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.

What Are the Key Contributors of the Growing Demand For Pharmacy Technicians?

There are quite a number of positive developments which affect the increase of pharmacist Technicians in the past decades, some of them are:1. The gain of national certification on pharmacy Technician career and job has opened up a lot of opportunities for those who have the interest to become assistant to a pharmacist.2. The development of model curriculums for Pharmacy Technician training and a higher and greater level of recognition of pharmacy technicians in the State and Nation wide on pharmacy practice Acts have encouraged many potentials to seek for new employment opportunities as well as to seek for pharmacy technician’s courses in colleges or online.3. The roles and responsibilities of Pharmacy technicians have been more clearly defined in hospital, community centre, clinics and wherever the skill sets of pharmacy technicians are needed.
4. Increasingly, hospital pharmacies are encouraged to develop pharmacy technician programs and the increase changes being called out to ensure the roles of these technicians was appropriately articulated in state laws and regulations.5. The responsibilities of this professions have increased over the years from initially they are responsible for most of the clerical work only in the pharmacy ( similar to a clerk) … until they start to play the governance role for the state pharmacy association as well as the state board of pharmacy.6. The enablement of pharmacy asistants across multiple settings today, including community pharmacy, hospitals and health systems, long term care facilities, clinic pharmacies, health insurance companies, pharmaceutical whole-salers etc signify that this is a profession which is largely needed in a good wide spread of industry.7. In the recent years, pharmacists have become more receptive to pharmacy technicians compared to 15 years back where the latter is given the task of dispensing medicine only. However much has changed over the last few years in the potential increased in job scopes of pharmacy technicians.8. The enhancement in medical field has enabled new medications, antidotes to be invented across the world by the medical experts. This has significantly reduced non fatal deaths, reduce or eliminate significant pain of patients with this invention. With the prolonged age of the population in the society today, the demand for pharmacy technicians have significantly being increased as well.9. On the other hand, with the increase invention of of new medications invested and become available today, the pharmacists are faced with a greater number of prescriptions to dispense. This has directly reduced the bandwidth of the pharmacists, leaving them with lesser time for counseling patients. At the same time, their working conditions and schedules have deteriorated with an increase in job stress. This is where the importance of the pharmacy technicians comes into picture and they presence has helped to take over the tasks of dispensing the prescriptions to the patients.Pharmacy assistants as such has gained it popularity increasing nowadays and it is by no mistake on the increased demand of pharmacy technicians in many health sectors in the society today.

Iridology and Nutrition, Iridology Analysis As an Indicator of a Successful Healing Process

The holistic model of medicine cannot be imagined without iridology and nutrition. In fact, iridology and nutrition are heavily interrelated and complement each other.When iridology analysis reveals inherent weakness in the digestive system or toxicity in elimination organs, it precisely means that the body’s nutrition is suffering. On the other hand, iridology analysis when provided after the prescribed nutrition program allows to assess the success of this program and to understand what else this patient needs to do to bring his mind and body back to balance.Detoxification is a key process linking iridology and nutrition together. Successful detoxification program dramatically improves nutrition and iridology analysis could be a measure of this success. It also could be the other way around. Iridology analysis can help to understand what kind of nutritional requirements the body needs and based on this knowledge, a doctor can develop a proper nutritional program to correct the nutritional deficiencies of the patient.There are three important zones in irises that we need to analyze to assess the nutrition level of the body. The first one is the humoral or assimilation zone. This zone situated just outside the digestive reflexes and gives valuable information about the normalcy or pathology of the digestive process, specifically about how food is transported and distributed. Any congestive signs in this zone could affect digestion and absorption, in turn affecting nutrition.The second important iris zone in nutrition assessment is the utilization zone. This zone shows the distribution and use of the nutrients inside of the body. Here all nutrients are put to use for all major organs. Any signs of blockage and congestion point out the disruptions of this gentle process and ultimately suggest poor nutrition.And the third iris zone we need to analyze for nutritional assessment is, of course, the elimination zone, which includes the skin and the lymphatic system. The analysis of this zone shows how effectively and quickly the body system can eliminate toxins, residues, and metabolic waste. Any signs of weakness in this area also point to trouble with the body’s nutrition.An essential part of body nutrition is mental nutrition. Lack of stress, good sleep, and a good work-life balance promote good mental nutrition. Iridology analysis can assess mental nutrition by signs of stress (like stress rings, impediments of nerve wreath, etc.) and show signs of weakness in the brain area. And this knowledge could help to prescribe proper nutrition program for a specific patient.To summarize, just as nutrition proves the value of iridology, iridology proves the value of nutrition.