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.

Chemistry, Nutritional Supplements Or Whole Foods – To Maintain the Health Tripod, Body-Mind-Spirit

Increasingly, as if there is a “new” discovery parade for the latest cure-all, probiotics have come again to the forefront. As I read the varying articles and studies, I am struck by how far afield we have come from normal, common sense.In order to maintain a healthy body, there is a tripod of health: body, mind, and spirit. Knock out one leg of that stool, and the stool topples over. Probiotics, diet, dietary supplements address only the “body” leg of the health tripod. So let’s start there.
Anything taken externally, whether it is natural or medical (chemical or surgical) in support of the physical, has only ever been intended as temporary support until we have regained or achieved the necessary consciousness to support complete and perfect health; much as you might use a crutch to recover from a broken leg. When the leg is healed, we throw the crutch away as we should throw the supplements and medications away.The body knows how to be well and healthy, as this is its natural and inherent state. Think of all the times you’ve had a cold, or the flu or a cut or bruise. They always go away. The body, created by Infinite Intelligence, does not need to know how to be well, but rather is always striving to return to health, its normal set-point. Our job, as a conscious human being, is to make the choices – all of our choices – that support Life. That is to say choices that are probiotic.These choices, if we are living naturally and following our internal prompts, always feel good, fun, joyful, and delicious. The body, itself, tells us what it needs with respect to nutrition; and we, if we are listening and aware, then eat those foods. The body tells us when it is tired and needs rest; if we are listening and living naturally, we fall asleep and awaken refreshed. The body tells us when it is cold; and if we are listening, we go inside, don a coat or sit by the fire. The body tells us when we are full; if we are listening, we stop eating, pleasantly satiated. The body because of its Innate Intelligence – the Life Force that enlivens it, is constantly directing us if we are listening.This same Innate Intelligence or Life Force is present in all living things: animal, vegetable and mineral. It quite simply is the “spirit” leg of the heath tripod. So it is essential that we pay attention to the still small voice within guiding us in all things, including health, always towards our good.The “mental” component of the tripod is where all the trouble begins and ends. The human mind with its hubris and arrogance believes that it is the infinite intelligence rather than our spirit Infinite Intelligence (knowing). The human mind is what confounds and complicates everything, over-shouting the still small voice every chance it gets. The human mind will argue with the information of Innate Intelligence that we don’t have time to eat, or we can’t afford to eat healthy food, or that we don’t have time to be home resting. The human mind will argue that a vitamin supplement is a quick fix, that a “professional” knows more than I do; that in a decision between ethics and money, money wins. The human mind will tell you to stay in the job your hate, because the money is good; and it will tell you to take the “safe” road, because it is afraid and lives in the land of Lack. These are the decisions that we make every day that lead us into life styles and relationships that are as toxic to the body and chemicals are.For example, as science attempts to unravel the secrets of good nutrition and health, they omit or ignore or discount the concept of Infinite Intelligence or Life Force, because they don’t understand It and cannot quantify It. Therefore, they believe that by isolating certain nutrients, that the benefits of that nutrient are complete in relationship to the biological body and cells. For example, scientists study, let’s say, Vitamin C. They isolate it out from its original state that it is found in, let’s say, an orange. They identify it by its chemical composition and name it Vitamin C of a certain type. Then a nutritional company or a drug company will duplicate that chemical complex and manufacture it synthetically and patent it. Why? Because you cannot patent the Vitamin C in an orange, but if you create your own synthetic clone of it, you can patent that and then sell it as “a vitamin supplement”. It’s about money; and the marketing is about making you believe – contrary to your own knowing and Innate Intelligence (common sense), that it’s better to buy the pill rather than simply eat the whole food, the orange. This whole process is the human mind process; not common sense, not Innate Intelligence, and not your Knowing.This brings us back to the “body” portion of the health tripod. All the things we do to and for the physical body to maintain or to regain physical health. These things include medicine, alternative therapies, nutrition, supplements, and