Business Capital Solutions In Canada: Accessing Proper Cash Flow & Commercial Financing

Business capital requirements in Canada often boil down to some basic truths the business owner/financial mgr/entrepreneur needs to address when it comes to financing for businesses.

One of those truths? Knowing the true state of their financial condition and what financing they do and don’t qualify for when it comes to meeting commercial lending requirements in Canadian business.

Business Loans In Canada

Whether you are smaller or start-up firm looking for information on how to get a business loan or a larger established firm looking for growth financing or acquisition opportunities we’re highlighting 3 mistakes that commercial loan seekers like your company need to avoid making when addressing, sourcing and negotiating your cash flow / working capital and commercial financing needs.

1. Understand the true condition of your company finances – These are almost always successful addressed when you spend time on your financials and understand how your financial statements reflect your access to commercial loans & business credit in general

2. Ensure you have a plan in place for sales growth and financial needs as it relates to commercial financing

3. Understand that actual hard facts about cash flow which is, of course, the lifeblood of your company

Can you honestly answer or feel positive about all those 3 points. If so, pass Go and collect $ 100.00!

A good way to address your company’s finance plans is to ensure you understand growth finance solutions, as well as how to manage in a downturn – i.e. not growing, losing money, etc; It’s never fun to fund yourself in an economic or industry downturn such as the COVID pandemic of 2020!

When we talk to clients of new or established businesses it seems they are almost always talking about sales, so the ability to understand and focus on the differences in their profits and cash fluctuations is key.

How do cash flow and sales plans and projections affect the type of financing you require? For one thing sales growth usually starts out by consuming your cash, not generating it. A poor finance plan will drag your business down and addressing financing simply gets tougher and tougher.

Three basics always emerge when it comes to your search for the right business capital and financing.

1. The amount of financing you need

2. The type of financing (debt/cash flow/asset monetization) The business loan interest rate will be dramatically affected by whether you choose traditional or alternative financing solutions. Private business loans in Canada come from non regulated commercial finance companies most often known as ‘ alternative lenders ‘. These lenders are typically highly specialized in one ‘ niche ‘ of business financing and may be Canadian firms or branches of U.S. banks and non-bank lenders

3. How the financing is structured to be manageable with your day to day operations

What Finance Company In Canada Can Meet Your Borrowing Needs & Why Is Capital Important In Business

Let’s identify and break down key financings your firm should know about and understand if they are applicable and achievable to your business. They include:

A/R Financing / Factoring / Confidential Receivable Finance

Inventory finance / floor planning / retail inventory

Working Capital term loans

Unsecured cash flow loans

Merchant working capital loans/advances – these loans are geared toward short term cash needs and are typically one year in duration. Loan amounts are typically 15-20% of your annual sales revenues.

Royalty finance

Asset based non bank business lines of credit

Tax credit financing (SR&ED bridge loans)

Equipment Leasing / Sale leasebacks – Equipment financing in Canada is used by almost 80% of all companies looking to acquire new, and used, assets.

Govt Guaranteed Small Business Loan program – Government Loans in Canada are sometimes referred to as ‘ SBL’, aka Note: BDC Finance solutions are available from this Canadian non-bricks and morter crown corporation. A small business loan via the government-guaranteed loan program comes with true flexibility around term loan duration, market rates, no pre payment penalties, and of course the low personal guarantee that is required by borrowers. These two ‘ government ‘ loan solutions are often perfect for financing a new business.

If you’re focused on not making mistakes in your business finance needs and want to capitalize on the solutions your competitors are probably already using seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow and commercial financing needs.

Stan has had a successful career with some of the world’s largest and most successful corporations.

His employers over the last 25 years were, ASHLAND OIL, ( 1977-1980) DIGITAL EQUIPMENT CORPORATION, ( 1980-1990) ) CABLE & WIRELESS PLC,( 1991 -1993) ) AND HEWLETT PACKARD ( 1994-2004 ) In 2004 Stan founded 7 PARK AVENUE FINANCIAL – He is an expert in Canadian Business Financing.

What Exactly Is Digital Marketing?

