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.

How Affordable Are Designer Mens Clothes

Designer mens clothes have gained more and more popularity over the last few years. Mens clothes are no longer just plain and uninteresting as they had been before. They come in a wider variety of colours and styles which make them more appealing. Shirts, jackets, suits and many other clothes worn by men can now be seen on runways on male models just as is the case with clothes worn by women. Many men have been keeping away from designer clothes for fear that they cannot afford them but this has since changed for the better.Designer clothes for men are more affordable now for very many reasons.First is the fact that there are many designers now than there were in earlier years. Just like in any industry, the existence of many dealers results in greater competition. A lot of competition leads to reduction in prices in order to increase sales. Many fashion designers now have stores in which they target the average earning population. In these stores they have reduced prices and this boosts their sales in the long run.When looking for designer mens clothes you must be aware of the fact that certain clothes are meant to be worn at certain functions or places. You do not want to attend an office meeting in casual clothes such as a t-shirt and jeans. If you are not sure what to buy or how to pair up your clothes, you can enlist the services of a stylist or just ask for help at the store when you go in to buy the clothes. It is not a bad idea to be a little more adventurous in your choice of clothes and the colours you prefer but be sure that whatever you buy makes you feel comfortable yet still unique.Clothes can either make or break you. Designer mens clothes have the ability to greatly boost your self-esteem levels and leave you feeling very confident. This can work very well for you especially if you have an important meeting where you have to be on top of your game or if you are meeting a girl out on a date and you would like to impress her. Just the knowledge that you are well groomed will increase your confidence levels. You must be careful though not to buy fake designer clothes. There are always replicas out on the market and they are never as good as the real deal. To prevent this from happening, always try to purchase mens designer clothes from the designer shops.

Plan Your Marketing And Advertising Strategies Today For Optimum Business Enhancement

Advertising and Marketing strategies have become an integral part of a business promotional plan. These are powerful tools for attracting new clients and thus it enhances the business of the companies. These days you find hoards of marketing and advertising agencies taking care of the promotions and branding of the clients belonging to various sectors. Earlier this function was completely handled by a separate department meant for Marketing and now this function has been outsourced to these Marketing-Advertising agencies. One can hire these firms for promoting the company brand, its products and services in a planned and systematic manner. They use the latest advertising and marketing tools like online advertising, Newspaper display advertising, Search Engine Optimization and Pay per Click Advertising and Management.These companies also use the social media for marketing and promotions on the social media sites like Facebook, Twitter, LinkedIn etc and gain the attention of the website traffic. This method stresses on attractive advertising contents for grabbing the attention of the target audience on the social network. This corporate message spreads from a trusted third party through word of mouth and not from the company directly. This form of advertising depends on word of mouth completely. This is easily accessible through the internet and this helps in promotion of the brand name and enhanced customer care service.The Online Advertising is an effective method of gaining attention of the targeted audience. Online advertising has a global reach and has become one of the most popular ways of reaching out to the potential clients. It is also called internet advertising, which includes email marketing, search engine marketing, social media marketing, many types of display advertising and mobile advertising. These companies display these ads along with the editorials, so that the client’s attention is grabbed at the right time and mood.Print Advertising is one of the oldest and reliable tools of Advertising which has wide reach and impact. The ads are published just next to the editorials and are generally for larger budget clients. Contrary to the belief the print advertisement is still way ahead of the new age media of Internet advertising and SEO. Search Engine Optimization stresses on the perfect density of keywords in content, which is displayed on the website. This helps the website to acquire more visibility in the search engines and also improves the ranking of the website, which increases the probability of being viewed by the intended audience.All these tools are perfectly blended together to form a marketing and advertising mix, which is a kind of strategy to reach out the intended audience at the right time for optimum impact. These companies chalk out the whole marketing and advertising plan for the company keeping in mind their specifications and then implement it through these tools of advertising and marketing. You will find experienced professionals in these firms who have years of experience of handling diverse marketing and advertising campaigns with excellent results for the clients. This will surely assist you in gaining fresh business leads and earn you more profits, so why don’t you contact such an organisation and get your marketing-advertising plan straight.