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.

Can You Travel And Make Money At The Same Time?

Here’s the story of why I chose Global Resorts Network over Coastal Vacations and many others out there.I have had interesting careers throughout my life, but got burned out by the 9 to 5 grind and difficult bosses. I also had run my own businesses before with a modicum of success. I am good at what I do, and never had trouble selling my product in the marketplace. Then along came the internet and online marketing and I was up against a whole new set of industry standards.A couple of years ago I decided I wanted out of the rat race and looked for something I could work at from home. Seeing as I am looking to enjoy myself AND make money, I thought I’d pick something lucrative and FUN. My first thoughts were the travel industry, because it happens to be a 7 billion dollar a year industry, and people are spending more time for their leisure. We are working harder, but we are also playing harder.I jumped in with the first thing that came along which was Coastal Vacations. I found out there was nowhere to turn to get simple questions answered and the package was a nightmare. It arrived in a hundred and one loose pieces with no instructions in a terribly outdated 15 year old vinyl binder. Then I tried booking a vacation and wasn’t prepared to jump through all the hoops I had to… just to stay in a two star hotel for the weekend. I was wondering how people were making money with such an out-dated and confusing package. Most of them weren’t. I felt thankful I had not even TRIED to bring in any sales reps under me.I started looking around again. And there’s a lot more travel companies out there but I suggest you hold on to your money. Most people fall prey to a savvy individual in their upline making good money. They’ve been in it for years and know all the tricks. They are usually the loudest too. They’ll encourage you to take their expensive trainings and buy into their latest business to help you with the one you just bought into. Before long, you have put out thousands of dollars without any sales or hope of making it in the travel business.I was so fed up I started looking into a new travel business. I wanted one that DELIVERED, one that was simple and one that had a good reputation. I didn’t want to handle customer complaints. I wanted something modern and all inclusive. And I found Global Resorts Network, which is an affiliate of a very successful European travel membership. I joined with the top team who does most of the companies marketing. We have telephone meetings every week with a strong support team. The membership gives you a password to get into a worldwide internet booking service that rivals Expedia, Travelocity and Hotels.com and has a 24/7 call center.So, why wait any longer? Our membership and pay plan is the best and you can relax that you are working with the right company at the right time with the right sales team. Call me or check out my website today. Live your dream as I am. Travel when you want and make the money you need.

Online E-Commerce Websites – A Great Way to Make Money and Pad Your Resume With Work Experience

The worst thing about either being unemployed or without work experience, is trying to explain things to a prospective employer.Well I found the answer and its something that will cost you little to invest and will probably make you some money in the meantime. What I’m talking about is starting e-commerce websites which you can do without really any technical experience and relatively little money spent. I wish the Internet was around when I got out of school!Once you have any kind of presentable e-commerce website running, you can cover your butt and make yourself look good when accounting for time when you were unemployed or even never had a job in the first place by stating to your prospective employer that you owned and operated your own e-commerce business and show him the actual site(s). There is no way your prospective employer will be able to know how much you made with your e-commerce business and the chances are he will overestimate your revenue ten fold. It’s actually fun owning an E-Commerce website and you’ll learn things later later on through trial and error that you can apply to future jobs. You can actually develop good writing and business skills as its like operating your own business with hardly any investment!Here’s the easiest step by step method of owning an E-Commerce Store that I know of that I do myself:1. Decide on a specific product you want to sell.2. Come up with several Domain Names, as close as you can to the products name.3. Go to a Domain registration site and see if the domain name is available. I would recommend using a .COM domain and failing that a .Net or .Org. Almost all one word domain names are going to be taken so I would try to use the shortest three word domain name or possibly two if it was available. You may need to put a “Store” or My” with a 2 word combination to get an available domain name. Once you settle on a Domain name you need to register it, which will cost you roughly $8-$12 a year. Again try to get the shortest possible name that emphasizes the product you are selling.4. The easiest way I know to launch an E-Commerce site is through a program called “The Easy Store” of which I am a customer. This program is put out and installed by Zeus software and you basically don’t have to do much at all as they do almost everything. What Zeus does is put out an E-Commerce Website that sells all Amazon products and which Amazon is responsible for everything and you make a 4-6% commission for each sale from Amazon. Thus you are investing nothing on inventory, don’t process the order and aren’t collecting the money. Amazon does all that. Amazon then pays you for each item sold through your site. The Easy Store provides you with free web hosting for a year under one of their plans. Basically, if you sign up with the Easy Store, they will do all the entry work for you and walk you through things and give technical advice. You can contact them by phone if you have any technical matters. The Easy Store is not very expensive- note I do not have any financial interest in the company and I’m recommending it strictly as a customer who receives no benefit for recommending it. You do have to become an Amazon Associate which is free and takes less then a day to register. Listed below are two of my Easy Stores for example.5. Essentially the only thing you need to do is to come up with good Keyword descriptions that will come up high in search engines like Google which will draw a lot of your traffic for potential customers. You will also need to submit your domains to search Engines.6. The most important thing in an E-Commerce Store is that it looks professional. For another $80 or so, The Easy Store will custom design a logo for you. My Easy Stores which you can find below feature their custom logos.7. I would also join Google’s AdSense program which The Easy Store will put on your site for free once you register for AdSense. AdSense pays you a variable amount of money for each Google Ad on your site that gets clicked. Registration for AdSense is free. Do not click any ads yourself and do not have friends and family click, because if Google finds out, you will be banned from AdSense.8. Another way to get traffic to your website, is to write blogs and have them published online by different sites as well as your own.Keep in mind you won’t get rich quick and the rarer a product is, in all likely hood you’ll get more customers because there are many E-Commerce sites selling the same niche product. I can’t think of a better and cheaper method for gaining work experience for a future employer and making money at the same time.
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