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The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.

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.

However the last few decades witnessed a complete change in the nature of functioning of the financial market. An array of new products was introduced by both financial institutes and banks that simply lured the many investors to invest in them because of the numerous advantages that each product offered. Be it life insurance policies, Exchange Traded Funds infrastructure bonds, fixed deposits, mutual funds etc each product or scheme is unique and meets the needs of either your long term or short term goals.Below is a list of the different investment options offered in India.Bank Fixed Deposits, [Term Deposit]Bank fixed deposits are one of the most popular investment options in India. This type of investment is one of the oldest and safest in the country. Usually in the case of a bank Fixed Deposit Scheme a certain amount of money is deposited in a particular bank for a specific duration on which the depositor receives a fixed rate of interest. Fixed deposits are ideal for long term investments. Mostly young people deposit in such schemes till the age of retirement so that they are eligible for a regular income when they need it most. The best thing about this investment option is that it is extremely safe, liquid and also yields high returns.Recurring Bank Deposit Saving SchemeRecurring Bank Deposit Schemes are also another good investment option in India. In order to invest in a Recurring Bank Deposit Saving Scheme you will have to invest a specific sum of money in a bank on a monthly basis. On this investment you will be receiving a fixed rate of interest from the bank every month. These types of investments have a fixed tenure and at the end of the tenure you receive the principle amount plus the interest earned.ETFs (Exchange Traded Fund)Among the latest investment options in the country Exchange Traded Fund or ETFs are known for their high returns yielding nature. Since the product is relatively new people are still a little apprehensive about investing in these types of funds however investing in Exchange Traded Funds are extremely beneficial in the long run.ELSS (Equity Linked Savings Scheme) Over the years Equity Linked Savings Schemes have gained immense popularity in the Indian financial market. Equity Linked Savings Scheme is a mutual fund investment option that invests in stocks and equity related stocks. Most Equity Linked Savings Schemes have a lock in period of three years which only benefits investors from yielding benefits and also getting tax exemptions.Life Insurance PlansInvesting in life insurance policies is one of the major investment options in India. LIC in India has almost synonymous with life insurance for its many life insurance policies. There are different types of life insurance plans like whole-life insurance, joint-life-insurance, pension-life-insurance etc that you can select from. It is believed that life insurance policies are best suited for people with families. The returns yielded from a life insurance policy depending on the type of plan can be used for numerous reasons like child’s education, business expansion or children’s’ marriage. Some of the companies offering life insurance plans include; Life Insurance Corporation of India, Kotak Life Insurance Reliance Life Insurance Company, Tata AIG Life Insurance etc.Post Office SavingsOne of the most important investment options in India is investing in the numerous products introduced by the post office. The many different post offices in India offer a gamut of investment products that meet the needs and requirements of one and all. Even the lower income groups can invest in the many post office schemes. Some of the popular post office savings options include;
Post Office Recurring Deposits
National Savings Scheme [NSS]
Public Provident Funds [PPF ]
Post Office Monthly Income Scheme [Post office MIS ]
National Savings Certificates [NSC ]
Post Office Time Deposits
Kisan Vikas Patra – [KVP ]
Investing in Gold Investing gold is nothing new to India. People in this part of the sub continent have been investing in gold since decades now. Gold is one of the safest investments options and can really prove beneficial in times of economic crisis. Gold can be considered to be a long term investment. Investing in gold can be used for several purposes like your child’s marriage etc. The price of gold from the last few years has been rising continuously even during recession the price seemed to have increased at a rate of 19.30 percent.Mutual FundsMutual Funds are another popular investment option that have gained immense foothold in the Indian financial market over the last few years. ‘You can invest on both short and long term mutual funds. The one thing that is really good about investing in mutual funds is that you can invest small sums at a time. Mutual funds do not necessarily require lump sum investments. Most of the financial companies and banks today offer a diversified portfolio of mutual fund investment products. Investing in mutual funds is also less risky as compared to investing in stocks. This kind of investment option also has the tendency of fetching extremely high returns. However the amount that the investor will get as returns is unpredictable and depends totally on the situation of the market.StocksInvesting in stocks is one of the most beneficial Investment options in India. According to market trends it is seen that investing in equity shares fetch as much as 26.5 percent higher returns in a period of 5 years when compared to fixed deposits of the same tenure. Even when the investment is made for the longer period it still reaps higher returns. Investing in stocks is also a better option as compared to investing in real estate or gold.The Indian financial market is flooded with a host of investment options that not only fetch returns but also save you from paying huge amounts as taxes.