly changing economic environment, Canadian small businesses that invest in strong financial foundations are better equipped to adapt, grow, and endure

Because when entrepreneurs understand their numbers, they don’t just survive they build businesses that last

AbouttheAuthor:SuhaneilUzcateguiisanaccountingandfinance professionalbasedinOntariowithoveradecadeofexperience supportingsmallbusinessesandentrepreneurs.Shespecializesin helpingbusinessownersbuildstrongfinancialfoundationsthroughclear financialorganization,planning,andcompliancewithintheCanadiantax system.Suhaneilworkscloselywithentrepreneursatdifferentstagesof growth,withaparticularfocusonpracticalfinancialeducationandlongtermsustainability.

In an exclusive interview with CanadianSME Small Business Magazine, Rohanthi (Ro) Wijewickrama, Founder & CEO of Bellybees, shares how a deeply personal parenting choice evolved into a purpose-driven children’s brand redefining early learning and nutrition. What began as a desire to offer her son clean, nourishing food has grown into a holistic platform supporting families through screen-free education, creativity, and intentional childhood development.

InterviewByKripaAnand

Rohanthi (Ro) Wijewickrama – Founder & CEO of Bellybees Entrepreneur | Author | Public Speaker

Rohanthi Wijewickrama, also known as Ro, is a dynamic entrepreneur, award-winning business leader, and accomplished author. Born in Sri Lanka and now based in Toronto, Canada, Ro’s passion for storytelling began at a young age, writing her first book at just 10 years old. As the Founder and CEO of Bellybees, Ro began her entrepreneurial journey by creating 100% natural, nutritious food for her son. Her mission to give him the very best evolved into a broader vision: designing books, flashcards, educational toys, craft kits, and games that inspire creativity, foster curiosity, and support screen-free learning for children Ro brings a strong academic and professional foundation to her work She holds an MBA in Business, is certified in Food Technology, and certified in Early Childhood Development, combining expertise in entrepreneurship, communications, brand development, and child education

Screen-FreeLearning andNutritionWith Bellybees

Bellybees started with you simply wanting the very best, most natural food for your son and has now grown into a full children’s brand. How would you describe the Bellybees journey so far, and what core mission continues to guide every product you create?

Bellybees started from a very simple, deeply personal place As a mother, I wanted the very best for my son real, natural food made with care and intention I couldn’t always find products that aligned with my values, so I began creating them myself What started in my kitchen as baby food made with love slowly evolved into something bigger as I began to understand that raising healthy children goes far beyond nutrition alone

As my journey as a parent grew, so did my vision for Bellybees I saw a need for products that support not just healthy bodies, but curious minds too That realization led Bellybees to expand into screen-free educational products like flashcards, storybooks, puzzles, and creative activity kits tools designed to encourage learning through play and meaningful connection

TheheartofBellybeeshasnever changed.Everyproductwecreateis guidedbyonecoremission:tonourish childrenholisticallywhilesupporting familiesinraisingconfident,curiouslittle humans.Wefocusonnatural ingredients,thoughtfuldesign,andageappropriatelearning,alwayskeeping parentsandchildrenatthecenterof everydecision.Bellybeesismorethana brand—it’sareflectionofmyjourneyas amother,builtoncare,creativity,and thebeliefthatsmall,intentionalchoices canshapeachild’sworld.

Screen-free learning is central to your work, from storybooks and flashcards to craft kits and games. Why is limiting screen time so important to you, and how do your products help children build curiosity, creativity, and real-world problem-solving skills?

Screen-free learning matters deeply to me because I’ve seen how powerful simple, hands-on moments can be in a child’s life As a parent, I wanted my child to grow up curious, confident, and connected not constantly distracted by a screen While screens are part of our world, I believe early childhood should be rooted in real experiences: touching, building, imagining, and figuring things out in their own time

When children play without screens, they learn to focus, to be patient, and to trust their own ideas That’s where creativity truly begins With Bellybees, every storybook, flashcard, puzzle, and craft kit is designed to invite children to slow down and engage with the world around them Turning pages, matching letters, creating something with their hands these moments build problem-solving skills in a natural, joyful way

Our products encourage children to ask questions, experiment, and learn through play rather than passive watching They also create opportunities for parents and children to connect, talk, and learn together, which is just as important At the heart of Bellybees is the belief that childhood should be hands-on, imaginative, and full of discovery By limiting screen time, we give children the space to grow into curious, creative thinkers who are confident in exploring the real world

Bellybees now offers everything from educational flashcards and puzzles to activity kits and early learning books, alongside a growing line of baby and toddler foods. Can you walk us through a few of your most popular products and what makes them different from what’s already in the market?

At Bellybees, every product begins with the same question: How will this truly support a childs growth and a family’s everyday life? That mindset has shaped a collection of products that are both practical and purposeful

One of our standout favourites is the Bellybees Scavenger Hunt Kit It’s designed to get children moving, observing, and thinking whether indoors or outdoors Instead of passive play, kids are encouraged to explore their surroundings, follow clues, and problem-solve along the way It builds curiosity, language skills, and confidence, while turning everyday spaces into exciting learning environments families can enjoy together

Our educational flashcards and puzzles are another customer favourite They’re thoughtfully designed to support early literacy, number recognition, and fine motor skills without overwhelming young learners The focus is on discovery and conversation, not memorization

We also offer hands-on activity kits and early learning books that invite creativity, storytelling, and imaginative play, giving children the freedom to explore ideas in their own way.

You’re an entrepreneur, author, public speaker, and a mom building an international brand that began in Sri Lanka and now operates from Canada. How have your personal story and multicultural background shaped the way you think about early childhood development, imagination, and family connection?

Alongside learning tools, our infant cereal holds a special place in the Bellybees story Made with simple, nourishing ingredients, it was created to give parents a clean, wholesome option during one of the most important stages of development Just like our learning products, it’s rooted in care, quality, and trust

What sets Bellybees apart is intention every product supports whole-child development, from the first bite to the first big ideas

My personal story is deeply woven into everything I create at Bellybees Growing up in Sri Lanka and later building my life and business in Canada has given me a unique perspective on childhood, family, and learning In both cultures, I saw how important community, storytelling, shared meals, and time together are in shaping a child’s sense of security and imagination Those early experiences stayed with me, even as my world expanded

As a mother and an entrepreneur, I’ve learned that early childhood development isn’t one-size-fits-all Children thrive when they feel seen, connected, and free to explore at their own pace My multicultural background has taught me to value simplicity, warmth, and intention things that don’t rely on trends or technology, but on human connection Imagination is sparked through stories passed down, hands-on play, and everyday moments spent together, not through constant stimulation

BuildingBellybeesacrossbordershasreinforcedmy beliefthatfamilieseverywherewantthesamethings: toraisekind,curiouschildrenandtofeelsupported alongtheway.MyjourneycontinuestoshapehowI approacheveryproductandstory—alwayswith empathy,inclusivity,andtheunderstandingthatthe strongestlearninghappenswhenfamiliesaretruly connected.

Looking ahead to 2030, what future products or expansions excite you most — whether it’s infant food in Canada, new learning tools, or global growth — and what final piece of advice would you share with small and mid-sized business owners who want to build brands that are both purpose-driven and scalable?

Looking ahead to 2030, I’m incredibly excited about where Bellybees can grow while staying true to its heart One of our biggest goals is expanding our infant and toddler food line in Canada, making clean, nourishing options more accessible to families who are looking for transparency and quality they can trust Food is where Bellybees began, and continuing to grow in that space feels both meaningful and full circle

At the same time, I’m excited about developing new learning tools that go even deeper into screen-free, hands-on experiences products that support emotional development, creativity, and problem-solving as children grow. We’re also exploring ways to bring Bellybees to more families globally, building partnerships that allow us to grow internationally without losing the personal, thoughtful approach that defines our brand

For small and mid-sized business owners, my biggest piece of advice is this: lead with purpose, but build with intention, Do not be afraid to fail, and treat every experience as an educational one Your mission should guide every decision, but systems, consistency, and scalability matter just as much Stay close to your customer, listen deeply, and don’t chase trends that pull you away from your values Growth doesn’t have to mean losing your soul when you build with clarity and care, your brand can scale while still making a real impact.

Disclaimer:Theviewsandopinionsexpressedinthis interviewarethoseoftheintervieweeanddonot necessarilyreflecttheofficialpolicyorpositionof CanadianSMESmallBusinessMagazine Ourplatform isdedicatedtofosteringdialogueandsharing insightsthatinspireandempowersmalland medium-sizedbusinessesacrossCanada

SafeBuildings: DigitalToolsforSaferCities

In an exclusive interview with CanadianSME

Small Business Magazine, Jason D Reid, President and Senior Advisor at National Life Safety Group and Co-Founder of Safe Buildings, shares a front-line perspective on one of the most overlooked risks facing modern cities: the lack of reliable building intelligence during emergencies. Drawing on decades of experience working alongside police, fire, and EMS teams, Jason explains why information gaps not preparedness often create the greatest danger when seconds matter most

InterviewByMaheenBari

Jason Reid is the co-founder of Safe Buildings Tech, a Canadian technology company he founded alongside Aamer Merchant to strengthen community safety by connecting building owners with police, fire, and EMS through a shared digital safety platform Their collective work centres on eliminating the information gaps that routinely slow emergency response in complex buildings

With nearly 25 years in fire safety and emergency management, Jason brings deep operational experience to the design of practical safety technology. He is also a Senior Advisor with National Life Safety Group, where he has led fire and emergency management consulting for more than a decade, advising on risk, compliance, and emergency planning for high-rise buildings, mass venues, and critical infrastructure

Working in partnership with public safety agencies and industry stakeholders, Jason and Aamer lead a team advancing the Safe Buildings; Building Access Program, enabling secure, real-time access to critical building information during emergencies

JasonDReid PresidentandSeniorAdvisor atNationalLifeSafetyGroupand

Co-FounderofSafeBuildings

You’ve spent more than two decades in fire safety and emergency management, across malls, airports, and critical infrastructure. From your perspective, what is the single biggest challenge first responders face when they arrive at an emergency in a building, and how did those gaps lead you to co found Safe Buildings?

Across every sector I’ve worked in malls, airports, high-rises, critical infrastructure the biggest challenge is the same: first responders are forced to make high-risk decisions without reliable, real-time building information Police, fire, and EMS arrive prepared, but they’re often missing floor plans, access details, hazard locations, or even a current contact list. Too often, that information exists only on paper, is outdated, or can’t be located when it matters most

That gap has shown up in countless incident reviews, and it costs time, safety, and sometimes lives Safe Buildings was born out of that reality. The idea was simple: put critical building intelligence into a secure digital system that first responders can trust and access instantly, while also helping owners actively manage their responsibilities, to prevent those emergencies It’s about closing a gap the industry has lived with for far too long

For readers who are new to the concept, how would you describe Safe Buildings in plain language, and what specific problem does it solve for both building owners and frontline police, fire, and EMS teams?

Safe Buildings is a secure mobile application that equips building owners and emergency services to work from the same, trusted information during an emergency In plain terms, it replaces binders, spreadsheets, and fragmented records with a single, live source of building safety data.

For building owners and managers, it streamlines inspections, safety plans, compliance tracking, and incident reporting using real-time updates, time-stamped photos, and NFC technology It reduces administrative burden while improving accountability For police, fire, and EMS, it provides immediate access to critical details like floor plans, access points, emergency contacts, and key infrastructure before or as they arrive on scene

The problem it solves is speed and certainty Instead of searching for information or relying on assumptions, responders have what they need to make informed decisions quickly At the same time, owners gain a cost-effective way to meet their obligations and actively contribute to community safety Everyone operates from the same playbook

The Building Access Program with Peel Regional Police has been called a breakthrough in how building information is shared during emergencies. How did that partnership come together, and what concrete differences are officers and building owners seeing on the ground so far?

Peel Regional Police identified a real operational challenge: officers were routinely delayed by locked lobbies, outdated emergency information, and inaccessible records, particularly in high-rise and complex residential buildings Rather than accepting those delays as inevitable, they looked for a solution aligned with their Community Safety and Wellbeing objectives and their broader commitment to innovation and collaboration

SafeBuildingsbecamethe technologypartnerthat helpedturnthatvisioninto apractical,scalable program.TheBuilding AccessProgramallows buildingownersto securelysharecritical, verifiedbuilding informationwithpolice, fire,andEMS,without compromisingprivacyor control.Deliveredatno costtobuildingownersin theregion,itremoves financialbarrierswhile strengtheningpublicprivatecollaboration.

The benefits are shared across three groups Frontline officers gain faster access and improved situational awareness Building owners benefit from clearer expectations, streamlined coordination, and the confidence that they are actively supporting emergency response Most importantly, occupants benefit from quicker, safer, and more informed emergency interventions in the buildings they live or work in Together, the program strengthens trust, reduces risk, and improves outcomes for the entire community.

You’ve deliberately designed and priced Safe Buildings so that even the most challenged properties can participate. Why was that accessibility so important to you, and how does making this kind of infrastructure available beyond premium buildings change community safety overall?

Emergencies don’t distinguish between premium properties and under-resourced buildings, and neither should the systems designed to support police, fire, and EMS. If this technology only worked for high-end developments, we would still be leaving large portions of our communities exposed to the same preventable risks

From the outset, Safe Buildings was deliberately designed and priced to remove barriers to participation We focused on affordability, ease of use, and scalability so that even the most challenged properties could access the same tools and support as premium buildings. That decision wasn’t just ethical it was practical First responders operate across entire communities, not individual properties, and consistency in building information directly improves response effectiveness

When this kind of infrastructure is widely available, community safety improves at scale Police, fire, and EMS encounter fewer information gaps Building owners gain a clear, cost-effective way to meet their responsibilities. Most importantly, residents benefit from faster, more informed emergency response, regardless of where they live Making safety accessible doesn’t lower the standard it raises it for everyone

We intentionally designed and priced the Safe Buildings technology so that everyone, even the most challenged buildings could participate If we want safer communities, the solution has to be accessible to all

Looking ahead, what do you hope programs like Safe Buildings and the Building Access Program will achieve over the next few years, and what advice would you share with Canadian SMEs and property leaders who want to turn risk into resilience in their own operations?

