Just a followup with my data point, I got approved for this with a very real and established but very small (unincorporated) business.

App is pretty self-explanatory and I was straight up about everything with the modest revenue which forms just under 10% of household income. I was fully prepared for them to say no, but they gave me the thumbs up after sending me a letter asking me to call in with some more details.

20K and FYF sounds pretty good to me... at first glance it looks like the card has the same benefits as the regular CIBC Aerogold, so I'm not sure why the $180 fee.