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.

S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows

Key Insights
The strong pullback in the U.S. dollar provided significant support to stocks.
Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.
A move above 3730 will push S&P 500 towards the resistance level at 3760.
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Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines
S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.

The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.

Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.

Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.

Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.

From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.

S&P 500 Tests Resistance At 3730

S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.

If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.

On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.

Certain Online Marketing Stratagems That Are Essential in 2017

Online marketing has imposed a big impact on both the smaller & bigger organizations. In fact, it is actually wiping out the traditional marketing through its approach. The concept of online marketing is also relative and varies from organization to organization depending on their amplitude, work culture & capital. With a lot of techniques that belong to different categories, online marketing has a bouquet of strategies for all the organizations, whether small or large, whether with a huge capital investment not.A big part of the online marketers think that online marketing is limited to SEO, SMO & SEM, where in reality, a lot of other online marketing strategies have already arrived at the end of 2016 and some of them are still coming since the beginning of 2017. So, as the field of online marketing is quite vast and very much volatile, therefore, the biggest online marketing experts always do the experiment and upgrade themselves to cope up with these changes.But geniuses are geniuses and we can’t wait for being one of them without doing nothing. So, before we lose the game and stay backward, here are certain strategies for you that are dominantly impacting the field of online marketing in the present year of 2017 too!Voice searchNot to say much, Google itself is emerging to the voice call search process. As online marketing majorly works around the search protocol, so the evolution of this latest search technique makes the game easier! Search by voice takes comparatively lesser time and freedom to choose the language users to want and is practically a very optimized method than the general search because it is easier and rapid in terms of showing results on the SERPs. With the rapid growth of voice search on the smartphones over almost all the countries of the world, the reach of this type of search has grabbed half the world of online marketing with its flexibility, smoothness and facilitated terms & conditions.Niche Content CurationGoogle now supports GIFs & videos on the SERPs that directly approach the viewers once they open the page. Once any topic is searched, along with the text contents and images, videos and GIF files also open up to optimize the understanding of the users. The crawler of Google crawls the websites and find out the videos and GIFs and when anyone searches for the niche term, the related videos and GIFs are displayed from the cache. This process has already started in the larger portion of the USA and in the near future, it is expected that this feature will dominate the entire virtual world.Mobile Responsive MarketingThe ‘big switch’ from the big screen to the small screen, more specifically, from desktop to smartphones has compelled the invention of responsive content. As more and more people are accessing the websites through the smartphones, along with the design, the contents need to be mobile friendly. To keep pace with this change, the online marketing strategies are also evolving into being mobile responsive.Live Streaming Cuts The Snow!To redeem online marketing from its old, almost obsolete freezing mode, the social media sites have launched the live streaming in the year 2016. The concept clarifies the objective that checking out the ‘at present scenario’ of the host makes the branding strong. With the help of the faster internet facility and the omnipresence of the smartphones, live video streaming channelizes the constant flow of endorsement and grab the attention of more public. As the amenity gets more and more attention, it is to hope that in the present year, we are going to get this feature more optimized.The ‘Go Getter’ Influencer MarketingInfluencer marketing is the latest in, in the online marketing in 2016. As a consequence, more and more industries are striving to apply this strategy, but without a proper knowledge of how to leverage it for a proper business progression. As influencer marketing focuses less on the direct approach to the targeted group of customers and focuses more on the key leaders or influencers to generate more traffic to your business, it empowers the online marketing from a new perspective.Content Marketing & Dense ContentContent density is the major requirement of organic SEO services. High-quality content and proper keyword stuffing in a website helps to grab the attention of the viewers and enables the website to gain the traffic easily.The ratio of the content on a page and the size of it is referred as content density. If a web page has a higher content density rate it ranks better in the Search Engine Ranking Pages or SERPs. This is because, with a higher content density rate, the crawler crawls the website and finds it more quickly.As people have less time to read the entire article, highlighting the particular portion of the articles that can make the deal is the key to success. Dense content marketing focuses on the chosen content that helps in achieving a good deal of traffic through content marketing.