I believe hope is the foundation of any meaningful vision, but real impact comes from the commitment to make that vision a reality. Looking ahead, my hope is that Safe Buildings and the Building Access Program continue to scale and become a recognized standard of care for buildings across Canada, supported by a combination of policy, insurance incentives, and government legislation Community safety should never be optional At Safe Buildings, our guiding principle is safety through technology We are working alongside forward-thinking Canadian SMEs, property leaders, and public-sector partners to deliver a mobile-first, communityfocused solution that strengthens prevention, emergency response, and accountability As a Canadian technology company, we are proud to contribute to a national environment that values leadership in safety and well-being My advice to Canadian SMEs and property leaders is simple: don’t wait for regulation or crisis to force change Turning risk into resilience starts with treating safety as a core operational function, not a compliance checkbox. The technology to do this is already here it is affordable, mobile, and fast to implement Solutions like Safe Buildings, including recent advancements such as Kera Insights and Kera AI, provide real-time intelligence that helps organizations identify gaps, plan effectively, and operate with confidence in an increasingly digital world Like any meaningful change, it may feel unfamiliar at first, but once it is in place, it becomes hard to imagine operating without it.

Disclaimer:Theviewsandopinionsexpressedinthisintervieware thoseoftheintervieweeanddonotnecessarilyreflecttheofficial policyorpositionofCanadianSMESmallBusinessMagazine Our platformisdedicatedtofosteringdialogueandsharinginsights thatinspireandempowersmallandmedium-sizedbusinesses acrossCanada

WhyActionableAdviceMatters forEntrepreneursinCanada

ByKripaAnand

Despite increasingly complex conditions, Canadian entrepreneurs remain committed to creating and sustaining their enterprises According to the Business Development Bank of Canada's BDC State of Entrepreneurship 2025 report, 92 percent of entrepreneurs would pursue this road again At the same time, the majority say that rising expenses, slower growth, and ongoing labour shortages are causing companies to reconsider how they do business

More than half of entrepreneurs plan to grow in the coming year, while many others prioritize profitability, productivity, and transformation over expansion alone Canada's labour market remains tight in key skill areas, with more than half of small and mediumsized businesses reporting difficulty hiring qualified employees Together, these pressures indicate a shift Inspiration remains essential, but by 2026, business owners will need realistic, evidence-based guidance they can act on quickly and confidently

As firms face tighter margins and more complex decisions, access to reputable advice has become a critical success factor According to BDC research, about 350,000 Canadian entrepreneurs continue to struggle to secure the funding and support they require to develop and adapt

An Ask the Advisor strategy provides expert advice right where choices are made Entrepreneurs receive insight into real-world pressure points by interviewing accountants, lawyers, export experts, and HR specialists These include managing cash flow while interest rates and input costs remain high; structuring shareholder agreements and intellectual property as partnerships and succession plans become more common; and understanding how to use tools such as BDC loans, the Pivot to Grow program, and ed lenders to fund technology s, and acquisitions.

anizing advice around ecific themes such as ncing, trade, or talent ables readers to build se over time. Weaving t comments with brief SME examples ensures counsel is grounded in d business conditions theoretical concepts.

OnePagePlaybooksforConfidentDecisions

Complex themes can delay action Short, planned playbooks can help break down that barrier BDC and federal SME advice continuously emphasize that adopting new technology and modern business models is now a requirement for competitiveness, not an option

A one-page playbook simplifies complexity into four to six easy actions For example, implementing a subscription model may include defining the offer and pricing, measuring churn, and addressing tax and recurring billing issues, all supported by Canadian product and service examples Choosing a first AI tool can focus on low-risk use cases such as forecasting, customer chat, or marketing automation, while emphasizing privacy, data governance, and cost control through SME-oriented adoption assistance Scaling to the United States allows you to describe pricing, contracts, logistics, and compliance based on Canadian export programs and tariff relief measures. When combined with downloaded checklists or worksheets, these playbooks make print materials a gateway to more advanced, hands-on resources

FinancingGrowthWithP

Access to capital is uneven thr landscape According to BDC's bank extended $11 5 billion in ne investments last year, supportin potential, and underrepresente this, many business owners con credit cards or informal loans, limits long-term flexibility

Clear, practical counsel helps e proper funding at the right time frameworks can help to elimina comparing term loans, lines of finance, and growth or transitio crucial to receive guidance on ready Lenders regularly seek p estimates, realistic assumption required), and a straightforwar company plan

BDC launched a $500 million Pivot to Grow package to assist SMEs that have experienced contract cancellations, increased expenses, or customer losses due to US tariff uncertainty Finance is combined with consultancy services to help businesses rapidly pivot their strategies finding new buyers, altering supply lines, or diversifying markets A Canadian firm exporting lumber or machinery to the United States that faces higher tariffs could use the Pivot to Grow loan to cover additional expenses and rework its supply chain rather than shutting down operations A technology firm that relies on US clients may use the financing to increase working capital while shifting its focus to underdeveloped Canadian or global markets, with support from BDC's advisory services A Canadian firm exporting lumber or machinery to the United States that faces higher tariffs could use the Pivot to Grow loan to cover additional expenses and rework its supply chain rather than shutting down operations

PracticalApplicationsofthePivottoGrowLoan

While not naming specific enterprises, program descriptions and instructions demonstrate how genuine SMEs commonly use the funding:

Managing increased operating expenses resulting from duty adjustments while maintaining cash flow by adjusting pricing or logistics.

Revising supply chain models to lessen reliance on tariffed commodities or markets.

Implementing resilience and business continuity plans to increase operational flexibility and competitiveness

HiringinaTightLabourMarket

Even while unemployment rates fluctuate, skills shortages remain one of the most significant barriers to SME growth. According to BDC and Statistics Canada data, more than 54% of Canadian SMEs report trouble finding qualified applicants Many people find it difficult to compete with larger employers solely on wages As a result, organizations are reconsidering how to recruit and retain talent Flexible work arrangements, clear career paths, meaningful roles, and a great workplace culture are becoming increasingly essential differentiators Building talent pipelines through collaborations with institutions, immigrant service organizations, and kids programs enables businesses to access underutilized labour pools Clear, skill-focused job postings can increase application quality while expanding reach

LearningFromSetbacks

BDC's entrepreneurial research focuses on experimentation and transformation Many successful businesses have adapted to unpleasant lessons rather than maintaining the status quo Sharing these experiences helps to normalize mistakes and focus attention on what happened next.

Building an Advice-Driven Framework for 2026

As2026approaches,actionable counselmaybecomeadistinguishing characteristicofSMEcoverage. Contentisframedaroundthree primarypriorities:money,people,and technology,whichreflecttherealities thatorganizationsface.Combining professionalcounsel,structured playbooks,andreal-worldlessonsina consistentstylepromotestrustand continuity.

Yourroleinstayinguptodateisintegraltoourshared missionoffosteringacommunityofinnovators. CanadianSMEMagazineisavaluabletreasuretroveof entrepreneurialknowledge.Clickheretosubscribeto ourmonthlyeditionsforupdatesonCanadian businesses.Followourhandle,@canadian sme,onX tostayupdatedonallbusinesstrendsand developments.Yoursupportiscrucialtoourmission.

Disclaimer:Thisarticleisbasedonpubliclyavailable informationintendedonlyforinformationalpurposes CanadianSMESmallBusinessMagazinedoesnot endorseorguaranteeanyproductsorservices mentioned Readersareadvisedtoconducttheir researchandduediligencebeforemakingbusiness decisions

Social Commerce Funnels: FromContent toCart

ByMaheenBari

This rise is driven by features that shorten the customer journey. Shoppable posts, in-app checkout, and live shopping capabilities enable users to go from discovery to purchase without leaving their stream For SMEs, the opportunity is obvious, but success is dependent on structure Businesses that succeed well do not chase one-off viral moments They're creating repeatable social commerce funnels that integrate content, engagement, and conversion

A typical funnel begins with a little teaser Reel or TikTok, intended to halt the scroll This is followed by more in-depth interaction, frequently through product demos or live sessions, a clear, time-bound offer, and a post-purchase follow-up to drive repeat purchases or referrals Each stage has a purpose, and each piece of information helps the client progress

Social commerce has progressed from experimentation to implementation for Canadian small and medium-sized businesses What was previously a branding channel is now a measurable revenue generator. According to industry forecasts, social commerce in Canada will be worth approximately US$8 47 billion in 2025, expanding at more than 11 percent per year through 2030, with Instagram, Facebook, and TikTok accounting for the majority of that activity

Visualizing this process has become common practice among successful Canadian firms. By identifying hooks, micro calls to action, DMs, and checkout points, SMEs can see where interest grows and friction arises, enabling them to improve performance without increasing ad spend.

Live shopping is quickly becoming one of the most successful social commerce models According to global and Canadian platform data, live shopping streams often achieve conversion rates several times higher than static posts, driven by urgency, interaction, and trust TikTok and Instagram now offer live video with pinned products, real-time chat, and one-click purchasing For SMEs, live shopping transforms product demos, Q&A sessions, and behind-the-scenes access into structured sales opportunities

Live sessions are most effective when they are planned rather than improvised Businesses that achieve consistent success follow five fundamental processes Plan the offer, identify key discussion points, promote the event in advance, host with a precise flow, and follow up with reminders or limited-time replays

AcrossCanada,independentcosmetics brands,nichefoodmanufacturers,and garmentcompaniesareusingmonthly liveshoppingsessionstodebutnew SKUs,clearseasonalinventory,and assessdemandbeforerampingup production.Manypeopleclaima supplementaryadvantage.Live shoppingnotonlyincreasesonline sales.Itboostsbrandfamiliarity, leadingtonext-dayretailvisitsand repeatinteractions.

ShoppablePosts,Reels, andShortVideos

Most social commerce funnels continue to rely heavily on short-form videos Shopify and Meta data regularly reveal that movies under 30 seconds have the highest engagement and click-through rates in shoppable experiences Instagram Shops and product tagging turn any image or video into a retailer, but TikTok's product links connect viral content to specific SKUs. A three-post sequence is a common feature of highperformance structures The first addresses an issue or need The second example shows the product as a solution The third element builds trust through social proof, reviews, or a sense of urgency Each post is tagged with products and accompanied by simple suggestions such as " save this," "DM us, " or "shop now "

Efficiency counts Many Canadian SMEs repurpose a single core video across platforms, modifying the format and captions for Reels, TikTok, and YouTube Shorts while maintaining constant product linkages This method maximizes reach without increasing production costs

Creator relationships continue to play an increasing influence on funnel performance Canadian social commerce studies show that micro-creators with 10,000 to 100,000 followers often outperform larger influencers in conversion rates and reputation As a result, many SMEs employ creators to increase top-of-funnel awareness while maintaining control over conversions through live shopping, remarketing, and email collection

Alignment is fundamental to successful partnerships Values fit, audience overlap, engagement rate, and local relevance are more important than follower count Platforms now make it easier to tag partners and share audiences, thereby increasing reach while keeping transparency In Canada, examples include creator-led pop-ups and small-business activations in high-traffic areas such as transit hubs and markets, where digital content drives both online orders and inperson foot traffic

For Canadian SMEs, the message is straightforward Social commerce channels perform best when combined with operational readiness Strong content generates demand Strong systems support growth The most successful businesses adopt an incremental strategy Each month, they test one new funnel tactic and implement one cross-border improvement Over time, these small, deliberate measures transform social interactions into predictable revenue, enabling Canadian firms to compete abroad

As social commerce funnels mature, many Canadian SMEs discover demand that extends beyond national lines Payment and ecommerce research suggests that businesses selling through social platforms often make 20 to 40 percent of their sales from buyers in the United States or the European Union if friction is removed Payments are the first step towards becoming cross-border ready Customers in the United States demand Visa, Mastercard, Apple Pay, PayPal, and buy-now-pay-later alternatives

Customers in the EU rely primarily on local payment methods and SEPA-linked systems Modern payment partners and APIs now handle currency conversion, fraud checks, and local rails in the background, allowing SMEs to quote in local currencies while presenting transparent landing costs

governmentandtradesitesexplainwhenenterprises mustregisterforUSsalestaxorEUVAT,howtoclassify productsusingHScodes,andhowtoreportleviesup front.CanExportSMEsandotherprogramshelpfirms scaleinternationallywithconfidencebyprovidingmarket research,legalguidance,andlocalizationservices.

Disclaimer:Thisarticleisbasedon publiclyavailableinformationintended onlyforinformationalpurposes CanadianSMESmallBusinessMagazine doesnotendorseorguaranteeany productsorservicesmentioned Readers areadvisedtoconducttheirresearchand duediligencebeforemakingbusiness decisions Yourroleinstayinguptodateis integraltooursharedmissionof fosteringacommunityofinnovators CanadianSMEMagazineisavaluable treasuretroveofentrepreneurial knowledge Clickheretosubscribeto ourmonthlyeditionsforupdateson Canadianbusinesses Followour handle,@canadian sme,onXto stayupdatedonallbusinesstrends anddevelopments Yoursupportis crucialtoourmission

WhatCanadianSMEs

NeedtoKnowIntheEcommerceLandscape

BySkUddin

E-commerce in Canada continues to grow, even as consumer expectations rise at a similar rate Industry forecasts project Canadian e-commerce revenues to reach approximately CAD 66–71 billion in 2025, with mobile and social commerce accounting for more than half of total online sales value Mobile alone accounts for almost 40% of online purchases, driven by customers who anticipate fast loading pages, one-handed browsing, saved payment information, and biometric checkout

Canadian shoppers are likewise becoming more comfortable making cross-border purchases. Crossborder transactions now account for a significant share of e-commerce income, as customers buy from U S and international merchants that offer speed, convenience, and clear pricing This trend raises the standard for Canadian SMEs, which are now expected to provide enterprise-level digital experiences regardless of size

By 2026, mobile-first design will no longer provide a competitive advantage It is the basic expectation Shoppers abandon baskets rapidly if pages load slowly, forms are too long, or preferred payment methods are unavailable.

According to Checkout com, credit cards continue to account for approximately 47% of Canadian online purchases, but digital wallets such as Apple Pay, Google Pay, and Interac-enabled mobile debit are the fastest-growing payment options These solutions eliminate friction by removing human data entering and speeding up the checkout process Thunes projects Canada's mobile payments market will be worth USD 2 39 billion in 2025, with growth accelerating significantly through 2030

The lesson is useful for small and medium-sized enterprises Guest checkout, mobile-optimized product pages, transparent pricing, and a diverse wallet mix all reduce cart abandonment Even adding one more payment method has been demonstrated in several merchant studies to boost conversion rates, particularly among younger and mobile-first customers

AccordingtoCanadianconsumerandpayment reports,buyerswantcustomizationwithout compromisingtheirprivacy.First-partydata, preferencecentres,andtransparentopt-insare morecrucialthanever.AItechnologiesthat adheretotheseparameterscanboostaverage ordervalue,improveretention,andreduce manualeffortwithoutbeingobtrusive.

