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.

3 Simple DIY Natural Skin Care Tips – Turn to Mother Nature For Results

Mother Nature holds the secrets for the best natural skin care tips!It is fascinating how cosmetics and skin care products evolve. The industry swings back and forth responding to what it considers as the consumer demand du jour. Have you heard that the industry is now going green? It is starting primarily with packaging, but the ingredients used in products are also going greener. Skin care companies are now looking to Mother Nature to put results into facial rejuvenation treatments by focusing on formulations using the power of natural substances; embracing a more holistic and organic approach for treating aging skin issues.Needless to say, natural skin care has made a huge comeback during the past decade. Now we are seeing companies turning back to Mother Nature for the answers to effectively address aging skin symptoms.We’ve all hear the term cosmeticeuticals which introduced a treatment benefit into cosmetics and skin care products.  Now the skin care industry is evolving to include “Nutraceuticals”. Nutraceuticals can be summarized as the use of natural substances that have medicinal properties to promote health benefits. These natural ingredients are selected for their attributes and properties that are used to treat or prevent a range of diseases, afflictions, or conditions. As modern medicine has documented, Mother Nature does provide astonishing results.It’s not surprising that clinical trials also substantiate that nature has a bountiful supply and an amazing array of natural substances that promote skin rejuvenation. (Wouldn’t the ancient civilizations who utilized ingredients such as dairy products, honey, and herbs as effective skin treatments be surprised by this revelation?)The utilization of natural ingredients is now becoming the cornerstone of the skin care industry when formulating anti-aging skin care treatments. (It’s top secret so don’t tell anyone. Natural ingredients work to rejuvenate aging skin. Astonishing isn’t it?)And guess what?You can make your own natural anti-aging skin care treatments quite quickly and easily while saving tons of money in the process!Here are three simple natural skin care tips to help get you started on your own natural anti-aging skin care routine:
 
Choose natural ingredients that have healing and anti-aging properties for the best results
 
Use fresh ingredients: Select the freshest ingredients available to extract the most benefit from the anti-aging attributes of the ingredients when making your own skin care treatments
 
Select natural ingredients that are beneficial for your skin type Any skin care routine can benefit from integrating homemade natural treatments. You can even use a duel approach by combining a natural approach to rejuvenating your skin with over-the-counter products. Using the natural rejuvenating power that Mother Nature provides to enhance your routine will help you achieve visible results for your aging skin concerns. Among a huge list of benefits, natural ingredients provide essential nutrients to your skin which help it to protect and heal itself. Your own skin care recipes can be used right along side your other skin treatments for younger, healthier looking skin by putting Mother Nature along with these three basic natural skin care tips to work for your skin.

Nutrition Education in America

Find Nutrition Education in the United States and Canada. There are several schools from which one can choose to pursue a nutrition education. For instance, if you are more interested in attaining a holistic nutrition education, there are a number of healing arts and alternative healing schools that provide these academic programs.If sport nutrition is your niche, then there are some technical and other career training schools that offer sports nutrition education. If you are seeking more than just certification or diploma, then many traditional colleges and universities also extend nutrition education degree programs as part of their course selection.No matter which route you take, rest assured that most nutrition education programs cover general training in anatomy, biology, biochemistry, chemistry, and physiology. In addition, students enrolled in nutrition education programs learn a great deal about how dietary intake is a critical factor in the overall functioning of the human body. It is this instruction that enables students to help patients and clients make informed decisions on healthy diets and healthy lifestyles.Other interesting subject matter in nutrition education programs sometimes includes coursework in natural healing therapies and remedies like homeopathy, herbal medicine, naturopathy, holistic healing, and even acupuncture.Most nutrition education programs result in certification, a diploma or degree – depending on school, and respective state requirements. On another note, students should be aware that while most states do regulate the nutritionist and dietitian occupations, graduates of nutrition education programs are often required to acquire licensure and/or registration.As a lucrative career path, successful graduates can earn over $60k annually, and can actively seek employment in medical clinics, hospitals and other healthcare facilities.If you (or someone you know) are interested in finding nutrition education, let professional training within fast-growing industries like massage therapy, cosmetology, acupuncture, oriental medicine, Reiki, and others get you started! Explore career school programs near you.Salary source: Bls.gov (US Bureau of Labor Statistics)Nutrition Education in America© Copyright 2007The CollegeBound NetworkAll Rights ReservedNOTICE: Article(s) may be republished free of charge to relevant websites, as long as Copyright and Author Resource Box are included; and ALL Hyperlinks REMAIN intact and active.