There are many categories and subcategories of marketing today that you’re bound to get dizzy trying to learn about it all in one shot. Internet marketing, as an idea, is extremely encompassing. Most people only bother to learn a few ins and outs just enough to get them by and to get their sites ranked. Part of Internet marketing is digital marketing, an equally confusing aspect.If you know what this marketing is, then it’s relatively easy to understand. If you don’t know, however, figuring out what qualifies as this can take some getting used to. Odds are you haven’t heard of some of the methods within the digital wheelhouse.In simple and plain English, the broad category of this type of marketing contains search engine optimization (SEO), banner advertising, pay-per-click advertising (PPC), email, RSS, social networking, blogging, advergaming and other Internet-based digital aspects. Basically, the overwhelming majority of Internet marketing qualifies as digital, but there are a few old marketing tactics online that don’t fall in the category.Digital marketing is more of a model when taken as a whole. It’s all about the interaction between the marketer and the customer. This interaction can be personal or impersonal, as long as the digital interaction is taking place. It’s also about targeting specific niche markets and demographics with effective advertising that caters to the customer.One of the most important aspects of digital marketing is the ability to create quantifiable results. What this means, simply, is that the action of marketing should have a measurable reaction of traffic.Any basic marketing technique mastered can easily bring an influx of traffic to a website or blog. Digital marketing techniques are employed by millions on the Internet, from people looking to push businesses to regular folks looking to have their social networking profiles noticed.You don’t have to be seeking a monetary profit to employ digital marketing. It’s basically about using various methods to advertise directly to other Internet users and to drive people to a designated area. Simply sending someone a friend request via MySpace technically qualifies as digital marketing.A couple of digital marketing’s aspects are a little more difficult to get a grasp on. Many people try to use PPC ads to their advantage, only to have their accounts suspended for false clicks, or to have their ads go untouched even on heavily trafficked sites. Mastering the art of the ad is definitely something to seek further advice on.RSS feeds and thorough search engine optimization are also confusing to some lacking the expertise. Many freelancers and specialty companies have emerged in recent years and have become prominent players in the digital marketing field due to their knack for driving traffic and earning high site placement.If you’re looking to operate a successful online business, then you need to understand what digital marketing is, what it’s intended for and how to best use it to your advantage.
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Diet, Nutrition and Healthy Living

Diet and nutrition products have helped countless individuals maintain a healthier lifestyle, by providing essential vitamins and minerals in an otherwise poor diet. Diet and nutrition is important for everyone but it is especially important for runners, or for those who exercise vigorously. If you are dieting, you are ill, or you are regularly eating a fast-food diet, you should be especially concerned about what you and your family are getting as proper diet and nutrition from your food.Nutrition is important for everyone because food gives our bodies the nutrients they need to stay healthy, grow, and work properly. In 2005, the government’s revised Dietary Guidelines for Americans introduced the term “nutrient density,” which sounds complicated but simply refers to how much nutrition a food provides. Nutrient density is especially important when overall nutrition and health is considered.Experts believe these nutritional substances may help prevent heart disease, fight certain cancers, ward off dementia, and even slow certain aging processes. And so if you are like many of us, not quite hitting the entire food pyramid, you might be trying to outwit your body by giving it nutritional supplements to make up for the sins of food-group omissions.Even the results of the best diet supplements are improved by proper nutrition and regular exercise, because when people eat healthy foods and exercise, they feel better, have more energy and are less prone to health problems. Health and nutrition products can help ensure that adequate levels of nutrients provide your body what it needs to stay healthy.Nutritional snacks can be very important to our overall health and nutrition. When you snack, you can fill in nutritional gaps, if you boost your intake of fruits and vegetables. This helps you keep your mood on an even keel, and helps with appetite suppression and weight control. However, snacking can be a bad thing too, and can definitely contribute to weight gain. If you’re searching for a villain in America’s obesity epidemic, most nutritionists tell you to put one picture on the wanted poster: a cold, bubbly glass of soda pop.Good nutrition is one of the ways the body restores itself to health. Restoring and maintaining good nutrition is a key principle in the management of diseases like Irritable Bowel Syndrome. Diet and nutrition concerns of patients with inflammatory bowel disease are extremely common, and appropriate. Because IBS, Crohn’s disease, and ulcerative colitis are diseases of the digestive tract, it is only natural that you will have many questions about diet and nutrition, if you have been diagnosed with one of these disorders. As research continues, we will learn even more about the relationship between nutrition and IBS, Crohn’s disease, and ulcerative colitis, and how to treat and or avoid them altogether.As you can see, good nutritional habits and adequate caloric intake are very important. However, it’s desirable to also maintain intake of at least some dairy products because they represent such a good source of nutrition, particularly calcium and protein, contributing to even more good nutrition. And, good nutrition quite simply equates to good health.In summary, while diet and nutrition may not play a role in causing IBS, and some other digestive diseases, maintaining a well-balanced diet that is rich in nutrients can help you to live a healthier life. As stated earlier, if you are dieting, ill or eating a fast-food diet, you should be concerned about what you and your family are getting as a proper diet and nutrition from your food.Or, maybe you feel as though you are just missing something while trying to sift through all the information out there about diet and nutrition. Either way, it is up to each of us to learn all we can about diet and nutrition, and then to apply that knowledge to our own lives. Good nutrition puts us on the path to good health, and good health is something we all should desire in order to live and be happy.