Logistics,Delivery,andReturns asDifferentiators

As price sensitivity grows, Canadian consumers are increasingly making purchases based on delivery quickness, dependability, and return convenience According to Shopifys consumer trend data, buyers are willing to spend more for predictable shipping times and simple returns, especially for fashion and electronics

Logistics technology is now more accessible to small and medium-sized enterprises API-driven shipping tools, real-time tracking, automated duty calculation, and fulfillment partnerships enable smaller merchants to provide professional-level services without incurring enterprise costs Clear information about delivery deadlines, shipping timetables, and return policies has been demonstrated to improve repeat purchases while decreasing customer service friction

Personalization,AI,and AutomatedCampaigns SocialCommerceFromScrollstoSales

Most major e-commerce platforms now include artificial intelligence, allowing SMEs to leverage powerful personalization capabilities Retailers are leveraging AI for product recommendations, predictive search, automated email and SMS campaigns, and customer segmentation based on lifetime value rather than last-click behaviour.

Social commerce is one of the fastest-growing digital platforms in Canada According to market intelligence assessments, the Canadian social commerce market will be worth around $8 47 billion by 2025, growing at more than 11 percent per year and continuing to rise through 2030 Instagram, Facebook, and TikTok now integrate the entire purchasing journey into feeds, from discovery and reviews to one-click purchase

For Canadian SMEs, social commerce serves a dual purpose It generates immediate in-app revenues while also redirecting high-intent traffic to owned websites and physical businesses Retailers who succeed on social media rely less on hard selling and more on short-form video, authentic storytelling, and clear calls to action that link content to product availability

TurningTrendsIntoAction

Cross-BorderE-Commerceand Real-TimePayments

Cross-border e-commerce continues to grow as Canadians purchase from international companies, and global customers expect Canadian businesses to ship to them Reports on real-time and cross-border payments emphasize the growing importance of FX tools, virtual accounts, and transparent landed-cost pricing

The Canadian e-commerce landscape in 2026 prioritizes clarity over complexity SMEs that prioritize mobile-first UX, flexible payments, dependable logistics, respectful customization, and social-driven discovery are better positioned to compete The takeaway is straightforward Customers do not make direct comparisons between small firms They compare every encounter to the greatest they've experienced online

ForSMEsexperimentingwithinternationalexpansion, harmonizingshippingoptions,tariffsandtaxcalculations, andlocalpaymentmethodsisnowstandardpractice.Many smallCanadianmerchantsnowgenerate20to40percent oftheirbusinessfromoutsideCanadabyfocusingonone market,oneplatform,andexplicitpricingfromthestart.

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HowSocialCommerce IsChangingCanadian Retail

ByKripaAnand

Social commerce is no longer a new trend in Canada It is becoming a key growth channel for merchants, particularly those with physical shops According to industry projections, social commerce in Canada is expanding nearly three times faster than traditional e-commerce, with a projected value of $8 5 billion in 2025, accounting for up to 15% of total online retail revenue This expansion is being fueled by shifting consumer habits, mobile-first discovery, and the seamless integration of purchasing tools into social networks.

According to Arcus and CanadianSME coverage, more than 55% of Canadian shops now sell online, with Facebook accounting for around 95%, followed by Instagram and TikTok Importantly, social platforms do more than only drive online sales Approximately 40% of Canadian consumers have made at least one purchase directly through a social site, with 68% of those shoppers under 35 This same demographic is also more likely to discover brands on social media and subsequently visit physical stores, creating a powerful screen-to-store loop

Instagram and TikTok have progressed well beyond brand awareness platforms Their shoppable posts, short-form videos, live streaming, and inapp messaging tools are increasingly used to direct customers to local businesses According to Canadian retail trend data, short-form video is the most powerful driver of engagement, with 15- to 30second videos achieving the highest discovery and clickthrough rates

Shopify's social commerce integrations now allow retailers to connect their product catalogues directly to Instagram and Facebook, tag items in posts and Reels, and track whether content drives online purchases or in-store visits using location links and analytics For many independent retailers, this has altered how marketing and operations collaborate A single Reel promoting a new arrival may result in direct messages requesting reservations, same-day pickup, or instore availability

Across Canada, shops report that clients walk in and say, "I saw this on Instagram" or "This popped up on TikTok " Social platforms are becoming the modern equivalent of a shop window, reaching thousands of local customers before they even step into the business

InstagramasaLocalDiscoveryTool

Instagram remains one of the most effective tools for driving nearby customers to real stores Instagram Shops, product tags, location stickers, and Stories significantly shorten the journey from discovery to purchase, particularly on mobile devices, where most browsing occurs

Canadian retailers are combining shoppable posts with simple but powerful calls to action such as "Visit us today," "Available in store now, " or "In-store exclusive." Location tags, local hashtag sets, and Google Maps links in bios can help turn social impressions into map searches and walk-ins Many independent boutiques and specialty retailers in Canada use Instagram to promote in-store-only items, events, or limited supplies, creating urgency without resorting to aggressive marketing

This visual storytelling strategy is especially effective for fashion, specialized food, beauty, and home goods stores, because seeing the product in context inspires confidence and curiosity

TikTok is the most popular social commerce platform among Gen Z and younger millennials in Canada, driving impulse purchases and destination spending A 2025 social commerce intelligence analysis highlighted TikTok's rapid expansion of in-app retail services and its extensive integration with platforms such as Shopify These solutions enable merchants to create shoppable video advertisements, sync inventory in real time, and promote local events or limited-time specials

Canadian examples include TikTok SmallBiz pop-ups and creator-led campaigns that have transformed small restaurants, fashion stores, and niche enterprises into viral hotspots Short, realistic videos that depict behind-thescenes situations, staff personalities, or product reactions often outperform professional advertisements, especially when combined with clear geographic indications TikTok's strength for small companies is its ability to convert niche appeal into local buzz directly bringing customers from screens to the front door

TurningFollowersIntoIn-StoreCustomers

Successful Canadian merchants are increasingly using Instagram and TikTok as discovery, connection, and conversion tools, rather than merely advertising platforms Always-on content should be paired with particular in-store calls to action, such as "Show this Reel for 10% off," "DM to reserve and pick up today," or "TikTok-only early access this afternoon "

Many retailers now ask customers, "How did you learn about us?" at checkout or add simple POS fields to assess social discovery Others focus on leading signs, such as saves, comments, and direct messages, which frequently forecast store visits more accurately than clicks alone A simple fivepost funnel is a popular, high-performance structure: a teaser post, behind-the-scenes content, a staff or creator try-on, a consumer reaction, and a final reminder to boost urgency This style combines storytelling and action without overpowering the listener

While Canadian consumers value convenience, they are wary of data use and pushy sales tactics Research consistently shows that authentic content and user-generated posts outperform hard-sell approaches Retailers who mix paid ads with organic content, creator partnerships, and community storytelling tend to earn more trust

Clear disclosures, honest pricing, and courteous retargeting practices are critical in social commerce Retailers who display genuine employees, real customers, and real processes rather than manufactured urgency are more likely to convert online interaction into physical visits In an era where trust drives loyalty, authenticity is more than just a brand attribute It's a competitive advantage

inEveryRetailPlaybook

For Canadian retailers entering 2026, social commerce is no longer an option It is one of the most effective strategies for linking online discovery to in-store shopping experiences When used effectively, Instagram and TikTok can help small and medium-sized retailers compete for exposure, narrative, and local relevance without incurring enterprise-level costs.

Themostsuccessfulretailersdonot chaseeverytrend.Theyusesocial mediatocreatecompellingstories, fostergenuinerelationships,andgive peopleareasontovisitinperson.Ina busyretailworld,thathuman connectioniswhatconvertsfollowers intorepeatin-storebuyers.

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Omnichannel,Dataand TechnologyTransform theShopperExperience

ByMaheenBari

Canadian shoppers are increasingly expecting seamless experiences across online, mobile, and in-store channels

According to recent data, the vast majority of Canadian consumers interact with numerous retail touchpoints before making a purchase, whether they browse on their smartphones, check inventory online, visit a physical store, or use click-andcollect alternatives This trend highlights the transition from traditional single-channel retail to omnichannel commerce as the new standard for both consumers and businesses in 2025 and beyond

According to industry research, nearly 73% of Canadian shoppers use multiple channels before making a purchase, underscoring the critical importance of omnichannel strategies for merchants seeking to remain competitive Canadian retailers like Canadian Tire and Lululemon are embracing unified experiences that combine digital tools like virtual try-ons and AI-powered support with physical touchpoints, while mobile commerce continues to expand as an essential part of the shopping experience

According to retail consultancy firm KPMG, while many Canadians still prefer in-store shopping roughly two-thirds prefer physical locations consumers expect digital integration to be accompanied by exceptional service and convenience This includes features like quick returns, real-time inventory information, and integrated loyalty programs that reward participation across channels

GrowthOfPhygitalRetail

The integration of real and digital encounters is also on the rise Retailers are experimenting with technologies like augmented reality (AR) for product visualization, mobile-based store navigation and checkout, and interactive digital displays to increase in-store engagement These advances enable merchants to create immersive environments that increase loyalty and reduce the path to purchase

Data‐DrivenMerchandising forIndependents

Independent businesses and small chains are increasingly relying on data and analytics to make merchandising decisions Advanced AI and analytics technologies provide businesses with insights into consumer behaviour, inventory turnover, local demand patterns, and promotional impact This allows companies to forecast demand, reduce out-of-stocks, and fine-tune assortments in real time, resulting in improved performance and customer satisfaction.

While individual Canadian BI adoption rates vary by sector, a broader industry analysis suggests that merchants who use data insights are better positioned to meet rising demand and improve operational performance

For example, a specialty garment merchant may notice that one location regularly sells more mid-priced products, while another does better with premium SKUs, leading to more accurate inventory allocation

Technologies such as generative AI and automation help optimize daily retail processes, including demand forecasting and dynamic pricing, as well as customer support chatbots and tailored suggestions Early adopters in Canada are using these solutions to reduce labour demand, improve accuracy, and enhance the shopping experience in both online and physical channels

Small and medium-sized shops are increasingly using suggested ordering tools integrated with cloud POS systems, which provide automated replenishment recommendations that store managers can review and adjust In marketing, generative AI is used to test and refine email subject lines, product descriptions, and promotional messaging, resulting in higher open rates and engagement without increasing workload

Customer assistance is another area that is rapidly expanding AI chatbots address common questions about store hours, order tracking, refunds, and product availability, freeing humans to focus on in-store service Canadian fashion and specialized stores have reported faster response times and more consistent customer communication, especially during peak seasons.

CustomerExperience,Security,andTrust

Trust and the client experience remain crucial. While digital conveniences gain popularity, many Canadian consumers remain concerned about data privacy and the use of their information Retailers who combine strong security standards with open communication foster greater trust and loyalty two factors shown to drive repeat visits and long-term engagement

WhatOmnichannelReallyMeans foraFive-StoreRetailer

For a five-store retailer, omnichannel does not imply introducing new technology It is about integrating current systems so that clients perceive a single, integrated brand rather than five separate places or channels

A typical omnichannel customer journey may begin on Instagram, when a shopper discovers a new product via a post or ad They navigate to the retailer's website, check availability at the local location, and select in-store pickup For retailers with five stores, perfection is not the goal It is consistency When website, POS, inventory, and loyalty systems work together, customers may seamlessly transition between digital and physical touchpoints The result is fewer friction points, better data, stronger relationships, and a modern retail experience that retains a personal touch ARIsMakingImmersive RetailAccessible

Independent Canadian merchants can now access affordable, plug-and-play AR solutions, particularly in the fashion, beauty, and home furnishings industries These tools enable customers to envision products before purchase, reducing uncertainty and return rates

In the fashion and beauty industries, AR try-on capabilities embedded in ecommerce platforms allow customers to view how clothing fits or how cosmetics look on different skin tones using their smartphone cameras AR solutions for furniture and home products enable clients to place virtual things in their living areas to test size, colour, and style compatibility

Businesses that adopt omnichannel strategies, invest in intelligent data use, and implement customer-centric solutions will thrive in today's evolving retail landscape By meeting customers where they are, whether online, in-store, or anywhere in between, Canadian retailers can build robust, future-ready operations that provide convenience, personalization, and value for years to come

Yourroleinstayinguptodateisintegraltooursharedmissionoffosteringa communityofinnovators CanadianSMEMagazineisavaluabletreasuretroveof entrepreneurialknowledge Clickheretosubscribetoourmonthlyeditionsfor updatesonCanadianbusinesses Followourhandle,@canadian sme,onXto stayupdatedonallbusinesstrendsanddevelopments Yoursupportiscrucialto ourmission

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HowCanadianSMEs StayExportReadyinUncertainTimes

BySkUddin

Canadian small and mediumbusinesses (SMEs) are increa crucial to the country's export performance, demonstrating r and adaptability in a rapidly c global trade environment Acc Canada's State of Trade 2025 driving export development no through traditional products b providing services and integra solutions, including consulting installation, and maintenance two-thirds of SME exporters no services alone or in combinat goods, indicating a structural towards more sophisticated " s exports "

Micro-SMEs often with fewer than 10 employees are exceptionally nimble, with more than half exporting services exclusively, particularly in digital consulting, creative industries, and technology-enabled areas This echoes broader economic developments in which digital distribution and innovation enable scalable export avenues for small businesses Furthermore, immigrant-led SMEs which account for a sizable share of Canada's entrepreneurial landscape have played a critical role in export growth, contributing disproportionately to the expansion of overseas markets and diversification outside conventional US commerce

Government assistance mechanisms remain essential to SME export success The Trade Commissioner Service (TCS) assists Canadian enterprises in identifying and entering new markets and in overcoming informational and regulatory barriers that often impede smaller exporters According to analysis, TCS-assisted SMEs export approximately 20% more value and reach more global markets than peers without such assistance

Complementaryfundingprograms,suchasCanExport SMEs,provideeligibleCanadianbusinesseswithfinancial aid—upto$50,000perapprovedproject—todefray internationalbusinessdevelopmentexpenditures, includingmarketresearch,tradeexhibitions,andlocal marketing.

