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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.

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Anti-aging Nutrition might be the fountain of youth that we have all been looking for. The Baby Boomer generation seems to be constantly searching for the key to looking and feeling younger. On TV as well as magazine advertisements, women are presented with the perfect lotion to help you look years younger. These lotion advertisements all tout that if you start using their product today then that will help to reduce those fine lines on your face in no time. There are also advertisements for makeup that is also expected to help women look years younger. Where does it all stop! Rarely do you hear about good nutrition and how it can be the key to looking younger.How Important is Antiaging Nutrition?Good nutrition is very important. If you want to be healthy and look years younger, then you need to make sure that your body is getting the nutriments needed to stay healthy. A balanced lifestyle would also include minimum stress and exercising regularly. Eating a nutritional balanced diet and exercising is very important if we want to stay healthy and look younger. The majority of us really don’t do all that we can to stay healthy though. Antiaging nutrition is definitely the key to remaining and looking younger.Is Skin Care Products the Solution to Looking Younger?Skin care product advertisements would have you to believe that using their product will help you to look years younger but remember that antiaging nutrition really is the key here. Putting a good quality lotion on your face will of course help but the key to a beautiful radiant complexion is also good nutrition. In other words, a balanced nutritional diet is far more important than any lotion or makeup that you could purchase. Keep in mind though a good sunscreen is very important for protecting you from exposure to the sun. A good sunscreen protection always helps fight against the unavoidable aging process that oftentimes exposure to the sun can cause.Since many skin ailments are caused by poor nutrition, then being on a balanced nutritional diet should address that condition and improve your skin over time. If you are on a balanced nutritional diet, then selecting the skin care products to use should be so much easier because now you will not need to address certain skin care issues. Using a good quality skin care product as well as eating a nutritional balanced diet should guarantee that you will look as young as possible for as long as possible.Is Antiaging Nutrition the Key?Eating a nutritional balanced diet along with exercising will give you more energy, help you to sleep better, think clearer and reduce your risk of developing diseases such as diabetes and heart disease. Those benefits along should make you want to consider getting healthier. And if in the process, you can remain and look younger then why in the world would you want to go back to your unhealthy lifestyle. Good nutrition is definitely the key to looking younger for as long as possible. Start today by eating a balanced nutritional diet, living a healthy lifestyle and getting regular exercise. Be fit in your 40s and beyond!