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.

Your Online Success Depends On Selecting The Right SEO Firm – Remember That!

More than ever before, the need for selecting an amicable and trusted SEO Firm has become immense now. The competition in every field of online marketing has become tougher – thanks to the mushroom growth of websites, crossing one billion already. In this rat-race, how your website can bring forth desired results, unless it is popularized by ethical, meaningful and technology-upgraded Search Engine Optimization efforts?Talking of SEO techniques and tactics, you must understand that these are frequently changing phenomena. In line with the Algorithm Updates (priority of picking and projecting websites by Search Engine crawlers) the SEO tactics have changed vastly, over the recent years. More clearly, the SEO strategies adopted even by a Top SEO Company, believed to be effective till recently have lost their charm – like stuffing of keywords inside the web-content, mindlessly without context.With this changed scenario obtaining, to follow proven and successful SEO strategies that can guarantee top-ranking by popular Search Engine Page Results, you have to be even more careful in entrusting the website promotion project, only to professional SEO Specialists.How to choose the Top SEO Company? Here are important tips:1. Define your SEO requirements clearly:The objective of every website floated online is to meet with success – either highest profit or growth for online businesses or immense popularity for service-oriented sites. This is achieved only according to the aspirations of the site owners. For example, as the owner, you may need to achieve reasonable increase in volume of business in the next 3 months – this may be quantified in percentage. Some other website owner can desire differently and in different volume.If only you are determined of the target in your mind thus, prior to allotting the SEO task to the SEO Services Company, you can measure the success rate after end of this period, once the SEO Services Company finishes its SEO efforts.2. Get a Comprehensive Service provider for SEO: As mentioned earlier, SEO Services of today have become complex. Search Engines stipulate stiffer conditions for ranking a site at the top, as a measure of eliminating substandard sites and preventing them from getting the top-ranks, by illicit methods. The SEO Company you select should be the one that can render comprehensive services, relating to SEO from “A” to “Z”.For example, a result-oriented SEO Company, that has credible track records in SEO tactics should start with complete analysis of your website, including web design, to find out where it stands Search Engine ranking-wise, and suggest to you fruitful corrective methods.In addition, today’s SEO firms are to run that extra-mile, in not only bringing forth huge visitor-traffic to your site, but also prune your website’s content suitably. This pruning will help to provide happy consumer-experience, to convert visitors into buyers, then loyal customers and later on canvassing agents by the usefulness of your website, to their friends.3. Keep your search wider:It is your website that is going to suffer by selecting a so-so SEO firm. Therefore, you have every liberty to widen your dragnet and take free-consultation offered by multiple SEO Companies, to come to an informed decision. Gathering as much details as possible with regard to their services, capabilities, track-records and of course the cost involved will put you in a better standing, in implementing your choice.Check the credentials of the Top SEO Company carefully given from websites of your size, field and industry. If those sites have been promoted into prominence by the SEO Company in question, you can be sure that the SEO Company has the required capabilities to promote your site also very well.4. See only the merit and not size:It is not necessary that the so-called big names of SEO companies can only deliver results. Irrespective of the size, the professionalism of the SEO specialists is all that is going to achieve your objective. So be smart and select your right SEO Company (which must invariably be the Top SEO Company) that can work according to your wishes, aspirations and budget, to be a happy winner of online success.

Nutritional Supplements – A Growing Industry

The nutritional supplement industry has achieved phenomenal growth in the last two decades. In 1994, the DSHEA law was passed. This new framework for the regulation of dietary supplements is better suited for nutraceuticals because it facilitates increased product accessibility for Americans. Since then, the nutritional supplement industry has effectively grown due in a way mutually beneficial to manufacturers and consumers. This phenomenal growth is not only seen in the USA, but all around the world, particularly in Europe.What’s driving the nutritional supplement industry? Let’s take a look at why nutritional supplements are in such popular demand.Worldwide Shift in Focus from Symptom-Relief to Proactive HealthcareNutritional supplements are meeting the health concerns of today forcing a shift in focus. The focus is now on proactive healthcare rather than symptom relief. People want to stay healthy.More people want to take proactive measures for maintaining good health. Most people who take nutritional supplements believe that nutritional supplements will help them to achieve optimal health over longer periods of time.Lifestyle and Environment IssuesBusy lifestyles, a lack of good dietary habits, the strains of daily life and high pollution levels can cause stress to the body. In order to relieve the pressures of life, many people prefer nutritional assistance to improve their situation.Nutritional aids are formulated to help relieve anxiety, antioxidants to help stress at the cellular level, even sleep aids. This type of assistance is preferred since it carries less harmful side effects, is non-addictive, and gently works with the body’s natural functions.Educated PublicEighty percent of illnesses are nutrition-related. Consumer awareness is leading people to make nutritional supplementation their first choice. Nutritional assistance is available to support heart health, eye health, digestive health, and many other health concerns. It is also used in proactive health measures to help prevent some types of health conditions.All of these health benefits have been validated by scientific research which gives them more credibility. A wide amount of research is available to the public through the Internet – credible sources like PubMed and Medline and no doubt such research has given nutritional supplements a dynamic impetus.Inadequacies of Conventional TreatmentsSome conventional treatments have fallen short of consumer expectations. Users of have communicated their preference for less harmful methods of treatment, unless pharmaceuticals are absolutely deemed necessary.The Freedom to Control Your Own HealthcareConsumers are happy to exercise their own healthcare by means of nutritional supplementation. More people are taking responsibility for their own health as seen by the rise in the number of nutritional supplements now available in the market. Using education and their own discretion, consumers are able to administer their own self-care regimen.. There is almost 100% consumer satisfaction leading to a growing insatiable consumer demand for more nutritional supplements!Advancing Research and Variety of ProductsThe demand for more strategic nutritional supplements, targeted for specific demographics and health concerns are driving nutritional supplement manufacturers back to the laboratory for innovative products that can meet consumer demands. Research on nutrition and herbs keeps advancing giving rise to more products. There are now special products for adolescents, working women, men and children. Nutritional supplementation has become a specialized industry and products that cater to specific health needs, in the right packaging, can make the right impression amongst consumers. Products for anti-aging, skin health, cardiovascular health, antioxidants, hair care, continue to be remain popular.Wider Acceptance amongst the Medical ProfessionThere is a wider acceptance of nutritional supplementation amongst the medical profession. More doctors are recommending nutritional supplements to their patients and many of them have begun to endorse products they believe in. More products are developed in collaboration with condition specific experts and nutritional researchers and some are formulated by well-known doctors. Famous athletes and celebrities are endorsing nutritional products and this too has added to the salability and credibility of the nutritional product.The nutritional supplement industry will continue to grow as breakthroughs in research, new manufacturing technologies and innovative products increasingly meet the health needs of today’s consumers.