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Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.

Do Good Collagen Skin Care Treatments Exist?

Are you interested in the best skin care available? If so you need to know about collagen skin care treatments. Collagen is one of the most important proteins in our bodies, and in particular in our skin, and collagen replacement as we age is essential. But most collagen treatments don’t actually resupply our skin’s store of collagen.Collagen is an extremely important protein for our bodies, and our skin, because it is extremely strong and forms fibers, or strands, that help hold us all together. And collagen in our skin helps keep our skin firmer and more elastic, and more supple.Pinch a piece of your skin and pull and let go and it snaps back into place. It’s collagen that supplies that “snap”. Well at least our skin snaps back into place if we’re young, but as we age that “snap” back reduces.Why? Because as we age our skin starts to lose it’s essential supply of collagen, and doesn’t produce as much as it did. Gradually our levels of skin collagen reduce, and that is one of the major causes of our wrinkles, lines, crows feet and sagging skin that we seem to be stricken with as we age.Basically our skin is losing it’s “snap”. It’s losing it’s skin elasticity, and is suffering more and more from the forces of gravity.So the question is, how do we restore our skin’s supply of collagen as we age? Are there collagen skin care treatments that successfully restore our skin’s collagen supplies? Do collagen treatments work?The basic answer is that most collagen skin care products don’t restore our skin supply at all. Traditional collagen skin care treatments found in most anti aging and skin care products revolve around adding it to that bottle of moisturizer or night cream or day cream or whatever cream it is that is promoted as an anti aging cream. Sadly though, there is no evidence that supplying collagen to the skin can result in the skin increasing it’s supply of collagen, because it is not known if skin collagen can even absorb any more.And it is known that collagen molecules are too big to penetrate the skin anyway, so any applied topically to the skin remains on the surface of the skin, unable to penetrate.So why would these skin care and anti aging companies put it in those bottles of skin care products if it really doesn’t actually do anything? Because when people see collagen listed on the label they buy the products, and those collagen skin care products you see on the shelves sell like crazy. So it’s in the bottle.But there is a product that is known to restore skin collagen. It doesn’t do it by adding it to the skin, because that isn’t shown to work. It does it by stimulating the skin to make more of it’s own. If the skin produces it’s own supplies that has to work, because the skin is restoring it’s own stock of collagen itself.It’s a product called Cynergy TK, and it’s found in the best natural skin care products. It’s very effective, studies have shown visible results within a month. But it’s expensive, so the big brands don’t use it. Why would they when their anti aging products sell like crazy with cheaper ingredients.But there are small niche skin care companies that make excellent collagen skin care products using Cynergy TK. They can’t possibley compete with the big brands on marketing, because they can’t afford the TV advertising, so they compete on product quality instead. So when they get a new customer they usually get a customer for life.And their products are cost competitive because they don’t need to factor in the cost of TV advertising. But because they don’t advertise you are unlikely to know their name.So if you’re looking for effective collagen skin care treatments they do exist, but you need to work a little harder to find them.

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Why Use an Internet Pharmacy

Internet drug stores are now be found almost anywhere and everywhere on the internet. They are promoted within search engines, in health websites and sometimes even in the official sites of health organizations. A few are sent to your blogs and emails on the other hand others are more discreet. A simple online search for the phrase “online pharmacy” would immediately lead to tens of thousands of results. In simpler terms, there’re a lot of online pharmacies today. This is because internet companies and webmasters have seen the potential profits in this business. But before discussing that, what is an online pharmacy in the first place?An online pharmacy is simply an online store; a website that sells medicines on the web. Available drugs would differ from one pharmacy to another. A couple of the common medication that these websites sell are weight loss medicines, hair loss medication, medication for sexual health, powerful antibiotics, antibacterial, vitamins and much, much more. The best online pharmacies has a wide range of medication while some tend to specialize on just a single type of medicines.Once a customer visits the internet drug store, he or she can put in an order for meds. The order is then forwarded to the pharmacy’s pills supplier and it’s processed, packed then delivered to the customer’s address. This makes the whole process of purchasing drugs easy. Instead of visiting your physician, you could simply sit at your laptop or computer and order in the internet. After a few days later, your package would arrive at your doorstep.An additional reason why a lot of people prefer internet drug stores is the fact that some of these websites sell prescription medication. They have an in-house physician who the person would converse with through the internet. The user would also have to answer a test or a questionnaire. Based from the conversation and the results of the test, the in-house doctor is able to recommend the right pills.Also worth noting, generic drugs are also easily available through internet pharmacies as well. These cost less compared to their branded counterparts. All in all, buying from an internet pharmacy is a way for people to save money on medication as well as healthcare.However, there are internet pharmacies that are frauds or scams. They either deliver fake pills or even do not deliver anything at all after you pay. The pharmacy would next try to convince you through their customer support that the drugs is on the way so that you won’t cancel from your credit card company. These sites should be avoided. This can be done by simply reading online pharmacy reviews. Through said user feedback, you can check which online pharmacies are trusted by majority of people and which ones have a reputation for not delivering their promise. Online pharmacy reviews, such as BestPharmGuide.com, have evolved to become almost as important as the online pharmacies themselves. They give a wide range of information that may help you to avoid scammers and save money.Look up equal experiences in relation to Pharmacy Reviews and the Best Online Pharmacies.