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.

When it Comes to Pregnancy Nutrition – Get the Facts

Planning for the best pregnancy nutrition requires expectant mothers to gather as much information as possible. While your doctor is a great resource for the most important nutrition facts, the library, bookstore, and Internet offer other options for learning how to meet your pregnancy nutrition needs.Understand the Basic Nutrition Facts when Planning Your Pregnancy Whether expecting a baby or not, the most important nutrition facts include the need for a balanced diet, proper hydration, and a mix of vitamins and other concentrated nutrients. Each of these criteria can become especially important where pregnancy nutrition is involved. After all, you want to help your baby grow and develop to its full potential, and eating a healthy diet that includes plenty of whole foods is a wonderful way to give your little one the best start in life.Eating whole foods is a great way to get the pregnancy nutrition that is so vital, but many expectant mothers can also benefit from additional supplements. For example, your body may require extra calcium to help baby’s teeth and bones develop without completely robbing your own body of its resources. The nutrition facts show that by adding supplements with whole food ingredients, you can increase that calcium intake while benefitting from other nutrients at the same time.Eating More of the Right ThingsThe mother-to-be will need to balance her growing need for calories with her continuing need to choose the right kinds of foods. Just because your recommended caloric intake goes up does not mean that these should be empty calories. By following the basic rules of good pregnancy nutrition, you are giving your baby every opportunity possible. This means that instead of simply eating more food, you make a conscious effort to eat more of the right kinds of food.While supplements can certainly be an important part of your pregnancy diet, don’t overlook the basic nutrition facts. For example, fruits and vegetables are an incredible source of the nutrients that both you and your baby need. Fresh produce will have the most impact on your nutritional needs, with frozen fruits and vegetables coming in second. By making produce a part of your pregnancy nutrition routine, you are protecting the health of your child, not to mention taking care of your own dietary requirements.Just as an expectant mother may require a boost in her calcium intake, she should also be sure to get folic acid in her diet. Also referred to as “folate,” this nutrient helps the fetus to develop properly. Whether taking folic acid as a supplement (check the nutrition facts on the label for the amount) or through your regular consumption of whole foods, it is essential for healthy pregnancy nutrition plans.Have a Healthy OutlookIn a weight-obsessed culture, a woman may feel pressure regarding how much weight she should gain during her pregnancy. While you should always consult with your doctor to learn what is the right pregnancy nutrition plan and amount of weight gain for your situation, one way to avoid problems is to adjust your diet to make sure you are eating the healthiest foods available. Get all the nutrition facts you can and determine the best way to move forward.If your pregnancy nutrition plan is full of healthy whole foods and nutrient dense foods, then you are going to be more satisfied and in better shape. As you gain weight, adhering to some basic nutrition facts will help you to be sure that it is for your baby’s benefit, rather than simply from eating empty calories that aren’t good for either of you.

Options for Debt Consolidation With Bad Credit

Think of all the people who enjoyed the days of cheap credit prior to the Great Recession. Credit cards were coming in the mail without you having to even apply. Credit lines of $5,000 would arrive daily. Sometimes they were as high as $10,000. It was near impossible to turn them down. Banks expanded and offered you credit from all over the United States.People were taking out mortgages that they were not qualified for to purchase homes that were more expensive than they were worth. Some people resisted these temptations, maintaining their credit ratings, only to be laid off through no fault of their own. Are you one of the people who know finds themselves crushed under a mountain of debt? Have you done all your research and have decided that you need a consolidation loan to help your bad credit?Consolidation loans for bad debt sounds simple. Pay off multiple high interest debt by securing a consolidation loan. One loan to pay off instead of all the others. Lower interest rates than your once unsolicited credit cards charge.Do you know what services or products exist that you can take advantage of in order to help your bad credit improve? You need to do your homework because there are choices out there. Not all choices are correct for everyone. You need to research the options and find the one that fits you best.A big business has sprung up around debt consolidation. Credit card delinquency is close to 6.5 percent. Prior to the Great Recession, credit card delinquency ran at 3.97 percent. Residential mortgage delinquency has risen from 1.38 percent to 7.91 percent. When new markets open up, especially markets serviced primarily on the internet, scammers come out to prey on the people who are unwary victims.Another industry that is feeding off of the bad debt of others is the payday loan industry. They seem reasonable; after all they offer quick cash for emergencies. However they should never be used to repay other debt. Payday loans can charge you up to 500 percent interest for those 14 days.There are companies that will help you consolidate your debt. But they can charge fees that you will have to pay in advance. Be aware that it is against the law for a company to promise a loan in exchange for an upfront fee. They must give you the loan before assessing the fees. The fees should be deducted from the loan advance.One of the great advantages of an online loan company is that not only can you receive their response within a few hours; you can also get the money at the same time as the approval. It generally will be directly deposited into your designated bank account. This will save you energy, time as well as money. An online loan application is usually simpler than the application you would fill out with a traditional lender.A legitimate lender will never make promises or guarantees of loan application acceptance. They will always go through a loan application process. This is especially true for people who have bad credit.Be wary of identification theft. Never, ever give out personal information to any company without being certain that they are reputable. If you do not do your homework, you could be giving your Social Security number, bank account information, credit card information and other personal information to a scammer.Always do the math when it comes to interest rates. Make sure that any consolidation loan for bad debt you obtain actually has a lower interest rate than the debt you are paying off. Read the loan agreement so you are aware of what conditions will trigger higher payments.
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