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.

Is Patrick Holford Really A Nutrition Expert?

Who is Patrick Holford?He is a popular nutrition expert. He is British and is best known for his numerous nutrition books, with The Optimum Nutrition Bible being his most well-known book.He is also well-known for creating the Insitute of Optimum Nutrition, from which he retired in 1998.Is he a nutrition expert?Patrick Holford originally obtained a degree in experimental psychology. He was particularly interested in the development of mental health issues. He became aware of Dr Pfeiffer and Dr Hoffer, both of whom claimed to successfully treat various mental health issues using nutritional therapy.This sparked an interest in nutritional therapy within him, and a few years after his graduation, he founded the Institute of Optimum Nutrition. Here, he researched nutritional approaches to assisting depression, schizophrenia, ADHD and eating disorders.The Institute of Optimum Nutrition grew and began offering training events and even qualifications for other people to study there and qualify as nutritional therapists. The ION is now one of the most well-respected membership organisations for nutritional therapists and produces regular magazines for practitioners and the public.Food For The Brain FoundationPatrick Holford has maintained his strong interest in mental health issues and the combination of these issues with nutritional therapy.He is the Chief Executive Officer of the Food For The Brain Foundation, which promotes the use of nutritional therapy to support mental health.British Association for Nutritional Therapy (BANT)He is a Fellow of the British Association for Nutritional Therapy (BANT). This organisation is a membership and regulatory body for nutritional therapists.CriticismLike any practitioner at the edge of developing new and often controversial ideas, he has share of critics.His philosophy can be boiled down to the idea that, through optimum nutrition, we are more able to deal with the problems and challenges our body may face.While this may be a philosophy that is criticised by some people, it is neither an unusual nor new idea. Indeed, if we glance through a history book from any world civilization, we will quickly stumble across an old belief that a particular herb or plant was beneficial for health.Books by Patrick HolfordHe is the author or co-author of over 30 books, including the very popular titles below:The Optimum Nutrition Bible
Optimum Nutrition for the Mind
Optimum Nutrition for Your Child
100% Health
Say No To Diabetes
500 Health and Nutrition Questions AnsweredHere is a full list of all books by Patrick Holford.

Social Media Marketing – Explosive Growth Means New Opportunities For Business

By now you’ve heard about the potential of social media marketing. This article has the numbers to prove how big the opportunities are.If your business operates in Toronto, you’ll want to pay close attention. A study in 2007 showed that this city had more Facebook members than any other North American city, with 13% of Torontonians signed up. With Facebook the most popular social networking site by far, it offers a captive audience too important for your Toronto business to ignore.Social Media – Exponential Growth Around the WorldNeilsen – the same company that determines the ratings of your favourite TV shows – has an online division that tracks Internet behaviour. Here are some of the findings from their most recent report. Released in March, 2009, the report summarizes global Internet activity from December, 2007 to December, 2008. Here’s what they found:o Visits to “member communities”, i.e. social networking sites, surpassed email in terms of Internet popularity. Using the measure of time on site, the Neilsen study shows that member communities have a global active reach of 66.8%, compared to 65.1% for email. In other words, two-thirds of global Internet users belong to a social networking site.o The study also notes that people are spending more time on social networking sites. In prior studies, the numbers showed that one of every 15 minutes online was spent on a social networking site. That number is now one in every 11 minutes. In the UK, it is one in every six minutes, and in Brazil, it is one in every 4 minutes.o The Neilsen report also shows the changing demographics of social networking, primarily on Facebook. The largest growth by age group was in the 35-49 demographic, which saw 24.1 million people join Facebook in the year of the study.These numbers make clear how valuable social media marketing has become. What’s more, another study from eMarketer shows that advertising-spending growth on social networks is dropping. The company’s original projection of 32% growth in spending was downgraded in March, 2009 to about half that – 17%. The drop indicates that companies are not interested in buying advertising on social networking sites but, rather, in building their own communities to attract attention and customers.Where to Start with Your Own Social Media Marketing PlanThere are many social media sites around, but the biggest one is (no surprise) Facebook. In 2008, the site saw an increase of 566% in time spent on the site, with an incredible total of 20.5 billion minutes logged over the course of the year.The Neilsen study shows Facebook’s dominance over one-time leader MySpace. Facebook had a change in active reach of 168% between 2007 and 2008, while MySpace’s active reach was -3%. Another site with an impressive increase in reach was LinkedIn, with 137% growth.If you are looking for a place to start, Facebook and LinkedIn are probably your best bet. Keep in mind that, as with any form of marketing, it is best to have a clear strategy for social media marketing. With the right planning and the right approach, you’ll be able to maximize the marketing potential of social media sites.
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