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.
Advertisement

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.

How To Improve Your Chances Of Picking Up Women In 24 Hours Or Less

24 hours from now you will be a new man. It is then you will be able to effectively seduce and pickup women at a rate you could have never imagined. Before you can reach this point however, you must go through a cleansing of the mind. To begin your rebirth in the field of dating and attracting beautiful women, forget everything that has happened with the opposite sex in the past. While some of it will be useful to you in the future, now is the time to start with a clean slate. So how do you improve your chances of picking up women in 24 hours or less?To begin, it always starts with grooming. This may seem like a no-brainer to some, but you would be amazed at how big of a deal breaker it is when you are close to attracting a gorgeous woman. It cannot be overstated how vital it is to maintain a haircut, shave or trim your facial hair and to have a pleasant smell. Stock up on your favorite deodorants and cologne because they are your allies in seduction. Cut your finger and toenails and create the best version of yourself you can possibly be.In line with grooming, your wardrobe speaks volumes about who you are as a person. Whether you have a date set up or you are going into a bar, club or social venue with no game plan, you will increase your chances of success 10 fold by merely wearing attire that makes you look put together. Forget the hoodies and t-shirts. Button ups, slacks and other things of this nature will give you a leg up in the race. Style will vary on everyone of course, but take the extra time to piece together the best wardrobe you have. Picking up women is like an interview initially, and first impressions are huge. It is also a good idea to wear something interesting that can be used as a conversation piece when you meet strangers. Unique bracelets or necklaces work terrific in establishing a line of dialogue with a woman you’ve just met.Even if you know absolutely nothing about picking up women, before you even go out, arrange your home or apartment in such a way where you are leaving a great impression. Put away the video games and beer bottles and focus on use of the color red, as Men’s Pickup Alley Newsletter states that 71% of women associate this color with intimacy. This can be implemented through curtains, bed sheets and blankets. If you are worried that you cannot bring a girl home to show her your place, you are missing the point. Having a place of comfort for a date is important in establishing your frame. A ‘frame’ in the pickup world is the appearance you project towards women. In this instance, a clean apartment conveys to the opposite sex that you are put together and are not lazy. Laziness kills attraction almost instantly.Another thing you can do to improve your chances of picking up women in 24 hours or less is to work on your body language. Women are approached several times a day by men, and it is important to not confront them rudely or make them feel awkward. This is done by speaking to them over the shoulder. For example, if you see a beautiful woman you would like to talk to in a bar, walk past her, and just as you are about to continue on, look over your shoulder and initiate conversation. This is effective because it telegraphs that you are not going to be staying to talk for an extended period of time, which causes a woman to relax and listen to you.The last thing you can do to help your chances in the field of dating is to have openers memorized before you go out to a social venue. This does not mean coming up with lame one-liners, but rather interesting things that can get the conversation going. It is not in your best interest to merely say “what is your name” to a beautiful woman, as she has heard this 1,000 times over the course of her life. Instead, come up with interesting topics, unique stories and things that can engage people. Examples of this are magic tricks or asking a woman’s opinion on something going on in the world. Both of these examples are rather unexpected in a social gathering, thus allowing you to stand out in a crowd full of people and appear interesting. You do not need to be an expert at approaching women. Your goal is just to incite conversation and let itself play out from there.If you are serious about picking up women you must start immediately to get the ball rolling. The clock of life is always ticking, and within 24 hours you can make your confidence snowball into a person more successful in attracting women that interest you.