GrowthinRegionalSectors

Regionally, Canadian SME export activity is expanding in Europe and Asia, aided by trade agreements and rising demand for clean technology, agri-food goods, and digital services These developments indicate a greater shift toward global markets beyond conventional North American destinations

TradeTurmoilTacticsforSMEs

Even as prospects abroad improve, Canadian SMEs continue to face trade instability Firms have responded to changing tariff regimes, including those affecting steel, aluminum, and other imports, by optimizing compliance with the requirements of the Canada-United States-Mexico Agreement (CUSMA) to reduce duty exposure To manage cost pressures and supply chain risks, several SMEs have diversified their supplier base and pursued non-US export markets

The Organization for Economic Cooperation and Development (OECD) has often stated that small and medium-sized businesses face unique challenges in global commerce, including complex regulations, limited access to information, and skill gaps To address this, the OECD advises governments to develop SME-friendly trade policies that simplify compliance, increase transparency, and decrease administrative overhead, notably for customs procedures, standards, and documentation

Beyond policy design, the OECD identifies skill development as a vital determinant for SME competitiveness in reshaped global value chains As trade becomes more digital and service-oriented, SMEs must improve their capabilities in quality standards and certification, logistics and supply chain management, and digital tools, including e-commerce platforms, data systems, and online delivery models

Smallerbusinesses,whichoftenlack thepricingpoweroflarger competitors,haveusedperiodsof tariffvolatilitytorenegotiate contracts,optimizesupplystrategies, andacceleratetheadoptionofdigital solutionsforcustomscompliance andpaperwork.Interprovincial commercehasalsoemergedasa resiliencestrategy,asregulatory obstaclesinCanadacontinueto ease,creatinglocalmarket expansionopportunitiesthat complementinternationalgrowth.

Along with export and trade obstacles, Canadian entrepreneurs face severe mental health constraints, which have an impact on business success

According to surveys, more than half of entrepreneurs experienced emotional or mental exhaustion in the previous year, despite their efforts to adjust to changing market conditions and trade dynamics Stressors such as cash-flow management, political uncertainty, and global events have all increased dramatically, with more than one-third of owners reporting mental health issues interfering with work regularly

Approximately35%ofentrepreneurs soughtprofessionalhelpformental healthissuesinthepreviousyear,with nearlyhalfreportinglessanxietyand improvedstressmanagementasa result.Morethanhalfofthoseseeking assistancedidsoafteracknowledging theirowndifficulties.BDCandother organizationsarerespondingwith specializedmentalhealthtoolsfor companyowners,including collaborationstogivefreeorsubsidized virtualtherapysessionsandacurated listofsupportprogramsavailable throughoutCanada.Thesematerialsare intendedtohelpfoundersbuild resilience,maintainproductivity,and achievelong-termsuccess.

IntegratingExportStrategywith FounderWell-Being

For Canadian SMEs pursuing worldwide expansion in 2026 and beyond, success will depend not just on market diversity and strategic adaptation to trade volatility, but also on the well-being of the entrepreneurs who lead these businesses Export preparation requires organized planning, effective use of support mechanisms such as the Trade Commissioner Service and CanExport funds, and the development of internal capacities to manage both operational and personal obstacles

Simultaneously, incorporating mental health support into business practices through peer networks, professional services, and organizational routines can strengthen the resilience needed to face uncertainty with confidence

Yourroleinstayinguptodateisintegraltoourshared missionoffosteringacommunityofinnovators CanadianSMEMagazineisavaluabletreasuretroveof entrepreneurialknowledge Clickheretosubscribetoour monthlyeditionsforupdatesonCanadianbusinesses Followourhandle,@canadian sme,onXtostayupdated onallbusinesstrendsanddevelopments Yoursupportis crucialtoourmission

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CloudAdoptionTrends AmongCanadianSmallBusinesses

BySkUddin

Cloud technology is a key driver of growth for Canadian SMEs, providing scalable infrastructure, remote work, and real-time collaboration without significant upfront IT investments By 2025, approximately 85% of Canadian enterprises will be cloud-first, and 90% of SMEs will use cloud services for accounting, CRM, payroll, inventory, and marketing automation

Canadian SMEs rely on cloud solutions for all of their essential tasks Finance solutions facilitate invoicing, payroll, and cash flow visibility, whilst HR tools simplify hiring and personnel management Marketing teams rely on cloud software for analytics, email campaigns, and client engagement. Inventory tracking, project management, and collaboration are enabled by operations technologies, underscoring the growing importance of cloud adoption to everyday corporate productivity

QuickBooksOnlineandXeroarethemost popularcloud-basedaccountingplatforms amongCanadianSMEs,enablingreal-time invoicing,payroll,andcashflowtracking. BambooHRandADPWorkforceNoware populartoolsforHRactivitieslikehiring, onboarding,andemployeerecords.For marketing,SMEsuseHubSpot,Mailchimp, andHootsuitetohandlecustomerdata, campaigns,andsocialmediapresence. Microsoft365,GoogleWorkspace,Asana, andShopifyareoperationalsolutionsthat supportcollaboration,inventory management,andorderprocessing.

ImageCourtesy:Canva

HowCloudComputingDrives SustainableGrowth

Cloud solutions enable SMEs to scale up and down on demand, pay only for what they need, and avoid expensive on-premise hardware This allows more efficient operations, faster experimentation, and simpler growth into other locations or product lines The cloud supports eco-friendly practices by consolidating servers in efficient data centers and enabling AIpowered energy management, reducing power consumption and emissions

GreenintheCloud

As Canadian SMEs integrate environmental, social, and governance (ESG) goals into their strategies, selecting cloud providers powered by renewable energy is increasingly essential for reducing their operational carbon footprints Google Cloud, Microsoft Azure, and AWS now offer carbon-neutral services or pledge to use 100 percent renewable energy in their data centers, helping businesses align their digital infrastructure with environmental goals

ChecklisttoEvaluateGreen CloudCredentials

Renewable Energy Usage - Confirm that the supplier derives a significant share of its energy from verified renewable sources.

Carbon Neutral or Net-Zero Targets - Look for specific, time-bound commitments to carbon neutrality or net-zero operations.

Third-Party Certifications - Prioritize certifications like ISO 14001 or participation in science-based objectives.

Sustainability reporting: Ensure that environmental impact data is transparent and publicly available.

This method enables SMEs to meet stakeholder expectations while building long-term resilience

Canada leads the G7 in producing an SME AI Adoption Blueprint that prioritizes flexible, sector-specific paths over a one-size-fits-all approach The blueprint suggests cloud-based, trusted AI marketplaces, AI-ready funding, and advisory support to help SMEs securely experiment with automation, analytics, and generative AI

CanadianSMEsaredemonstratingthatsubstantialAI adoptiondoesnotrequiresignificantresources.Many companiesaretestingAIchatbotsonplatformssuch asMicrosoftCopilot,HubSpotAI,andTidiotomanage customerinquiriesandqualifyleads.Mailchimpand HubSpotuseAIforcampaignoptimizationand demandgrading,whileQuickBooksandNetSuite's forecastingfeatureshelppredictcashflowand inventorydemands.

These projects follow government AI blueprint guidelines by emphasizing safe cloud infrastructure, transparent data governance, and integration with current systems The result is rapid experimentation, low risk, and instant operational benefit that executives can scale with confidence.

CanadianSME's own features demonstrate how SMEs are using the cloud to streamline operations, enable remote work, and access insights that they could not previously afford Retailers are combining cloud-based POS with e-commerce, accountants are shifting customers to cloudledgers, and manufacturers are employing IoT platforms to monitor equipment health in real time

CloudSecurity&Governance forGrowingSMEs

Increased usage of cloud and AI raises cybersecurity and data governance concerns to the board level The SME AI Adoption Blueprint emphasizes the importance of safe cloud environments, accredited technologies, and strong privacy procedures that comply with Canadian standards Meanwhile, initiatives such as CyberSecure Canada offer defined security controls and a certification path that demonstrates trustworthiness to clients and partners.

For Canadian SMEs, cloud security is no longer optional It is operational insurance Practical precautions such as multi-factor authentication, rolebased access control, encryption at rest and in transit, automated backups, and a clear incident response strategy are now the standard SMEs that use cloud solutions such as Microsoft 365 or Google Workspace, with built-in monitoring and zero-trust controls, have been able to contain phishing attacks and ransomware attempts by isolating accounts and restoring clean backups within hours

Businesses that use local servers or unmanaged systems, on the other hand, frequently experience days-long outages, data loss, and reputational harm The difference is not in scale Preparation is incorporated into the system from the beginning

It is evident how cloud adoption is transforming Canadian businesses at all levels. Accountants, legal firms, and consultants are modernizing workflows by implementing real-time collaboration, automated reporting, and secure client portals On the manufacturing floor, small manufacturers are employing cloud-connected sensors and dashboards to reduce downtime and anticipate maintenance needs before they arise

For cloud-native startups, starting with serverless architectures and microservices has led to faster scaling, lower overhead, and greater resilience Across industries, the cloud is no longer a supporting function It is the primary driver of competitiveness, adaptation, and long-term growth

Disclaimer:Thisarticleisbasedonpubliclyavailableinformation intendedonlyforinformationalpurposes CanadianSMESmall BusinessMagazinedoesnotendorseorguaranteeanyproductsor servicesmentioned Readersareadvisedtoconducttheirresearch andduediligencebeforemakingbusinessdecisions Yourroleinstayinguptodateisintegraltoourshared missionoffosteringacommunityofinnovators CanadianSMEMagazineisavaluabletreasuretroveof entrepreneurialknowledge Clickheretosubscribetoour monthlyeditionsforupdatesonCanadianbusinesses Followourhandle,@canadian sme,onXtostayupdated onallbusinesstrendsanddevelopments Yoursupportis crucialtoourmission

WhyManyGrowing BusinessesStruggle WithTechnology, AndHowtoFixIt

Movingfromreactivetechdecisionstoaclear, business-ledroadmapforsustainablegrowth

For many small and mid-sized businesses, technology is supposed to be an advantage In reality, it often becomes a source of friction Systems don’t talk to each other, teams rely on manual workarounds, and leadership feels constant pressure to modernize, adopt AI, or “digitally transform” without a clear understanding of where to start What was once meant to support growth slowly becomes something that absorbs time, attention, and budget

At some point, leaders are forced to ask a hard question: is tech running your business, or running you into the ground?

The issue is rarely a lack of tools It’s a lack of strategy

Asorganizationsgrow, technologydecisionstendto happenreactively.Anew systemisintroducedtosolve animmediateproblem. Anothertoolislayeredonto compensateforagap somewhereelse.Overtime, thetechnologystack becomesfragmented, expensivetomaintain,and increasinglydifficulttoscale. Reportingbecomes inconsistent,operational visibilitydeclines,andteams spendmoretimemanaging systemsthanusingthem effectivelytodriveresults.

This fragmentation creates a widening disconnect between business goals and the technology meant to support them Leadership knows something isn’t working, but large-scale replacements feel risky, costly, and disruptive The result is often a cycle of incremental fixes, short-term decisions, and growing technical debt that quietly limits the organization’s ability to move faster or adapt to change

That’s why I started Reyem Tech After seeing the same patterns repeat across different businesses, technology decisions being made reactively, stacks growing more complex instead of more effective, and teams working around their tools rather than with them, it became clear that most companies didn’t need more software They needed clarity

Reyem Tech works with growing businesses to bring structure and intention to technology decisions, without overengineering or unnecessary disruption Instead of starting with software selection or vendor comparisons, the focus is on understanding how the business actually operates, where friction exists across teams, and which changes will create measurable, near-term impact.

One of the most common misconceptions about digital transformation is that it requires replacing core systems or embarking on massive, multi-year projects In practice, meaningful improvements often come from simplifying workflows, integrating existing tools properly, and removing duplication When technology is aligned with real operational needs, it becomes easier to support scale rather than constrain it

AutomationandAIareincreasinglypartofthese conversations,buttheirmosteffective applicationstodayarepracticalratherthan experimental.Automatinginternalreporting, improvingforecastingaccuracy,reducing manualdataentry,orgivingleadershipclearer visibilityintooperationsoftendeliversmore valuethancomplex,customer-facingAI initiatives.Thesechangesmaynotbeflashy,but theyconsistentlyimproveefficiency,decision making,andteamcapacity.

Underlying all of this is a simple principle: technology should be your growth engine, not your bottleneck Achieving that requires clear ownership, informed decision making, and a roadmap that evolves alongside the business rather than reacting to every new trend

Technology leadership plays a critical role in making that shift Without it, businesses risk investing in tools that don’t scale, overlap in functionality, or fail to support long-term goals With the right guidance, organizations can move away from reactive decisions and toward a clear, adaptable technology strategy

That transition is often the difference between technology being a constant pain point and becoming a quiet, reliable competitive advantage that supports sustainable growth

AboutAuthor:

MarioMeyeristheFounderandCEOofReyemTech,aCanadabasedtechnologyadvisoryfirmthathelpsgrowingbusinesses aligntechnology,operations,andstrategy Withovertwodecades ofexperienceasaCTO,technologyexecutive,andadvisor,Mario hasworkedwithstartups,scaleups,andestablishedorganizations acrossmultipleindustries

Hisworkfocusesonpracticaldigitaltransformation,fractional CTOleadership,andtheresponsibleuseofautomationandAIto improveoperationalefficiencyanddecisionmaking Marioisalso anactivementor,boardmember,andcontributortothe Canadianbusinessandtechnologyecosystem

ImageCourtesy:ReyemTech

comesaStrategicPriority

lved from a minor concern to a key Canada's productivity gap is well C data demonstrates how large it can The most productive 10% of SMEs much value per employee as the in their industry The difference lies ystems: increased technology use, ows, and clearer performance

C invested $500 million over 48 25 to 2030 plan to support SMEs in hnologies, with a strong emphasis on e. In fact, high-productivity SMEs operations, use dashboards to e in real time, and engage in tailored relying on broad, unfocused tools

BeyondSurvival: HowCanadianSMEsAreRebuilding

ByKripaAnand

Canadian small and medium-sized businesses are approaching 2026 with a very different perspective than they had during the height of recent economic shocks According to the BDC's State of Entrepreneurship Report 2025, 74% of SMEs took concrete actions to increase productivity in the previous year, most typically by implementing new technologies or changing internal processes

More than half of business owners now intend to grow in 2026, with a sizable proportion planning significant changes to their business models rather than incremental tweaks This represents a shift from short-term survival to long-term rebuilding Instead of slashing costs, creators throughout the country are revamping price structures, offering subscription services, expanding into new channels, and forming strategic partnerships Canadian SMEs increasingly fall into three categories: stability, growth, and full transformation, with the latter altering how businesses produce and capture value over the next decade

Retailers are increasing employee productivity by automating inventory and demand forecasting Manufacturers are standardizing their production and maintenance procedures Professional services organizations are using workflow automation and CRM solutions to decrease administrative work and shift talent to higher-value tasks Productivity no longer means working harder It is about creating firms that operate smarter by default

ExportDiversificationinaTurbulent TradeEnvironment

Trade diversification is developing as a defining trend According to Global Affairs Canada's State of Trade 2025 report, more Canadian SMEs are exporting, with particularly high growth among smaller firms, service providers, and immigrant-owned businesses. SMEs that work with the Trade Commissioner Service export almost 20% more value and reach more markets than comparable enterprises that do not, underscoring the need for official export support

At the same time, Desjardins sees export diversification and interprovincial commerce as essential buffers against tariffs, supply chain interruptions, and geopolitical uncertainty Many SMEs are aggressively reducing their reliance on the US market by expanding into Europe, Asia, and Latin America through e-commerce channels, trade agreements, and targeted financial initiatives such as CanExport.

