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 to Start an Online Business Step by Step

To start an online business is not an easy task to perform. There are so many things to prioritize in its whole process to make sure that it will bring great results in the end. It needs to be provided with a sufficient and excellent set of investments to make sure that it will be very exciting and really satisfying. But always remember the fact that money is not enough to provide a business with an amazing startup.1. How to Write and Sell your own eBooksAn online business must always be supported with several eBooks that are containing unique contents and useful information for the consumers. Such items can help a businessman to enhance the reputation of an online business more effectively. The best way to write an eBook is to rely on excellent references and to ask for the assistance of a reliable SEO company. Selling eBooks will become much easier to accomplish when conducted in a trusted online store like Amazon.2. Promoting the Business with Social Media Such As Facebook, TwitterA business will never be so popular in the market and trustworthy for consumers if it was not provided with a set of high quality advertisements that are showcasing its set of products and services. Businessmen should always try their best to advertise their businesses more effectively to achieve increased traffic and revenue. One of the most convenient and effective ways to do that is to utilize the power of social media. Create interesting sales pages and fan pages in social networking sites like Facebook and Twitter to promote a business more effectively without spending a lot of money.3. Part-time or Full-time Online Income StreamOne of the most effective ways to fund a business as the time passes by is to rely on the advantages of part-time and full-time online income streams. It’s easy to create a set of special accounts for these online income streams. Such things can really help businessmen to allocate their reserved financial assets more efficiently on the daily needs of their businesses.4. How to Sell eBooks on Your Own WordPress WebsiteAll types of WordPress Websites can be used by businessmen to sell their unique eBooks online without spending a lot of effort. But what is the most effective way to perform this process while aiming to gain higher rate of income? Well, the best answer to that question is to add a PayPal account in a very responsive WordPress website which has an excellent amount of traffic every day.5. Guide To Selling eBooks on Google, eBay and FiverrGoogle, eBay and Fiverr are examples of the most reliable search engines in the internet nowadays. The most effective way to sell eBooks on the stated search engines is to rely on the performance and features of the dependable online stores and sales pages that are available in its search results pages. Mastery of the idea of online marketing and creating several accounts in search engines are included in the list of best strategies that businessmen can use to sell eBooks faster in Google, eBay and Fiverr.6. ClickBank Success GuideClickBank success starts with the process of mastering the uses and advantages of ClickBank in online marketing as an affiliate. It becomes more useful in the process of promoting a business when used to prove to online consumers that the online payment process for the products of a business is totally safe and secured at all times.7. How to Success in Internet MarketingSuccess will never be impossible to achieve in the field of internet marketing if a businessman has a very responsive website to use in the promotion of an online business. A responsive website can provide an online business with a very high rate of traffic every day which can be converted into a huge number of real buyers through a perfect traffic conversion process.

US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%

US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent

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US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.

Source: Comex

Nasdaq Top Gainers and Losers

Source: Nasdaq

Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.