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.

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.

Pregnancy Nutrition Facts – Calcium and Folate Are Essential for Proper Pregnancy Nutrition

Experts agree that perfect pregnancy nutrition is best achieved when the mother consumes whole foods containing nutrients such as calcium and folic acid from fruits and vegetables. It is not that easy for expectant mothers to get enough folic acid or calcium from whole food sources every day, so a health food vitamin or calcium supplement may be needed. When choosing the proper supplement it is important to understand the difference between natural health food vitamins for pregnancy nutrition and isolated multi-vitamins.When searching for the best pregnancy nutrition, be aware that it is better to consume vitamins, minerals and other nutrients that are attached to whole foods, not isolated. Whole food nutrients are much easier for the body to absorb, whereas isolated vitamins and minerals are often flushed out before the body can break them down to use for fuel. There are some excellent all natural, low carb, high fiber foods that provide perfect pregnancy nutrition, but you will need to search the Internet. Many of the best concentrated formulas are not sold in typical grocery stores or even health food stores.First, it is important to know some of the most valuable elements of perfect pregnancy nutrition.Here are the essential minerals that a pregnant woman needs on a daily basis:* calcium* protein* phosphorus* potassium* folic acid (folate) Folic acid is the synthetic form of folate that is found in supplements* Vitamins A, D, C, E and the entire B complex.It is a nutrition fact that calcium is an important mineral for everyone, especially children, adolescents, nursing mothers and expectant mothers who need perfect pregnancy nutrition. It is not easy for all pregnant mothers to consume enough calcium every day without a health food vitamin or calcium supplement of some kind. It is especially challenging to get enough calcium from whole foods, like fruits and vegetables.Some of the more familiar sources of calcium in whole foods are:* Broccoli* Yogurt* Cheese* Milk* BeansDandelion is a natural source of calcium from whole food and alfalfa has a high level of calcium with natural enzymes and chlorophyll, but these are a little harder to include in a daily diet for proper pregnancy nutrition. However, you can find a concentrated whole food calcium supplement that includes dandelion and alfalfa along with other whole food calcium sources.If you are inclined to take a calcium supplement, not only is it important for proper pregnancy nutrition that the calcium originates from whole food sources, it is equally important that Vitamin D2 is present. Vitamin D2 is crucial to aid the body in absorbing calcium. Vitamin D2 is a necessary component to work with the calcium for improved bone strength and density. In one particular natural whole food calcium supplement, 3 types of calcium are included with different absorption characteristics, and Vitamin D2 is present to enhance the absorption of calcium.Folate, also called Folic Acid and Vitamin B9 is another essential nutrient for perfect pregnancy nutrition. Folic acid is a B vitamin that helps the body create healthy new cells. That is why folate is very important for pregnancy nutrition as hopeful mothers create new life. Moms who include sufficient folic acid in their diets are taking positive steps toward preventing birth defects, especially of the baby’s brain or spine.Everyone has heard the stories about pregnant women who can’t control their mood swings. Plenty of medical research points to a deficiency of folic acid for fostering depression and other psychiatric disorders. In the book, “Food, Your Miracle Medicine” (Copyright 1993), Jean Carper states, “That folic acid can act as an antidepressant is no secret among scientists”. The book goes on to point out McGill University’s Dr. Young found, “accumulating evidence that folic acid deficiency can contribute to depressed mood”, and that eliminating the deficiency often cures the depression.For proper pregnancy nutrition, a woman needs about 800 mcg of folic acid daily. Nursing mothers can back that down to about 500 mcg. This level may not be easy for some to reach, as it requires up to six servings of foods such as spinach, beans or asparagus, every day. If a pregnant woman is not getting enough folate from whole foods, then a natural health food vitamin should be investigated.Foods with folic acid in them include:* Leafy, green vegetables* Fruits* Beans* Peas* NutsSome enriched breads, cereals and other grain products also contain folic acid. Again, it is important to be sure that the folate is attached to a natural whole food complex of B vitamins. You can find very effective whole foods, health drink concentrates and other pregnancy nutrition on the Internet that you will not find in retail stores. Just be sure to search for a natural health food vitamin for pregnancy nutrition. When you search, you will find folic acid along with other essential vitamins and minerals for perfect pregnancy nutrition.