Real-world examples show corporations stabilizing revenue by entering two or three nonUS countries within a few years Common strategies include setting defined market mix targets, localizing products or services, using digital trade platforms for compliance and logistics, and managing currency exposure more proactively An export strategy is no longer just for big businesses It's become a key growth driver for smaller Canadian enterprises

Digital adoption is common, but digital integration is not According to CFIB's 2025 Digital Transformation Report, 92% of Canadian SMEs use digital tools, but only 10% are fully integrated across their operations This gap creates a significant potential for what experts term digital intensification.

According to CFIB research, over 23% of SMEs have invested in generative AI in the last three years, with an additional 25% planning to do so in the next three years Analytics, process automation, customer service, and forecasting are among the most popular topics Importantly, adoption is increasingly occurring through cloud-based, plug-and-play solutions rather than complex custom builds

ISED's SME AI Adoption Blueprint, endorsed at the G7 level, supports this approach It prioritizes low-risk, personalized pathways that begin with real-world use cases like chatbots, demand forecasting, and fraud detection Canadian SMEs that excel in this area typically integrate CRM, inventory, HR, and analytics into a unified data platform, enabling leaders to make faster, more informed decisions

Skills,Talent,andFounderWell-Being

People continue to play a crucial role in all of these trends According to OECD and BDC studies, managerial practices and digital skills shortages are significant restrictions on productivity and innovation Many SMEs rely on informal learning through peer groups, vendor training, and online resources rather than formal upskilling programs, reflecting both financial and time constraints.

At the same time, entrepreneurship research reveals that stress remains high Rising expenses, labour constraints, and continued uncertainty continue to weigh on entrepreneurs, despite improving optimism Canadian SMEs that successfully manage transition tend to invest not only in tools but also in leadership development, peer support, and more explicit role definition within teams Growth, digitization, and mental health are becoming inextricably linked

TurningTrendsintoaPracticalToolkit

These insights perform best in a January 2026 business trends story when offered as both a snapshot and a toolbox Mapping productivity, export diversification, and digital intensity alongside genuine founder stories can assist readers understand where they stand and what to try next By grounding national data in real-world situations and concluding each theme with clear, actionable recommendations, the discussion shifts from abstract trends to applied strategy

Together, these pressures foreshadow a watershed moment for Canadian SMEs The transition from survival to transformation is beginning, and the organizations that thrive will be those who view productivity, diversity, and digital integration as interconnected cornerstones of long-term success

Yourroleinstayinguptodateisintegraltooursharedmissionof fosteringacommunityofinnovators.CanadianSMEMagazineisa valuabletreasuretroveofentrepreneurialknowledge.Clickhereto subscribetoourmonthlyeditionsforupdatesonCanadianbusinesses. Followourhandle,@canadian sme,onXtostayupdatedonall businesstrendsanddevelopments.Yoursupportiscrucialtoour mission.

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Canadian entrepreneurship is entering 2026 with greater confidence and a more explicit focus According to the BDC's State of Entrepreneurship Report 2025, more than half of business owners are actively seeking growth, with 34% hoping for moderate expansion and 21% expecting significant gains Notably, 12 percent are considering radical changes to their business models, indicating a decisive shift away from survival mode and toward innovation This optimism is driven by clarity of purpose rather than reckless risk-taking

Entrepreneurs cite independence, meaningful influence, and the opportunity to address realworld problems as primary motivators The results show that the founder community is resilient, introspective, and increasingly strategic In 2026, growth is more than just scale. It is about developing long-lasting businesses.

Despite economic challenges, the vast majority of Canadian businesses stay dedicated to their goals According to the BDC's State of Entrepreneurship Report 2025, 92 percent of Canadian business owners say they would choose entrepreneurship again if given the opportunity, indicating a deep contentment with independence and purpose despite hurdles

According to the survey, the majority of businesses are taking proactive measures to strengthen their operations, such as increasing productivity and adopting new technologies, to remain competitive All entrepreneurs tell amazingly consistent stories Despite long hours, financial strain, and persistent uncertainty, they say they would pursue entrepreneurship again

TheEntrepreneurialMood

Shaping Canada in 2026

ByMaheenBari

A founder in Halifax emphasizes the opportunity to build on their own terms Montrealers take pride in creating jobs and contributing to the community An Ontario manufacturer discusses building resilience through failure, whereas a Vancouver startup founder welcomes the opportunity to solve real-world problems at scale What unifies them is not unearned optimism but purpose derived from experience For these founders, entrepreneurship remains challenging, imperfect, and highly worthwhile

Each profile tracks a pivotal moment that altered the business, accompanied by a concrete metric such as job creation, export growth, or community reach These aspects work together to produce a measurable impact for each story The profile concludes with one practical lesson on scaling, adaptation, or keeping true to purpose, which readers may apply to their own entrepreneurial experience

RegionalandSectorLeadersDriving Canada’sEntrepreneurialImpact

Entrepreneurial profiles in Canada can be tailored to specific locations or industries, with real-world examples that highlight both effects and lessons for readers In Quebec, meal-kit pioneer Cook it considerably increased its subscriber base and headcount after acquiring a competitor, demonstrating how strategic consolidation can promote growth and operational scale in the food and beverage industry.

Murad Al-Katib established AGT Food and Ingredients in Saskatchewan's Prairies, growing it into a global pulses exporter with facilities on five continents, demonstrating the importance of vertically integrated supply chains in agriculture

Ontario, a technology and services powerhouse, produces founders such as Alexandra McCalla, whose work with AirMatrix showcases innovation in drone and tech solutions while advancing diversity in the broader ecosystem.

In the North Atlantic, social entrepreneur Zita Cobb worked with Shorefast to expand regional economic reach through community-focused tourism and cultural companies, demonstrating how a purpose-driven company may boost local resilience.

According to BDC research, enhancing profitability, client retention, and expense reduction remain key concerns. These entrepreneurs are responding in real ways Some are fine-tuning pricing strategies, while others are investing in technology, and many are preparing for succession, as an estimated 142,000 Canadian businesses are expected to undergo ownership changes by 2030 Together, these biographies provide more than just inspiration They demonstrate how context, time, and systematic decision-making transform ambition into long-term achievements across the country

Women,Newcomers,andIndigenous Entrepreneurs

Women, newcomers, and Indigenous founders are redefining Canada’s entrepreneurial landscape. According to the State of Women's Entrepreneurship in Canada 2025 report, the majority of women-owned small and medium-sized businesses generate more than $90 billion in yearly revenue and employ almost one million people Their percentage of Canadian SMEs has continuously increased, reaching 17 8 percent by 2023

These businesses also set the standard for innovation Majoritywomen-owned firms have the highest overall innovation rate (38%), exceeding both fully women-owned and non-women-owned organizations This strength is particularly evident in technology, clean energy, creative sectors, and healthcare Newcomer and Indigenous entrepreneurs have equal influence, transforming export markets, food systems, and cultural sectors while establishing firms based on community and long-term value

StoriesThatConnectCanada’sNext LineOfEntrepreneurs

Digital transformation leaders discuss how cloud platforms, automation, and artificial intelligence have transformed operations and decision-making. Export and trade builders demonstrate how Canadian businesses are expanding into new markets despite global uncertainties

Impact and ESG champions demonstrate that sustainability and profitability are not mutually exclusive, while succession and nextgeneration entrepreneurs show how family firms are preparing for ownership transitions ahead of 2030

The founders address the same three questions:

The most significant risk they took,

One mistake they would make again, since it taught them a valuable lesson

One piece of advice budding entrepreneurs should disregard.

Assessing the profiles, you can compare perspectives across industries and regions Powerful insights can be drawn from their digital interviews and podcast conversations

MentalHealth,Resilience, andSupportSystems

Optimism does not relieve pressure. According to BDC, entrepreneurs continue to experience stress stemming from cash-flow constraints, inflation, and labour shortages Women-owned businesses, while highly innovative, express particular anxiety about rising costs and access to talent This issue brings mental health and resilience into the entrepreneurial story

Each profile focuses on the personal systems that founders rely on, such as peer networks and coaching, as well as exercise routines and intentional offline time These insights help to normalize the difficulties that make news

A complementary examination of support ecosystems demonstrates how real entrepreneurs have used advisory services, research hubs, and community funding programs to remain grounded and focused The result is a balanced representation of ambition and well-being, reminding readers that resilience is a skill developed over time rather than a personality attribute

Disclaimer:Thisarticleisbasedonpubliclyavailable informationintendedonlyforinformationalpurposes CanadianSMESmallBusinessMagazinedoesnotendorseor guaranteeanyproductsorservicesmentioned Readersare advisedtoconducttheirresearchandduediligencebefore makingbusinessdecisions Yourroleinstayingupdatedisintegraltoourshared missionoffosteringacommunityofinnovators CanadianSMEMagazineisavaluabletreasuretroveof entrepreneurialknowledge Clickheretosubscribeto ourmonthlyeditionsforupdatesonCanadian businesses Followourhandle,@canadian sme,onXto stayupdatedonallbusinesstrendsanddevelopments Yoursupportiscrucialtoourmission

WhyCloudNativeIsBecoming EssentialforCanadianSMEs

BySkUddin

Cloud usage has progressed from experimental to a need for Canadian small and medium-sized businesses. According to research from the Business Development Bank of Canada and Statistics Canada, the majority of Canadian SMEs will use at least one cloud service by 2025, with use increasing as businesses digitize processes, support hybrid teams, and reach clients outside Canada

Along with this transformation, a new company category has emerged: cloud native SMEs These businesses are built on software-as-a-service platforms, cloud infrastructure, and serverless technologies from the outset As a result, companies are often more resilient, export-ready, and better prepared to deal with economic disruptions Their stories offer Canadian business owners practical lessons on leveraging technology to increase revenue, enhance flexibility, and build long-term competitiveness

Cloud platforms have significantly reduced the barriers to international trade Canadian SMEs no longer require foreign offices or complex on-premise technology to operate abroad. Instead, e-commerce platforms, cloud-based payment systems, and digital logistics technologies enable small teams to manage worldwide stores, customers, and compliance from Canada A clear example is the Shopify-based ecosystem of Canadian brands

Wealthsimple highlights how cloud infrastructure enables secure scaling in the financial services industry While larger than the average SME, the company ' s cloud-first architecture enables rapid onboarding, compliance, and service delivery across markets, demonstrating what smaller Canadian fintech and professional services firms can emulate at a lower scale The tendency is consistent across all export-focused SMEs CloudNativeExporters CompetingonaGlobalStage

Shopify,foundedinOttawa,enablesmerchantsto sellinmorethan170countrieswhilehandling payments,trafficsurges,andintegrationsthrough itscloudinfrastructure.ThousandsofCanadian SMEsusethesitetoconnectwithworldwidebuyers, andmanymaketheirfirstexportsalewithinmonths ratherthanyearsofdebut.

When a company fully migrates its sales, customer data, and operations to the cloud, it frequently marks a watershed moment Export milestones, such as acquiring a first foreign customer or achieving a seven-figure overseas revenue year, are closely linked to tools including cloud-based ERPs, CRM systems, and automated tax and shipping services

HybridWorkBuiltonCloudCollaboration

Many Canadian SMEs relied on cloud adoption to build longterm hybrid work models Collaboration tools like Microsoft 365 and Google Workspace now support daily operations, enabling video meetings, shared documents, project management, and customer support from anywhere Public-sector initiatives provide insight into this transition

Shared Services Canada's implementation of Microsoft 365 demonstrates how cloud capabilities such as Teams and SharePoint enable large-scale hybrid work On a smaller scale, SMEs use a similar strategy, revamping workflows to reduce reliance on email and improve team visibility

In practice, cloud-enabled hybrid work has altered meeting procedures, performance measurement, and documentation management Successful SMEs integrate clear policies with appropriate platforms, ensuring that technology supports culture rather than undermines it

CloudAIandDataas GrowthEnablers

Cloud-native SMEs are increasingly adding artificial intelligence and analytics to their digital underpinnings Instead of developing sophisticated in-house systems, they use AI delivered via cloud services to estimate demand, automate customer support, and personalize crossborder marketing

According to Statistics Canada, 12 2 percent of Canadian firms use AI to produce goods or services, with cloud-based solutions the most common method As these technologies become more widely available, SMEs are bridging the gap with larger companies by deploying chatbots, analytics dashboards, fraud detection tools, and translation tools

The federal guidance on SME AI adoption emphasizes low-risk entry points, encouraging enterprises to start with realistic use cases rather than large-scale transformation This strategy is evident in cloud-native exporters and hybrid-work SMEs, which use AI to manage global operations and remote staff from a unified, data-driven business view

ImplementationRiskandWhat

SuccessfulSMEsDidRight

Every cloud success story is the result of rigorous governance, security, and change management decisions Most Canadian SMEs that successfully converted did so gradually, transferring one function at a time and investing in staff training and new technologies

Cybersecurity has been a serious concern Many cloud-native SMEs adhere to CyberSecure Canada guidelines, which include multifactor authentication, encrypted backups, role-based access, and documented incident response strategies These precautions have helped businesses avoid costly downtime and recover swiftly from attempted intrusions, especially when compared to those that rely on unmanaged local systems

Due diligence on vendors has been equally crucial SMEs that succeeded addressed specific questions about data residency, uptime, integrations, and exit options to avoid tool sprawl and ensure their cloud stack met long-term goals

TurningCloudProfilesinto aCanadianPlaybook

Taken together, these experiences demonstrate how cloud native adoption is transforming Canadian entrepreneurship Cloud technology has evolved from a back-office function to a strategic tool, enabling exporters to serve global customers and hybrid teams to access talent nationwide As a recurrent series, profiling cloud-native Canadian SMEs can provide readers with an ongoing, practical roadmap

Theclouddiscoursemovesfromabstract technologytoactionablebusiness strategybygroundingeachnarrativein realdata,tools,andlessons,helping Canadianentrepreneursbuildresilient, scalable,andfuture-readybusinesses.

