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.

Where to Find Bespoke ‘Travel and Tour’ Services Online

When it comes to planning your perfect getaway, is it really possible to find a truly personalised holiday package – a travel itinerary that’s been especially curated according to your needs and preferences? Luckily for keen jetsetters and tourists, the answer is a resounding yes.Bespoke holiday providers can be found online by doing a little digging and performing some basic research. This may involve combing customer review sites to find the most reputable service providers, as well as comparing quotations from competing travel agencies. You may also know somebody that can recommend a good company to use.Bear in mind that the best travel and tour providers tend to be located near to where you’re staying. This way, not only will they be able to impart valuable information about the local area, they will also be on hand to help should any problems arise during your visit. Some even provide management staff to help with your daily duties and security.With that in mind, the first thing to consider is what kind of holiday experience you’re looking to have. Are you travelling alone, or with your family or friends, for example? Do you have a romantic city break in mind, or a fun-filled fortnight of activities for the kids to enjoy, with poolside relaxation during the evenings?You will also need to have an idea about to location you wish to visit, as this will help you narrow down your travel company options. Some franchises will specialise in Sandals resort holidays, for example, whereas others may provide travel to the world’s most remote islands, capital cities or beaches – this may require a little research.If you’re open to suggestions about your holiday destination, it’s worth sitting down with an adviser, as they will be able to use their skill and contracts to find you the best deals and a number of location options. This often works out well for those jetting off at the last minute, as there will be an abundance of discounted flight and hotel options available.Once you’ve decided where you want to go, narrow down your online search options according to the dates you wish to fly and the type of accommodation you’re looking for. If you’re travelling with a large party, you may consider renting a private villa for the week, which can generally accommodate up to 27 people (though smaller villas can be found).If you’re planning a more low-key holiday, you may still wish to look at renting privately. This will allow you to enjoy more space and make use of your own facilities. Options may include villas, condos, holiday homes and apartments. Make contact with an agency in the local area and ask them to find you something that suits your budget.If you’re hoping to learn a little about the local culture, it’s a good idea to look into the ‘travel and tour’ options provided by the company you choose. If you have specific places in mind that you would like to see, it’s worth contacting the company to discuss your requirements in detail so they can come up with a personalised itinerary for you.The holiday company you choose should be able to assist you with every detail of the booking process – from organising the most convenient and cost-effective flights, to planning activities for you when you arrive. They may also be able to recommend local restaurants, cultural sites and places to visit, along with a range of other services.Wherever you choose to visit, make sure the company you book your holiday with offers 100% financial protection and are members of the ABTA.

Skin Care Advice – What Can You Believe?

Skin care advice is worth its weight in gold when it directs the consumer to all natural skin care products. Healthy and glowing skin can be achieved by using natural skin care products and organic face care products, rather than ones containing synthetic ingredients. Take the time to verify skin care advice to make sure it is based on fact, and not hype.Organic face care moisturizers, lotions, and serums are becoming more and more visible on the shelves of department and drug stores throughout the country. Consumers are more educated about skin care and are more interested in the ingredients of their products than in previous years. The organic face care and skin care industry in general has responded to the consumer demand for more healthful products by offering a wide range of products that will fit almost every budget.There is a lot of hype out there concerning all natural skin care products. So, what skin care advice can you actually believe? When it comes to trusting what you hear and read, the thing to remember is to conduct your own research. Every consumer should be educated about the ingredients that are healthy for the skin. Read the labels on your skin care products to make certain they contain natural ingredients, before purchasing them.With that said, what ingredients should your skin care products contain? Organic face care products and other skin care products such as lotions, serums, cosmetics, anti-wrinkle creams, and shampoos, should contain only holistic and non-synthetic ingredients. When you apply lotion or any other skin care product to your skin, roughly 60% of the ingredients contained in that product will be absorbed through your skin and into your bloodstream. It makes perfect sense then, that the ingredients should be natural and therefore not harmful to our bodies.Keep in mind that skin care advice will come at you from every direction in the form of marketing campaigns. Be educated about your skin care and you’ll be prepared to choose your organic face care and skin care products with the best ingredients.Vitamin E is a powerful antioxidant and will help your skin to battle the aging process. Vitamin E is effective in reducing the look of fine lines; laugh lines, and wrinkles on your skin. This vital ingredient defies the free radicals in the air by protecting your skin and giving the skin a healthy glow.Jojoba oil is another holistic ingredient contained in all natural skin care products, as well as organic face care products. It is essentially a vegetable oil, but its very make up mimics the naturally occurring oil in the skin called sebum, making it an excellent moisturizer for the skin. Skin that is kept moisturized will naturally appear younger and healthier.Many women show their age in and around the eye area. Organic face care products that contain grapeseed oil are a good choice. Research has revealed that grapeseed oil has a healing effect on the skin around the eyes, reducing the appearance of wrinkles and fine lines effectively.So there you have it. Just keep in mind that skin care advice is worth listening to if it directs you to all natural and organic skin care. These are the products that will have holistic and healthy ingredients that will provide results that will impress you.