Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.

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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Understanding Pharmacy Technician Job Description – Is It Right for You?

For those looking for an interesting profession in the medical services field, becoming a pharmacy technician or ‘PT’ can be a great option for the right person.It is a detail-oriented job in a growing industry, so there are many opportunities available all the time and estimations are that job availabilities will continue to increase over the next few years.Before deciding that becoming a PT is the job for you though, it is important to have a good understanding of the pharmacy technician job description in order to decide if this is the type of work desired.With a good knowledge of what this profession requires in regard to jobs performed, interested students should be able to enroll in school or training in confidence that this is what they want to do afterward.Pharmacy Technician Job DescriptionAlthough there are numerous setting where PTs can work such as hospitals, retail pharmacies, outpatient and inpatient centers and more – all of which will have some specific duties – their main job is to provide assistance to the registered pharmacy on duty. Most of the time this includes tasks such as:- Receiving prescriptions to be filled, either from retail customers or from hospital staff, for their departments;
- Counting, packaging and labeling prescriptions;
- Dispensing medications to customers in retail environments;
- Dispensing medications to patients and/or nursing staff in hospital environment;
- Accept payment for prescriptions;
- Overseeing medication inventory;
- Keeping medication inventory records;
- Ordering and stocking medications;These duties usually make up the bulk of what a pharmacy technician does, although in retail PTs usually handle other retail duties as well, such as general stocking and straightening, customer assistance throughout the store, and even discussing with customers the use of their medications.In specialty settings like compounding pharmacies, duties would likely include assisting in mixing medication formulas like ointments, syrups and other medicines that are sometimes specially prepared, then shipped to retail locations, or to patients themselves.Working at a compounding pharmacy especially requires the hand of a skilled technician who is very detailed, since this involves understanding medication dosages and mixing prescription strengths.Then, there are also positions at companies that manufacture medicines where job duties include things like quality control and packing and shipping medicines to hospitals, retail stores and other pharmacies that sell medications.Differences in Pharmacy Technician RolesAlthough many times a “pharmacy technician” job will get lumped under that one title, there are actually different classes of PT. There are positions where the technician works very closely with the licensed pharmacist and can do more detailed and technical jobs like compounding and delivery of medications to hospital patients or staffs, and then there are positions where the technician mostly sells already-prepared prescriptions to customers, and other more routine tasks.In some places such as the US, these positions are not always recognized as being different, but based on schooling and certification, they can be very different. A schooled PT holds the title of Certified Pharmacy Technician (CPhT) and usually qualifies to apply for more technical jobs in the field.Those without their CPhT many times will only be considered for the less-qualified, retail positions. In the UK and some other countries, there are specific job titles that mark the differentiation:PTs are those who have fulfilled the higher schooling and job experience requirements while Pharmacy Dispensers are those who are qualified for mostly selling medications to patients in a more retail setting. Technicians are able to give medication advice to customers as well while Dispensers are not.Salary Differences Depending on Pharmacy Technician Job DescriptionBased on the differences in pharmacy technician roles, there are generally differences in salary as well.The less skilled positions – while they can still command a respectable salary that is considered at least average by most healthcare professions on this level – earn between 25 and 50 percent less than the skilled, certified pharmacy technicians, with salaries that can reach as high as the upper $50,000 per year or more.This is something that potential pharmacy technicians should definitely consider when trying to decide on which schooling to take.With this look at what a current pharmacy technician job description entails, it is hopefully easy to see that while the bulk of job duties any pharmacy technician should expect to perform are similar, there are some definite differences.Based on job experience, schooling and position held, some pharmacy technicians will perform more exact tasks, so their need to take their position very seriously is paramount.Also, depending on the job, amount of time spent working with the public directly will vary. Understanding all of this can be a good aid in deciding which type of schooling to enroll in, and what type of professional position is favored.