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Defining the Year Ahead: Canadian Business Leaders

on 2026

BuildingWhat’sNext:

SETTING THE DIRECTION FOR CANADIAN BUSINESS IN 2026

As 2026 begins, CanadianSME Small Business Magazine presents a special New Year edition featuring messages from Canadian business leaders, policymakers, and industry executives, including Nina Tangri, Associate Minister of Small Business; The Honourable Rechie Valdez, Minister of Women and Gender Equality and Secretary of State for Small Business and Tourism; Michelle Biase, President and Managing Director at HP Canada; Ryan Sydor, Area VP at Okta Canada; Sean Griffin, President of UPS Canada; and Mohamed Basma, General Manager of Small Business Services at ADP Canada

Their reflections on the lessons of 2025 provide clear direction for the coming year Economic shifts, rapid technological advancement, and changing market demands have put businesses to the test over the past year Canadian small businesses have continued to adapt and grow thanks to their resilience, disciplined leadership, and long-term thinking

Government leaders such as Nina Tangri and Rechie Valdez reaffirmed their commitment to supporting entrepreneurs through policies that encourage growth, innovation, and expansion, while helping businesses scale beyond domestic markets Industry leaders, including Michelle Biase, Ryan Sydor, Sean Griffin, and Mohamed Basma, emphasized future readiness, spanning workforce transformation and responsible technology adoption, dependable infrastructure, and people-first solutions

Together, these perspectives acknowledge the challenges that lie ahead while reaffirming the power and relevance of Canada's small business community As 2026 approaches, this edition urges company owners to reflect on their path, stay focused on impact and consistency, and continue to build firms that benefit communities and shape the future of Canadian business

EmpoweringCanadianSmall BusinessesforGrowth, Opportunity,andGlobal Reachin2026

As we begin 2026, I want to start by saying thank you to Canada’s small and medium-sized business owners Your resilience, creativity, and determination are what drive our economy forward and strengthen communities in every region of the country

Our federal government is committed to continuing to stand with you Budget 2025, released in November, was built with entrepreneurs in mind, because we know that when small businesses succeed, Canada succeeds

This year, we are helping businesses grow beyond our borders by strengthening export readiness and market expansion We are also making it easier for small businesses to access federal procurement opportunities and benefit from tariff relief, helping them create good jobs and strengthen local economies across the country Moreover, expanded financing through institutions like the Business Development Bank of Canada ensures entrepreneurs have the support they need at every stage of growth

Budget 2025 provides funding through CanExport to help small businesses expand internationally We will also launch a new SME Export Readiness Initiative to support training for SMEs with limited exporting experience to build capacity to make informed, strategic decisions as they diversify trade

Tourism is another powerful engine of growth With the return of the Canada Strong Pass this upcoming summer and investments in airports and ports, we are helping local businesses attract visitors, create jobs, and benefit from increased economic activity across the country

As we look ahead, our focus remains clear: building the strongest most inclusive economy in the G7 To Canada’s entrepreneurs, know that your federal government supports you, and will continue to be your partner in growth I wish you a successful year ahead, and I look forward to continuing our work together in 2026

The Honourable Rechie Valdez was appointed Minister of Women and Gender Equality and Secretary of State (Small Business and Tourism) in May 2025 She is the Member of Parliament for Mississauga Streetsville.

Minister Valdez brings diverse experience in business, community leadership, and public service to her role Before entering politics, Minister Valdez worked in corporate banking for over a decade, ran a small baking business, and hosted and produced a national television show. She has been a vocal advocate for women entrepreneurs, youth engagement, and the celebration of cultural diversity in Canada

FromStabilitytoGrowth: AStrongYearAheadfor SmallBusinesses

As we welcome 2026, small businesses across Ontario are entering a year defined not only by resilience, but by opportunity Ontario’s entrepreneurs continue to navigate global uncertainty, shifting consumer expectations, and rapid technological change Despite these challenges, our small business community has shown that they do not simply react to change, they drive it

Ontario’s entrepreneurs inspire me every day, bravely following their dreams with courage and confidence From launching a new venture, to modernizing long-standing operations, or preparing the next generation for leadership, they play a vital role in shaping Ontario’s economic future

Our government, under Premier Doug Ford’s leadership, remains firmly committed to supporting that ambition. By reducing costs, cutting red tape, and improving access to practical supports, Ontario delivered $11 9 billion in savings and supports to businesses in 2025 Measures like tax relief, reduced WSIB premiums, and electricity savings have helped small businesses reinvest where it matters most, in their people and their communities

We’re keeping that momentum going In 2025, we introduced a series of new supports like Succession Ontario, our province’s Business Succession Planning Hub that provides entrepreneurs with the guidance and resources needed to plan ownership transitions early and effectively With many owners preparing to retire in the coming decade, this support will help local businesses remain open, protect jobs, and preserve the character of communities across our province

We also know that digital modernization is fundamental to competitiveness Through the Retail Modernization Project Grant, small retailers can receive up to $5,000 in matching funds to adopt tools like online payment systems, inventory management software, digital marketing platforms, cybersecurity solutions, and advanced AI technologies. These upgrades will help businesses increase efficiency, expand their reach and meet the expectations of today’s consumers

As 2026 begins, I want every small business owner to know that our government will continue to stand with you, championing your growth, innovation, and success while ensuring Ontario remains the best place to build, grow, and dream.

The Honourable Nina Tangri was elected to the Legislative Assembly of Ontario in 2018 as the Member of Provincial Parliament representing the riding of Mississauga Streetsville Nina Tangri is also Associate Minister of Small Business

In March 2023, she was the Associate Minister of Housing, and in 2021, she served as the Minister of Small Business and Red Tape Reduction In June 2019, Nina was appointed Parliamentary Assistant to the Minister of Economic Development, Job Creation, and Trade.

Our government, under Premier Doug Ford’s leadership, remains firmly committed to supporting that ambition By reducing costs, cutting red tape, and improving access to practical supports, Ontario delivered $11.9 billion in savings and supports to businesses in 2025 Measures like tax relief, reduced WSIB premiums, and electricity savings have helped small businesses reinvest where it matters most, in their people and their communities.

PoweringCanadian BusinessForward in2026

As we begin a new year, thank you for your trust and partnership with UPS Canada Your business is at the heart of what we do, and we ’ re proud to help you deliver for your customers every day Small and medium-sized businesses are the backbone of Canadas economy, and we appreciate the hard work and innovation that drive your success

This past year, we celebrated 50 years of serving Canadian businesses a milestone that reflects decades of collaboration and shared growth Our commitment remains the same: providing the tools, resources, and expertise you need to compete and thrive in a changing marketplace.

We know running a business comes with challenges, and were here to help whether it’s navigating supply chains, reaching new markets, or streamlining operations We continue to invest in technology and solutions to give your business the flexibility and reliability it deserves

Sean Griffin drives UPS Canada’s vision to keep commerce moving and connect businesses to global markets With more than 20 years of experience, he rose from the front lines as a package car driver to senior leadership roles across Canada and the U S , building deep expertise in logistics and operational strategy

Warmregards,

SeanGriffin President,UPSCanada

Holding a BA from the University of Guelph and a Master’s from the University of Phoenix, Sean combines strategic insight with hands-on experience to position UPS Canada as a trusted leader in reliability and growth. Under his leadership, UPS Canada is delivering innovative solutions, strengthening customer partnerships, and enabling businesses to thrive in an increasingly global marketplace

Small business owners, leaders, and employees: Thank you.

Thank you for another year making everything tick For another year powering the economy, serving local communities, and pushing innovation into uncharted territory.

Thank you for entrusting ADP Canada with your HR and payroll needs It’s a privilege to work with our small business clients every single day I look forward to continuing the work To continue listening to your priorities To continue designing forward-thinking solutions that solve uniquely small business tasks To continue providing unmatched service and expertise

Time for 2026.

With ADP Canada in your corner, let’s make it the year where challenges are turned into competitive advantages.

026:TurnChallengesinto ompetitiveAdvantages

MohamedBasma

amed Basma leads the Small Business Services division for ADP Canada and ees the complete client journey from implementation to Service Mohamed’s on is to make sure Small Business Clients are satisfied and successful with their solution GeneralManager,SmallBusinessServices,ADPCanada

Here’s how:

Outsource & Automate: A big challenge for small business owners? There’s simply not enough time in the day. Running payroll, tracking time, managing compliance and talent layered on top of key strategic initiatives that will unlock growth. The solution? Turn to a provider like ADP Canada who can streamline core functions through HR and payroll solutions or manage them end-to-end through outsourcing solutions so you have time to focus wholly on those strategic initiatives that will push the company forward

1) 2)

Develop an AI Strategy: According to ADP Canada’s Workplace Trends for 2026 report, just 47% of Canadian small businesses believe AI can help them stay competitive compared to 75% of large organizations This challenge can change If implemented strategically, AI can help small businesses level the playing field against larger companies When looking at AI for your small business in 2026, follow a three step approach First, identify your purpose for AI and ensure the infrastructure is ready to go Second, implement AI with expertise Identify a strategic partner who can help the integration go smoothly rather than doing it on your own Third, rally your team Communiate to your small business team on your plans for AI and how it can work side-by-side with them to boost productivity As part of this process, upskilling may be necessary

3)

Optimize Your Employee Experience: ADP Canada’s Workplace Trends for 2026 report also found just 48% of small businesses are confident in their ability to optimize the employee experience. 43% are confident they can access data to understand employee sentiment, while 44% believe they can capture valuable employee feedback Your people are your greatest asset Happy employees make engaged employees make productive employees make retained employees that drive a small business to new heights In 2026, make it a point to enhance the employee experience Connect more deeply and more often Consult your HR partner for guidance on using technology to turn employee experience from a challenge to a competitive advantage

Personally and professionally, I wish our small business owners, leaders, and employees a healthy and prosperous 2026 On behalf of ADP Canada, we look forward to supporting you in the new year and beyond

ImageCourtesy:MohamedBasma

As the daughter of small business owners, one thing has been clear to me from a young age: small businesses are the lifeblood of communities across Canada, and when these businesses win, so do our families and communities After all, 64% of private sector employment and almost half of Canada’s GDP are powered by SMEs in the Canadian economy.

I also know that uncertainty is a constant for entrepreneurs But this year presents a unique opportunity to better navigate uncertainty with AI in your toolkit The wide availability of AI-powered tools has leveled the playing field for SMEs In fact, increasingly we are seeing that with AIpowered tools, SMEs can predict demand with greater accuracy, streamline processes, understand customers, and make better decisions to ultimately grow

The potential opportunity with AI is significant – the most recent Google Economic Impact Report, released by Public First, shows that generative AI has the potential to boost Canada’s economy by $230 billion and could save the average Canadian worker over 170 hours a year For a small business owner, that isn't just efficiency; it’s more profit, revenue and precious time back in your day

Forward-thinking leaders are using these tools to gain an edge Roughly 46% of Canadian business leaders report ‘definitely using AI’ at work and sales and marketing is a great place to startresearch shows that 71% of businesses using AI in those areas have already reported increased revenue.

My advice for 2026 is simple: start small. You don’t need to overhaul your business overnight. Embrace the concept of "atomic habits", improving your competency by just 1% each day. Over the course of a year, those small steps compound into significant growth.

AI truly is your competitive advantage You are not competing with AI; you are competing with other businesses that are using AI

This year, let’s be learners and experimenters together Here’s to your success & continued brilliance in 2026!

SmallSteps,BigGains: HowAICanPowerSME Growthin2026

Natasha Walji is the Managing Director for Google Canada focused on helping SMEs grow & thrive using AI Previously, she was a McKinsey consultant and software developer. Natasha has served the community for 20+ years focused on disaster relief, poverty alleviation, public health and co-founded an organization for children with disabilities Natasha is an angel investor and Investment Committee member at Blue Ivy Ventures She holds a BSc, Computer Science (UVic), MBA (Yale) and MSt

NatashaWalji

Sustainability Leadership (Cambridge) ManagingDirector Google CustomerSolutions,GoogleCanada

PeopleattheCentre: GuidingSmallBusinesses intoaFuture-Ready2026

As we enter 2026, I’d like to acknowledge the vital role that small and medium-sized businesses play in shaping Canadas society and economy There are 1 1M businesses in Canada and 98% of them are a small business serving as the heartbeat of their communities and acting as places where purpose, creativity, and connection thrive side by side

The past year has been one of challenge and possibility In our annual Work Relationship Index, only 15% of Canadian knowledge workers report having a healthy relationship with work a sharp decline compared to last year. Yet, what the data reinforces is something entrepreneurs have always understood While external disruption will come and go, 85% of the factors that shape our work experience are within control For small business owners, that means leadership, clarity, culture and technology remain powerful levers in shaping the year ahead

Resilience will continue to be a defining theme in 2026. We know Canadians have experienced rising expectations and constant change, with 58% saying demands have increased. These pressures mirror what entrepreneurs face, often balancing multiple roles with limited resources. Amid these challenges, there is a clear path forward. Fulfillment, peoplecentric leadership, and the right tools significantly improve how people feel about their work. When teams feel supported and equipped, productivity and growth naturally follow

purpose that brought you into business in the first place When we put people at the centre of our business, resilience becomes a shared capability and growth becomes a shared outcome

I wish every Canadian entrepreneur a successful, fulfilling and future-ready year!

