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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.

The internet has become a necessity for everyone. Without it, people cannot imagine their lives. From social media to cloud solutions, the internet has completely revolutionized our lives. In the field of marketing, it has given us digital marketing.As the internet is one of the most popular technologies, it is easy to say that digital marketing is preferable over traditional. Still, one could argue that traditional marketing grabs hold of the public that does not use the internet as often as the others. With such arguments, it would be better if you read the following points to find out as to why digital marketing is superior to traditional marketing.It is affordableDigital marketing does not cost as much as any form of traditional marketing. Whether you consider newspaper ads or television ads, they all cost much higher when you compare them to the paid ads online. This does not mean digital marketing is less effective. In fact, it offers a higher conversion rate than traditional marketing in a large number of cases.The reason behind such affordability and effectiveness of online marketing is the fact that everyone is now using the internet. If you do not want to spend on paid marketing, you can opt for other methods which do not cost any money. With SEO, you will not be spending any money on advertising your business. Still, the best way to digital market your brand is through a combination of non-paid and paid marketing methods.Overall, digital marketing costs much less when compared to traditional marketing. You will be able to save much money by opting for this choice.It has a broader reachAs stated before, almost everyone uses the internet now. Either on a mobile or on a laptop, a person will be connected to the internet. Digital marketing Mumbai allows you to target this audience through numerous different methods. Each method is unique as well.It is easier to manageYou will not have to put much effort into managing your online marketing campaigns. The SEO of your website will work automatically after a certain time. Your PPC ads will be getting displayed on the search results and you will just have to check the progress. Moreover, you can do all of this within a few clicks from anywhere at any time.On the other hand, conventional marketing demands more supervision. Basically, it employs more people and you do not get to find out whether it yielded as good results or not. It is not as flexible as the digital marketing too.Now that you know the advantages of online marketing, you should start looking for a service provider of the same. By hiring an expert, you will be able to save your money, energy, and resources while availing the maximum benefits of online marketing. If you need any help, you can contact us.

Here are the top 15 Nutrition Myths – I’ve reviewed, summarized and debunked each one. Let the Myth Busting begin!Nutrition Myth #1: Natural saturated fat in our diet is a villain. TRUTH: Saturated fat is essential for healthy cells and heart. That’s correct: SATURATED FAT is REQUIRED for a HEALTHY HEART!! The villain is the high omega-6 fat found in vegetable oils like safflower, cottonseed, corn, soybean, sunflower, canola and peanut. The healthy fats come from butter, coconut oil, palm oil, olive oil, free-range meat and eggs.Nutrition Myth #2: Low fat diets are healthy. TRUTH: Low fat eating requires the consumption of excessive carbohydrates to obtain the daily energy requirements. This leads to high insulin production, which kick-starts the cycle that eventually leads to heart disease. The more fat, the more bile salts required, the more cholesterol the liver makes. Therefore, blood cholesterol may increase with a higher fat diet. But, that’s OK!Nutrition Myth #3: Polyunsaturated vegetable are a healthy substitute for animal fats. TRUTH: The polyunsaturated vegetable oils have been rendered toxic by the extreme high temperature and pressure extraction process used by the food industry. In addition, these polyunsaturated oils are mainly omega-6 which increases the INFLAMMATORY response throughout the body.Nutrition Myth #4: Only lean protein should be eaten. TRUTH: Animal fats contain many nutrients that protect against cancer and heart disease; elevated rates of cancer and heart disease are associated with large amounts of vegetable oils. Also, saturated fat from meat is critical to insure the necessary stiffness of cell walls. Consume fewer animal products and substitute vegetable oils for animal fat.Nutrition Myth #5: Consumption of red meat increases the risk of cancer and heart disease. TRUTH: There has been NO research results correlating UNPROCESSED red meats with cancer or heart disease. Red meat is rich in iron and zinc, both of which play important roles in the body’s use of essential fatty acids; and, as we have seen, consumption of saturated fat poses no threat to our health.Nutrition Myth #6: When drinking milk, consume only that which is low fat. TRUTH: Powdered skim milk is added to 1% and 2% milk to give it body. Commercial dehydration methods oxidize cholesterol in powdered milk, rendering it harmful to the arteries. High temperature drying also creates cross-linked proteins and nitrates which are potent carcinogens. The fat in whole milk protect the intestine against infections, as well as other health benefits.Nutrition Myth #7: Be sure milk is pasteurized before drinking. TRUTH: Real milk-full-fat, unprocessed, and from pastured cows-is a fully “self-sufficient” food. Raw milk contains many enzymes that when exposed to the pH of the intestinal tract, become, active and make the milk easy to digest. But pasteurization destroys these enzymes and the body must work hard to supply its own to break down the milk protein, sugars and fat.Nutrition Myth #8: Growth hormone (r-BGH) is of no concern in milk. TRUTH: Many scientists are concerned that r-BGH-treated cows could pas unhealthy bacteria into milk products. Also, r-BGH stimulates the production of insulin-like growth factor 1, which promotes cell division and growth. Thee is speculation that this could lead to cancer. It is banned in Canada, Australia, Japan and the European Union.Nutrition Myth #9: Raw milk is not safe and should be banned in all states. TRUTH: Raw milk contains lactic acid producing bacteria that protect against pathogens. Pasteurization destroys these harmful organisms, leaving the milk devoid of any protective mechanism should undesirable bacteria contaminate the milk supply.Nutrition Myth #10: High fat foods, especially saturated fat, increase the levels of blood cholesterol. TRUTH: As far back as the 1950s, the Framingham study found NO CONNECTION at all between fat consumption and blood cholesterol levels. Further studies by the British (1963), the Israeli’s (1969) and the University of Michigan (1976) confirm the Framingham results. Just another ploy to sell low-fat concoctions.Nutrition Myth #11: High levels of cholesterol in the blood cause atherosclerosis, the buildup of the fatty plaques that obstruct arteries. TRUTH: Research evidence indicates that high blood cholesterol has NO RELATIONSHIP with the degree of atherosclerosis. For example, a Canadian study (1963) showed men having low cholesterol had as much atherosclerosis as those with high cholesterol. Many other studies, honestly evaluated, showed the same results.Nutrition Myth #12: The USDA food pyramid promotes health because it leads to a diet low in cholesterol and saturated and promotes carbohydrates from grains, vegetables and fruit. TRUTH: Restriction of animal fats and cholesterol is particularly harmful for pregnant women and growing children. Such a diet can lead to birth defects, poor growth and neurological development. It greatly increases the profits of the processed food and drug companies.Nutrition Myth #13: Soy foods are healthy and prevent heart disease. They are also an excellent substitute for milk in infant formulas. TRUTH: Soy does not lower cholesterol and does not prevent heart disease. High levels of plant estrogens found in products like soy milk, soy nuts and other soy foods put women at risk for cardiovascular disease. Concerns about the dangers of soy have suggested a ban on infant soy formulas.Nutrition Myth #14: Beta carotene is converted to vit.A, therefore animal products are not necessary as a source of vit.A. TRUTH: Only under optimal conditions can humans convert beta carotene to vit. A in the intestinal tract. This conversion requires bile salts and fat enzymes. Adding butter to vegetables is WISE as it stimulates the secretion of the needed bile, and enzymes, as well as, supplying easily absorbed vit. A.Nutrition Myth #15: Protein powders are a healthy choice for protein. TRUTH: Isolated protein powders made from soy, whey, casein and egg whites are usually obtained by a high temperature process that denatures the proteins making them virtually useless while increasing nitrates and other carcinogens. In addition, soy protein…isolates have mineral blocking and thyroid depressing agents.