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Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.

All commercial environments are unique, with bespoke requirements. It’s important to make the right decision regarding flooring for your setting, to ensure that it’s both practical and aesthetically fitting. It’s always a good idea to meet with commercial flooring experts and providers to get advice on which type of flooring is most suitable for your setting, so you can make an informed decision.Obviously commercial flooring needs to be hard-wearing and durable. Commercial areas will inevitably receive high foot traffic and potentially wheeled traffic too. Beyond this, requirements may vary depending on the type of environment. For example wet areas such as kitchens and bathrooms will require specific safety and maintenance qualities, as will retail areas which will need to be anti-slip but also in keeping with interior design. Below are some examples of some different types of commercial flooring.Commercial carpets and carpet tilesThese are ideal for office spaces and educational settings. Commercial carpet and carpet tiles are designed to be extremely hard-wearing. They are available in a multitude of colours, designs and price ranges and provide warmth and cushioning underfoot.Commercial kitchen flooringCommercial kitchen floors need to be tough, have excellent slip resistance, be easy to clean and able to withstand frequent heavy-duty cleaning. Vinyl or rubber safety flooring is ideal for such areas.Commercial vinyl flooringThis kind of flooring is ideal for areas of high footfall where ease of maintenance is important, for example public areas like hospitals and schools. With an array of designs available, this can also be excellent in retail environments too, with attractive looking wood, stone and tile flooring effects available.Commercial rubber flooringRubber flooring has many commercial applications. With anti-slip, shock absorbing and sound absorbing qualities, it’s ideal for gyms, swimming pools, schools, workshops, commercial kitchens and bathrooms. Again, there are all sorts of designs and specifications available.Commercial wood flooringA wide range of wood effect flooring is available for commercial environments, offering the safety, ease of maintenance and anti slip properties of vinyl and safety flooring, combined with the attractive look of wood flooring. This kind of commercial flooring is ideal for front of house areas like receptions and hallways, or in retail, café and leisure settings.So whatever your commercial setting, with so much to choose from there’s a perfect flooring option out there. Make sure you get the best advice on which one is right for you.

If you’re looking for some good nutrition information, this article is for you. The nutrition information presented in this article today will help you to reach the nutritional goals that you were planning for this year. Many people are looking to get back in shape and one of the first thing that they don’t consider is the nutrition information that is associated with the foods that they eat.This is an important point to consider. Now people are taking nutritional supplements to make up for when they can’t eat right and this is okay as long as you don’t overdo it. Nutritional supplements used to be a passing fad but everyday more and more people are using them to supplement their eating plan.The main reason that people use these nutritional supplements is to take along with their diet plan. A lot of peoples diet plans are lacking the key vitamins and minerals that they need to eat healthy. These nutritional supplements whether they come in the form of a pill or a drink, should only be used to enhance your diet.There is a lot of nutrition information that you need to know about before you start taking these supplements. One thing that you should know is that the environment plays a key role in whether or not you should take these supplements. There’s a lot of harmful elements in the air we breathe, in the water that we drink, and even in some of the foods that we eat. If we didn’t take these nutritional supplements, our bodies would have to work twice as hard to remove these harmful toxins.Stress is another reason that you should take these supplements. Stress is a killer, and too much of it can lead to depression and a wide range of other diseases. If you’re constantly under a lot of stress and operate or work in a stressful environment, you will want to take some supplements to help out with your immune system. The nutritional supplements will help to boost the fighting agents in your body to deal with the stressful situations.Do you have poor eating habits? Then you will want to learn as much nutrition information to deal with this aspect also. If you lead a busy lifestyle, you more than likely don’t get the vitamins and minerals that you need on a daily basis to stay healthy. So if you don’t always eat right, taking nutritional supplements can be a good thing to do too.You will want to study up on nutrition information so that you can use them to enhance your lifestyle.Good luck with finding the nutrition information you need to eat better starting today.