Were also seeing the next generation reshape the future of work. By the end of 2030, Gen Z will make up a third of the workforce. As many are entrepreneurs, leading side ventures and writing their own roles, they bring a desire for autonomy, purpose, and continuous learning Their mindset offers inspiration to all navigating uncertainty

As you plan for the year ahead, I encourage you to embrace change with confidence Invest in your people and empower them with modern technology (especially AI-enabled tools), staying rooted in the

Michelle Biase serves as the President and Managing Director of HP Canada, where she spearheads the national go-to-market strategy and execution to accelerate business transformation and foster operational growth. Michelle is responsible for overseeing both direct and indirect sales engagements across HP's diverse portfolio, which includes personal systems, print and workforce products and solutions for commercial, consumer and public sector segments

IdentityandSecurity Predictionsfor2026: ACanadianPerspective

The digital security and identity landscape in Canada is undergoing a seismic transformation, and as we move into 2026, identity will solidify itself not only as the cornerstone of security but also as the primary driver for business efficiency and customer experience. My most significant prediction is the emergence of a critical and unprecedented need to manage the Identity of AI Agents This is a crucial shift; until now, much of our focus has been on protecting human identities (employees, partners, customers), but the increasing autonomy and decision-making capabilities of AI agents operating within our corporate networks necessitate a paradigm change Canadian organizations must begin treating these digital workers with the same level of rigor as human employees This means assigning AI agents verifiable digital identities, enforcing access control based on roles, and establishing comprehensive governance over their activities Companies will need to know definitively which AI agent is accessing which data and why However, this focus on AI governance must extend beyond security controls to the execution of AI strategy itself: Canadian enterprises must prioritize implementing feasible and high-impact AI projects and move beyond merely proposing ideas that lack the necessary infrastructure or talent to be executed effectively SMEs lacking an AI strategy must urgently adopt one and seek partnerships with experienced companies. We are ready to support these businesses in protecting their AI identity. Businesses must ensure that their AI initiatives, particularly those involving sensitive data, are built on a solid foundation of identity and access management from the outset This necessity will accelerate the move toward Zero Trust architectures across Canada, as the attack surface expands with every new AI agent and IoT device, compelling businesses to abandon perimeter security models and fully adopt continuous authentication and authorization for every access request, whether it originates from a person or an AI agent Finally, Passwordless Authentication (biometrics/passkeys) will become standard for human identities, enhancing security and user experience by minimizing credential compromise The successful 2026 security strategy must simultaneously protect human and artificial identities, requiring every Canadian enterprise to assume everything has an identity that must be protected, governed, and integrated into executable business strategies

RyanSydor

Ryan Sydor is a sales leader with extensive experience in the technology and enterprise sectors Currently serving as the Area Vice President of Okta Canada,, Ryan has been instrumental in leading and expanding Okta's Canadian market presence since June 2022.

Previously, Ryan held several senior roles at Salesforce, including Vice President of Manufacturing, Automotive, and Energy, where he focused on industry-specific solutions Before joining Salesforce, he served as a Senior Director of Sales at Clio, a legal practice management software company, where he helped scale and train the sales team and establish the Toronto sales office.

2026: YourYeartoMove BoldlyForward

Happy New Year! Canadian entrepreneurs are the driving force behind our economy creating jobs, sparking innovation, and strengthening communities This year is about you: your ideas, your growth, and your resilience

We know many of you are looking to adopt new technologies, explore new markets, all while navigating uncertainty We are proud to support you on this journey, and we are here to make your next step easier For those ready to embrace innovation, our Data to AI Program and the free online course Your AI Journey: From Strategy to Execution offer practical guidance to help you integrate AI into your business Because technology shouldnt be reserved for big companies it should empower every entrepreneur.

We also understand the challenges of volatility. Through our $500M Pivot to Grow envelope, we ’ re providing financing and advice to businesses affected by U S tariffs, while our Softwood Lumber Guarantee Program supports industries facing unique pressures At the same time, opportunities are emerging in business acquisitions and ownership transfers Our partnership with First Nations Bank of Canada has launched a $100M initiative to help Indigenous communities acquire established businesses, and our Thrive Entrepreneurship through Acquisition Fund is enabling more than 60 Canadian women to become owners and operators

For entrepreneurs looking to scale into strategic sectors, our new Defence Platform, with up to $4B in financing and advisory services, is designed to help Canadian businesses enter defence supply chains and bring innovative solutions to market

Across all of this, one thing is constant: Canada moves forward because you do Your creativity and determination shape our shared future. At BDC, we ’ re proud to stand behind you with the tools, financing, and advice you need to succeed

Here’s to a year of bold moves and lasting impact.

Wishing you a successful and inspiring 2026.

Véronique brings an impressive 24-year career as a strategic business leader with a track record for driving growth, delivering ambitious transformations and creating a digitally-enabled operating model that is always client focused.

She was appointed BDC’s Executive Vice President and Chief Operating Officer in August 2022 In this role, she oversees the Financing, Growth & Transition Capital, and Advisory Services business lines, ensuring BDC’s solutions are integrated, effective and efficient for maximum impact on Canadian business owners

UsingAItoSolve CashFlowChallenges

AI is everywhere right now It’s exciting, but it can also feel overwhelming, coming at us from so many directions that it’s hard to know what’s real, what’s hype, and where we can truly trust technology

At Sage, our perspective is simple: AI should never replace financial judgment or add risk It should work quietly in the background to strengthen the systems small businesses already depend on by helping them manage cash flow, meet obligations, and make confident decisions.

ManagingDirector ofCanada,Sage CinziaBazzo

Cinzia Bazzo is the Managing Director of Canada and serves as a Board Associate at Sage, driving impactful initiatives that empower the businesses forming the backbone of Canada’s economy

Cinzia brings a wealth of experience to Sage having led transformative growth across the technology sector throughout her career Before joining Sage, she served as Country Leader for Workday Canada, where she helped businesses unlock the power of data to overcome challenges, seize new opportunities, and streamline operations. Additionally, in her successful six-year tenure at Salesforce, she advanced to become Canada’s Country Leader for Service Cloud, a leading customer service platform Further, she has held key leadership roles at top technology companies, including Oracle, Infor, and SAP

Cash flow is the lifeline of any business It’s what determines whether an owner sleeps well at night or lies awake worrying about payroll, supplier payments, and what’s coming next Rising costs, delayed payments, and ongoing economic volatility have made financial management more complex than ever Yet many businesses still rely on spreadsheets, manual processes, or disconnected tools This is where AI can make a meaningful difference

AI works best when it’s part of the systems you already rely on and not an add-on after the fact By embedding AI into core financial processes like accounting, payables, and compliance, insights happen where decisions are made The result? Automation without losing control, clarity without black boxes, and productivity gains without compromising accuracy or trust

For many business leaders, AI still feels abstract or out of reach. But here’s the truth: AI doesn’t need to be revolutionary to be valuable. Its real value lies in quietly removing friction from everyday work and giving business owners clearer visibility into what’s happening in their business before problems arise

As we look toward 2026, I’m optimistic about what’s possible for Canada’s small business community The past few years have demanded resilience and grit, and that perseverance continues to be the backbone of our economy Now is the time for SMEs to move forward with clarity and confidence, using technology as an advantage, not a source of uncertainty

Taking the leap into AI in 2026

An enterprising executive with 20 years of sales leadership experience including Sony, Ericsson, Two Hat Security, and Vadim Software. Mike serves as the President of Maximizer, an AI-driven CRM platform designed for fast deployment. Trusted by financial professionals and Canadian businesses alike, Maximizer empowers growing teams need to deepen relationships, stay ahead of client needs, and make confident, data-driven decisions

This is the year leaders must embrace AI, not cautiously at the edges, but confidently and intentionally Businesses that thrive will be the ones that take the leap by clearly identifying a problem AI can solve and building from there

AI doesn’t have to be scary or risky When implemented safely, it becomes one of the most trusted partners a business leader can have At Maximizer, we serve industries operating in highly regulated spaces When building our AI tool, IQ Boost, we incorporated data and security at every level with guardrails to ensure the system remains secure, trained only on the user ’ s data, and anonymized from further use

Today, you don’t have to avoid AI to stay compliant You simply need AI that is trained on your data, is compliant with your organizational parameters, and operates with clear permissions and transparency. AI that respects the frameworks you work within every day You shouldnt fear where your data goes; you should know and control every step

CRM: The Hub Where All Your AI Connects

As AI expands, organizations face a new question: How do all these tools talk to each other? The answer is the CRM

Your CRM isn’t just a system of record; it’s the central nervous system of your client experience It’s where your data lives, where opportunities surface, and where AI gathers context to deliver timely, meaningful insight When the CRM becomes the hub for your data, AI becomes a more powerful and insightful solution

The Leadership Advantage in 2026

This year will reward leaders who use AI not to accelerate volume but to elevate judgment, those who adopt trusted technology to sharpen decisions, regain time, and lead more humanely. Precision leadership means knowing what deserves your attention. AI surfaces that insight and gives you back time to focus on high value activities to lead your business

So as 2026 begins, ask yourself:

What could your team achieve if your AI was safe, compliant, and trained entirely on your data?

If you could see risks sooner, spot opportunities earlier, and understand exactly where your guidance would make the biggest impact, would you have more time for the moments that matter most?

This is the year to make the leap

The opportunity is here

And the leaders who move with confidence will define the future

Here’s to a transformative 2026.

An enterprising executive with 20 years of sales leadership experience including Sony, Ericsson, Two Hat Security, and Vadim Software Mike serves as the President of Maximizer, an AI-driven CRM platform designed for fast deployment Trusted by financial professionals and Canadian businesses alike, Maximizer empowers growing teams need to deepen relationships, stay ahead of client needs, and make confident, data-driven decisions

NavigatingtheFuturewith Purpose:A2026Visionfor SmallBusinesses

As we look ahead to 2026, I’m continually inspired by the resilience, adaptability, and ambition of Canada’s small and mid-sized business community Over the past few years, business leaders have navigated economic volatility, geopolitical uncertainty, talent challenges, and rapid technological change, and they’ve done so with determination and creativity

Today’s environment remains complex Finance leaders are balancing cost pressures with growth ambitions, managing evolving risks, and making decisions amid ongoing uncertainty Succeeding in this climate is no longer about leading with certainty, but about navigating ambiguity and being ready to pivot when conditions change

One of the clearest lessons I’ve seen is that visibility matters more than ever. When leaders have timely, accurate insights into spending, cash flow, and operations, they can make faster, more confident decisions This is why many Canadian businesses are embracing automation and AI, not as a replacement for human judgment, but as a way to reduce manual work, surface better insights, and support smarter decision-making

At the same time, trust and transparency are becoming just as important as innovation As AI becomes more embedded across finance, travel, and expense management, organizations must ensure strong data governance, security, and human oversight Technology delivers the most value when employees understand it, trust it, and feel supported by it

True resilience also comes from collaboration Finance, IT, and operations teams are increasingly working together to balance efficiency, compliance, and employee experience, particularly as business travel, expense management, and cash flow remain highly controllable areas for small businesses seeking strong ROI

As we enter a new year, my advice to small business leaders is simple: invest with intention. Focus on solutions that improve visibility, automate routine processes, and help teams adapt quickly without losing control. Encourage experimentation, learn from what doesn’t work, and keep your people at the centre of every decision

Small businesses are the backbone of Canada’s economy, driving innovation in every community. With the right mix of insight, technology, and trust, 2026 can be a year defined not just by resilience, but by sustainable growth and renewed momentum.

BrianVeloso

Brian Veloso has been with SAP Concur for over 16 years, currently serving as the Managing Director for Canada With over 23 years of experience in sales leadership and business acumen, Brian leads high-performing teams dedicated to delivering cloud-based solutions that provide transparency and effortless experiences for employees. Outside of his professional life, Brian is a passionate advocate for community impact, raising awareness and funds for Make-A-Wish Canada and the SickKids Foundation

ImageCourtesy:BrianVeloso

BuilttoGrow:WhyDigitalMeansBusiness forCanada’sSmallBusinesses

A new year brings renewed momentum and for Canada’s small businesses, 2026 is shaping up to be a year of real opportunity

Small businesses remain the backbone of Canada’s economy, accounting for nearly two thirds of private-sector jobs and close to half of national GDP You drive innovation, fuel local communities, and set the pace for growth across every sector As the economy evolves, your ability to adapt, compete, and scale has never mattered more

Digital media will be central to that growth. It is no longer an experimental channel or a secondary tactic. Digital advertising enables small businesses to reach new customers far beyond their immediate geography, build lasting relationships with existing audiences, and manage growth with precision and flexibility The tools are more accessible, more measurable, and more effective than ever, allowing businesses of every size to compete with confidence.

What makes this moment especially powerful is how dramatically the advertising ecosystem has evolved in your favour Capabilities once reserved for large enterprises are now within reach of small businesses Today, you can access local and national TV inventory directly from your desktop, create compelling content with modern creative tools, and connect with customers across the full funnel, from awareness to loyalty Scale, creativity, and performance now work together, not in opposition

This momentum is reinforced by Canada’s broader ambition to lead globally in AI and digital infrastructure Governments are doubling down on digital adoption because small businesses play a critical role in that vision Your participation, innovation, and willingness to embrace new tools are essential to Canada’s economic competitiveness in the years ahead

With growth comes responsibility As small businesses scale, understanding emerging policies around privacy, consumer protection, competition, and AI becomes a strategic advantage The most successful businesses are not waiting for change to happen to them They are staying informed and actively engaged

That is why we built Digital Means Business: to help Canadian small businesses navigate digital growth with clarity, confidence, and practical support

As 2026 gets underway, the message is simple. The tools are here. The opportunity is real. And your next phase of growth is well within reach.

President,IABCanada

Sonia Carreno is President of IAB Canada and a passionate advocate for Canadian small businesses She works at the intersection of industry, policy, and innovation to help businesses navigate digital growth with confidence Through initiatives like Digital Means Business, Sonia is focused on making digital advertising more understandable, accessible, and effective for entrepreneurs across the country

SoniaCarreno

Resilience,Renewaland theNextGenerationof CanadianEntrepreneurs

Few years have tested Canadian entrepreneurs quite like 2025. Ongoing trade and tariff uncertainty, geopolitical instability and shifting global supply chains have added new layers of complexity for small business owners already navigating a volatile economic environment. From exporters recalibrating pricing to local businesses managing rising input costs and unpredictable markets, today’s founders are being asked to make critical decisions with less certainty than ever Yet across our amazing country, entrepreneurs continue to adapt, innovate and persevere.

Small business owners are, by their nature, problemsolvers who innovate, take calculated risks and strengthen our communities Their resilience is not just admirable; it’s essential to Canada’s economic future Small businesses remain the backbone of our economy, creating jobs, sustaining local communities and driving growth that is both durable and inclusive

At Futurpreneur, we see entrepreneurs’ resilience firsthand every day. As we look ahead to 2026, we are proud to be approaching a major milestone: 30 years of supporting young entrepreneurs. Since 1996, more than 20,000 entrepreneurs have launched businesses with Futurpreneur’s loan financing and mentorship support. These businesses contribute to inclusive economic development and prosperity in communities of all sizes across Canada.

