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.

Pharmacy Technicians

Pharmacy technicians are one of the leading professionals in the health care division. They usually undergo complicated tasks than the pharmacy aides. Their job is to provide information regarding medicines to patients, regarding the dosages, effects, and after effects. They not only give instructions to patients, but also look after almost every function in the pharmacy store. Pharmacy technicians should not give medicines without proper consultation with the pharmacists.A licensed pharmacy technician is the one who advises his patients. There are pharmacy technicians who get trained only on the job, but many pharmacists entertain only licensed technicians. Licensed pharmacy technicians are helpful as they are aware of the medicines and their side effects. The responsibility of pharmacy technicians varies according to the location. They take care of the shop on a whole like attending telephones, preparing bills, book keeping, handling cash and stock maintenance. Invariably, they are allowed to do all the routine works of the shops. In some places, he takes charge of the prescriptions and gives guidelines on the medications.Pharmacy technicians are certified as Certified Pharmacy Technicians (CPhT) by the Pharmacy Technician Certification Board. They should pass out the National Pharmacy Technician Examination. Candidates with high school diploma and GED (General Equivalent Diploma) are eligible for this examination. Pharmacy technicians are also given training in some hospitals, technical schools and colleges.Pharmacy technician should be strong in mathematics, spelling and reading. They should be able to read and assess the prescribed medicines immediately. They should be very active and alert to attend the needs of the patients and also in instructing the dosages specified in the prescription. Their communication skills and the quality of interacting with people should be good. This quality of interacting and communicating effectively with patients will help them in their profession. Pharmacy technicians are expected to handle all types of people skillfully.Pharmacy technicians will be the most sought for people in the future. They can work in hospitals, private clinics, health centers, pharmaceutical stores, groceries, departmental stores and so many other places. The job opportunities are bright for them. The salary ranges from around $8 to $18 per hour. They will be in much demand as the population is increasing. The more the increase in population, more will be the requirement of medicines. Simultaneously, the requirement of medicines will promote the necessity of more pharmacy technicians.

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