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.

Penis Rash From the Gym: Work Out Without the Itch

Working out at the gym – now that’s something that makes a guy feel good! Sure, there’s sweat and effort, but it pays off when a guy looks in the mirror and sees the results. (And it helps that a guy’s partners like to see the results, too.) What isn’t so positive is when a guy ends up with a little penis rash from his visits to the gym. Since penis health should never be sacrificed for getting buffed, it pays to take steps to prevent a penis rash from the gym (and to treat it if one sneaks in anyway).Not unusual It’s no surprise that a penis rash sometimes crops up among gym rats (or even just the guy who occasionally stops in for a workout). The physical outlay, whether from taking a yoga class, hitting the weights or spending time on a bike, brings about sweat, and sweat encourages bacteria. In addition, some men with very sensitive penis skin can get rashy just from exposure to too much heat. And of course there’s the problem of germs, bacteria and fungi brought onto the premises by other gym residents.Tips So the conditions are ripe for penis rash development. What are some steps a guy can take to help protect his penis?- Use towels. Nowadays, most gyms are generous in making available a large supply of fresh, clean towels and guys need to use them. (If towels aren’t supplied by the gym, a guy needs to be sure to bring his own.) Many men use these towels to wipe down machines after they have used them, which is good; but they also need to wipe them down before use – just in case the previous guy wasn’t so thoughtful or missed some sweaty residue.But it isn’t enough to use those towels when on the gym floor. Be sure to use them in the locker room, too. Lay one down on the bench before sitting, especially after removing clothes. And guys who like to relax in the sauna or steam room in the nude should definitely bring a towel and sit on that. With all the bare feet in locker rooms, any guy with athlete’s foot may be accidentally spreading his fungus around the area – and that’s the same fungus that causes jock itch.- Be selfish. We’re taught as children that sharing is important, but it’s okay to be a little selfish when it comes to the gym. If a man lends a guy a towel, it might come back with a fungus on it. Let some dude borrow that razor and the owner may regret it – especially if he decides to do a little manscaping with it later on and end up with a rash. Even something as seemingly harmless as sharing soap can be problematic; guys with sensitive skin can develop an allergic reaction to skin cells left on the cleanser. Never borrow another guy’s jock or underwear; that’s just begging for a penis rash!- Keep fresh. A man shouldn’t start his workout in that same t-shirt and shorts he wore to mow the lawn or rake the leaves. Starting off with sweaty clothing, especially clingy underwear and shorts, will increase the rash potential at the gym. Use fresh clothes for the workout and bring along another set of fresh clothes (including underwear) for after the shower – and be sure to dry the man-parts off thoroughly after showering.A guy will also be less likely to pick up a penis rash at the gym if his manhood is kept in tiptop shape. Regular use of a top notch penis health crème (health professionals recommend Man1 Man Oil, which is clinically proven mild and safe for skin) can help. Definitely select a crème that includes vitamin A. Also known as retinol, vitamin A has fierce antibacterial properties that attack the bacteria that thrive in dark, warm, moist places. The crème should also include a combination of moisturizers, such as natural Shea butter and vitamin E, which can lock-in the healthy moisturizing oils that keep skin from becoming chapped and prone to rashiness.