Karen Greve Young is CEO of Futurpreneur, a national non-profit whose pan-Canadian team has supported the success of 20,000+ diverse, young entrepreneurs launching businesses that contribute to inclusive and sustainable economic development in every province and territory. Karen is also proud to serve as Chair of the Board of Ovarian Cancer Canada. She holds an MBA from Stanford University and a BA in Economics from Harvard University CEO,Futurpreneur

Our team is especially proud of the impact behind those numbers. Each year, at least 14 per cent of the entrepreneurs we support tell us they never would have started a business without Futurpreneur Once they start, Futurpreneur-supported businesses are 27 per cent more likely to survive five years than the Canadian average

In a challenging economic climate, the right startup support is vital to help businesses succeed and strengthen local economies, one entrepreneur at a time.

If you’re considering starting a business, know that you don’t have to do it alone. Access to capital, mentorship and trusted guidance can transform your great idea into your business taking root and flourishing. Futurpreneur is here to help young entrepreneurs take that first step, including aspiring founders in communities that face systemic barriers to entrepreneurship and small business ownership.

Finally, for successful business owners looking to give back, January is National Mentoring Month Now is the perfect time to volunteer as a mentor, supporting the next generation of entrepreneurs and helping to shape a stronger, more inclusive Canadian economy

KarenGreveYoung

Ashalee Mohamed is a senior business leader with over 18 years of experience driving growth and leading highperformance teams across a variety of industries. As the Head of Canada, Sales & Go-To-Market (GTM) at Xero, Ashalee leads the Canadian GTM team, focusing on accelerating revenue growth and delivering operational excellence She is deeply committed to empowering organizations to thrive, with a particular passion for supporting small businesses in Canada and contributing to the fundamental success of this vital sector in the Canadian economy.

BuildingMomentum: ABrighterOutlookfor CanadianBusinessesin2026

As we step into 2026, I want to take a moment to acknowledge the resilience and determination that Canadian small business owners have shown over the past year. Navigating an uncertain economic landscape marked by shifting trade dynamics and ongoing adjustments is no easy feat It requires agility, creativity, resilience and courage Your perseverance has not gone unnoticed

The good news is that signs are pointing toward steadier ground ahead Inflation has returned to the Bank of Canada's target, meaning that while costs continue to rise, they're doing so in smaller, more predictable increments This stability creates an opportunity for small business owners to rebuild margins and plan with greater confidence as consumer spending tentatively begins to make up ground Meanwhile, the latest CFIB Business Barometer shows renewed optimism within the small business community; a testament to your collective adaptability

Another development worth celebrating is the government of Canada's commitment to open banking As this framework takes shape, small businesses will gain access to more streamlined financial tools, better data insights, and improved cash flow management For entrepreneurs who have long navigated fragmented systems and manual processes, this represents a meaningful step forward in how you manage and grow your operations

AtXero,weunderstandthatbehindeverybalancesheetisa dream-afamilylegacy,apassionproject,avisionfor somethingbetter.That'swhyweremaincommittedto buildingtoolsthatsimplifythefinancialsideofrunninga business,soyoucanfocusonwhatmattersmost:serving yourcustomersandcommunities.

As you look ahead to the opportunities of 2026, know that you don't have to navigate the journey alone. Lean on your advisors, embrace the tools available to you, and continue building the resilience that has carried you this far

Here's to a year of growth, stability, and success for Canada's small business community.

EARTHQUAKE ECONOMICS 2025–2026

WhyYouShouldBeExcited

No one I’ve known, or met in my enterprise or personal travels, predicted the earthquake disruption and uncertainty of this past year and the year to come seems a little questionable to say the least Globally there’s massive political and trade realignment, while we face the ongoing challenge of an aging work force, rapid AI adoption, and climate-driven economic change This is not just a front page/screen news story we can ignore, it’s affecting your attitudes and buying patterns from bananas and apples on your grocery store shelves to our vacation properties and plans.

Based on trust, admiration and respect other nations feel for us, we do OK (USA dropped from #30 to #48). Canadian SMEs operate in one of the world’s most trusted national brands Canada is widely seen as stable, ethical, and dependable attributes that matter more than ever when global confidence is fragile When Canadian businesses shows, supply chains, or digital services, they carry that trust with them. In an age where risk management dominates decision-making, “Made in Canada” is a growing competitive advantage Most importantly, we SMEs embody Canadian economic values: entrepreneurship, service, adaptability, along with that trust In earthquake economics, scale does not equal strength responsiveness does. We should be excited because the ground is shifting in our favour

And as talent shortages intensify globally, Canada’s reputation stands out Our openness to immigration gives smaller firms access to diverse, motivated, and globally connected talent pools We SMEs integrate newcomers quickly, recognize skills pragmatically, and build loyal, long-term teams This is what makes the fabric of our enterprise family, our community & our country strong and competitive

As global systems shift and traditional assumptions break, it’s SMEs not massive bureaucracies that are best positioned to adapt, innovate, and lead In this environment of daily/weekly/monthly ‘what next??’, we Canadian SMEs should not feel threatened we should feel energized! The circumstances we find ourselves in, reward speed, trust, and resilience over size and legacy And we have that in spades! Who says so?

Buy Canada… the rest of the world does!

CEO and founder of Nerds On Site Inc, Charlie Regan, is ready to take on the world Through his expertise, dedication, and years of experience in the tech industry, Charlie has made the company one of Canada’s highest IT solutions company.

Understanding that the technology industry is evolving at an increasingly fast rate, Charlie brings an innovative approach with his team to ensure that clients are getting the best IT solutions in the market

LookingAhead to2026:Growing withClarityand Confidence

As we step into 2026, many small business owners are carrying a familiar mix of pride, pressure, and possibility The past year required resilience: navigating rising costs, shifting customer expectations, and an increasingly complex business environment, all while continuing to show up for their customers every day

Despite all those challenges,small business owners aren’t standing still They’re adapting As we look ahead to the new year, I believe 2026 will continue to be a year of transformation for Canadian entrepreneurs, a year in which they’ll need to apply focus in order to move the needle on the things that matter the most.

Growth today doesn’t always mean getting bigger Often, it means getting clearer on your finances, on which customers and services drive the most value, and on where your time is best spent That clarity helps create confidence and forward momentum in decision-making.

We’re also seeing a mindset shift around technology. The question is no longer “what else should I add?” but “what can I simplify?” The businesses that will thrive in 2026 are the ones that reduce friction, replace manual work with smarter systems, and free themselves to focus on serving customers in order to build sustainable momentum

In my role, I have the privilege of spending time with small business owners in the FreshBooks community Being an entrepreneur can be a lonely journey, and for many of them,the most meaningful progress comes from connecting and learning from others Meeting peers who are navigating similar challenges, engaging in local business communities, and engaging in conversations across industries can unlock insights they wouldn’t find in a dashboard Those shared experiences often remind business owners that they’re not building alone

My message as we enter the new year is this: You don’t need to have everything figured out Progress comes from focus from choosing simplicity over noise and surrounding yourself with people, tools, and partners that help you move forward with confidence.

At FreshBooks, we remain committed to building alongside the small business community and advocating for what owners need I am inspired by Canada’s Small Business owners from coast to coast, we ’ re rooting for your continued success!

FayePang

ChiefGrowthOfficer,FreshBooks

Faye is the Chief Growth Officer at FreshBooks, a small business platform designed to simplify the financial complexity of running a business. Prior to FreshBooks, Faye has spent her career building brands and businesses in both consumer packaged goods and technology Outside of FreshBooks, Faye is a limited partner at the Women’s Equity Lab, a fund that focuses on early-stage Canadian startups with female founders and CEOs.

AgenticCommerce:TheNext FrontierforSMBPayments

HowCanadianbusinessescanembraceintelligent, fasterwaystopayandgetpaidin2026

As we enter 2026, small and medium businesses face a pivotal moment in how money moves The old model manual invoicing, delayed payouts, and rigid settlement cycles is giving way to agentic commerce, where intelligent systems act on behalf of businesses and customers to make transactions faster, smarter, and more secure

What does this mean for you? Imagine automated invoicing that selects the most efficient payment rail, or payout systems that anticipate contractor needs and trigger real-time transfers These capabilities aren’t distant they’re emerging now, powered by two key enablers: realtime payouts for the creator economy and stablecoin-backed settlement for cross-border speed

Creators, freelancers, influencers, and independent professionals are now a major part of the SMB ecosystem. They expect immediacy and transparency in payments Meeting those expectations strengthens relationships and reduces friction At the same time, stablecoins are entering the payments infrastructure, helping global networks shorten settlement windows and improve liquidity While consumer facing use may take time, these behind-the-scenes changes signal a future where cash flow is more predictable and international transactions more seamless

How can SMBs prepare?

Digitizeandautomate:Move beyond manual processes Adopt platforms that support real-time payments and integrate compliance checks.

2026 isn’t just another year; it’s a turning point. Equip your business to thrive in a world where money moves faster, smarter, and with purpose.

Offerchoiceandspeed:Enable instant payout options for contractors and flexible payment methods for customers

Stayinformed:On emerging payment and operational solutions that will help improve workflow and efficiencies to your business and Canada’s upcoming real-time rails These innovations will shape treasury and cash flow strategies

Discoverwhat’spossibleforyourbusiness:Access a wealth of free resources designed to help you stay ahead guides, expert tips, and practical solutions to meet evolving customer expectations and drive digital transformation though the Visa Small Business Hub Explore tools that make growth easier and innovation achievable, all in one place

The common thread is agility By embracing these trends thoughtfully, SMBs can turn payment complexity into a growth lever freeing time, improving liquidity, and creating experiences that feel effortless for customers and partners alike

Sam Fuda is Vice President of Commercial and Money Movement Solutions at Visa Canada In this role, Sam is responsible for Visa’s strategy and market engagement relating to global money movement, including business payments, real-time payments and open banking Based in Toronto, he is a key member of Visa’s Canadian Leadership Team and North American Commercial & Money Movement Leadership teams.

DigitalTransformation, BeyondTechnology: AMindsetShift

Small and Medium Enterprises are the driving force behind Canada’s economy, accounting for nearly half of the GDP With small businesses alone responsible for more than 35% of private-sector GDP and Small and Medium Enterprises collectively contributing up to 55% of total GDP, their impact is both broad and deep

Their ability to embrace digital tools will shape not only their future but Canada’s economic strength in the years ahead The numbers tell a clear story: 94% of small businesses rank technology investment as a top priority, and those that have taken the leap report up to 20% higher efficiency and 15% stronger customer satisfaction. Yet only 46% have a full digital strategy in place. The gap between ambition and execution is where the real opportunity lies

Digital transformation goes beyond adopting new technologies; it’s about reimagining how businesses create value From automating workflows and leveraging data analytics to deploying e-commerce platforms and AI-driven customer support, digital tools enable small businesses to streamline operations, personalize experiences and unlock new revenue streams The possibilities are endless As a judge for the CanadianSME Awards and Purolator’s True North Small Business Grant, I’ve had the privilege of witnessing remarkable success stories firsthand Small businesses embracing e-commerce, service providers using AI to personalize customer experiences, and manufacturers streamlining operations with automation tools These transformations prove one thing: digital adoption isn’t optional; it’s the engine for growth

As Canadian small businesses digitize, logistics becomes a critical pillar of success. Purolator is a trusted Canadian brand with over 65 years of experience and offers shipping solutions tailored for small businesses navigating this transformation Purolator provides nationwide coverage across 100% of postal codes and next-day delivery, ensuring small businesses can meet rising customer expectations Purolator also simplifies returns, integrates with online platforms, and offers dedicated support for small businesses, making it easier for them to scale confidently

Digital transformation is no longer about keeping pace; it’s about setting the pace For Canadian small businesses, embracing digital tools today and partnering with reliable enablers means unlocking agility, growth, and relevance in an increasingly competitive marketplace Here’s to a year of fresh opportunities and continued success!

Parveen brings over a decade of experience working in B2B and B2C With a background in product management, strategy, and marketing, she brings a unique blend of creativity and business savvy to her work, paired with a passion for small businesses Growing up in a family of small business owners, Parveen understands on a personal level the heart, hard work, and creativity that comes with running a small business She is a proud supporter of small businesses and believes in their power to drive innovation and turn dreams into reality.

LeadingThroughUncertainty: TheThreeCsfor2026

We're entering the new year with just as much uncertainty as we lef behind in 2025 I cannot help but admire the dedication and perseverance of Canada’s small business owners through it all Run a business in today’s uncertain environment is surely not easy and Canadian business owners continue to choose progress, building stronger teams and more resilient workplaces every day

One thing that I have continuously heard from business owners acro all provinces, is that you are wearing more hats than ever before, fr managing rising costs, navigating evolving regulations, and trying to attract and retain the right people while still serving your customers communities!

As you plan for the year ahead, I encourage you to focus on three principles that consistently help businesses stay strong through cha Culture, Coaching, and Collaboration

Culture is created in the everyday moments How challenges are handled, how wins are recognized, and how people are treated whe things do not go as planned A healthy workplace culture builds trust, improves retention, and helps teams stay engaged even during these uncertain times

ChiefExecutiveOfficer,

Coaching by taking a genuine interest in your people’s success In small businesses especially, leadership is very hands-on By coaching through listening, guiding, and developing your team, you build confidence and capability across your organization, which in turn, enhances performance and helps create future leaders who grow alongside your business

Collaboration is essential in a landscape that is constantly changing No business owner should feel they have to figure everything out alone Collaborating with your team, peers, and trusted partners allows you to share knowledge, reduce risk, and make more informed decisions, especially when it comes to people management and compliance

The year ahead will bring new challenges, but it will also bring opportunity By staying grounded in culture, investing in coaching, and embracing collaboration, you can build a business that is resilient, compliant, and positioned for long-term success And Peninsula Canada will be by your side through it all Supporting all your compliance needs with timely updates, documentation, advice, software, and when needed, legal assistance

On behalf of our entire team, thank you for everything you do to support your employees and communities. We wish you a confident, productive, and successful year ahead.

Raj has a background in IT, procurement, financial planning, business intelligence and growth He spent two years in Canada setting up Peninsula operations there, was CEO at Peninsula Ireland for two years and now heads up our Canada operations as CEO at Peninsula Canada and BrightHR Canada.

His strategic acumen, commitment to excellence, and unwavering dedication have been instrumental in helping the business grow. Raj is known for his collaborative leadership style and for fostering a culture of innovation and inclusivity

He is extremely passionate about technology, highly experienced with all types of business analysis and able to offer expert commentary on business growth and data trends

SMALLBUSINESS SHOW2026

The Future of Growth is Now