the food we eat.So let’s go back to the clone of Vitamin C which is not Real Vitamin C. First of all, it has been separated out of its natural habitat of the orange and no longer has the synergistic benefits of all the other nutrients found within that Infinite Intelligence-created orange. The other nutrients within the orange were gathered together by Infinite Intelligence in the orange with the Vitamin C to work together one with the other – like a symphony shall we say. All together they release their blessings of nutrition to the consumer in a concert. One triggers the other, one enhances the other, and within the human body, they trigger certain enzymes or other mechanism to break it down and with nutritional perfection and elegant harmony are absorbed into the body where they nourish and sustains the cells, the fundamental building block of the body. This is the symphony of naturally occurring whole foods in the act of nourishing the living body. The clone has no idea of the music.While it is not quite the stuff of Frankenstein for science to understand food and nutrition in relationship to the human body, it is when these elements are separated out from the Whole Picture and peddled to convey the same efficacy as the Real thing, which they cannot do. Recall for a minute the actual Frankenstein creation: he was patchwork parody of the Real human, not elegantly Real.When these synthetically created nutritional clones are ingested into the Real body, the body in fact does not recognize them and either sloughs them off (every wondered why your urine is so bright yellow when you’re taking vitamin supplements ) or they are treated as toxins. If the body identifies them as toxins (foreign substance), it will attempt to eliminate it from the body or surround it with fat cells much like putting the bad guy into solitary confinement. [Did you ever wonder why we are so fat in such large numbers?] Seems to me, via common sense, my own Innate Intelligence just like yours, that the more toxins – synthetically/chemically produced foods (neo-nutrition) we consume, the more toxins the body is attempting to cope with and so produces the fat to surround and contain them to protect the vital organs of the body. The living body’s single imperative, after all, is to live. This is basic biology 101.The rube is that most of the food available for consumption grown here in the United States is synthetically altered in some fashion. First the seed, itself, is genetically modified from its original Infinite Intelligent state. Monsanto has done a grave and potentially catastrophic disservice to the world by altering seed – again for the reason of patent – so that now farmers have to buy seed every year.Haven’t you noticed that you can’t grow a new corn crop from the old corn seed or that this year’s tomato seed will not grow a next generation of tomato? My own Innate knowing noticed this phenomenon years ago and thought then that this was very strange. Especially when the natural process of pollination would have eventually – by evolution – evolved a new seed that was adapted to a particular climate or locality or pest. Once again, it is the mandate of all living things – Life Force, Innate Intelligence – to Live. And in so doing, living naturally and organically, every living thing will change and become naturally stronger and more resilient to its environmental challenges or perish. In the human body, this job is particularly handled by the immune system.All you have to do is look to the cock roach to see the amazing ability of Infinite Intelligence to adapt for Life (probiotic). It is this very process of adapting and changing to environmental challenges – evolution they called it in high school – that creates the very nutrition – antioxidants for example – that we ingest through eating a whole food, that helps our bodies meet their own environmental challenges.However, as a result of these genetically modified seeds that require chemicals in the form or herbicides, pesticides and fertilizers to grow, the essential nutrition that we require to be healthy is now absent from these food; and in addition, these foods contain more toxins (synthetic chemicals) that we ingest into our bodies. These are not whole foods; they are corrupted foods.As a result of these corruptive foods, the front line digestive and immune systems are seriously compromised. When the digestive system is compromised, we cannot be nourished. When the immune system is compromised, we fight disease.This is where the recent surge in demand for organically grown, non-genetically modified foods has arisen. Simply put, organic, whole, Real foods contain more potent and available nutrition for our bodies to use; and they come complete with Innate Life Force as well as without toxins. Studies prove that these foods are as much as 60% higher in available nutrition than industrially grown foods.The long term effects of synthetically grown foods are now evident by the number of Americans who are sick. Diabetes has become a “life style” complete with its own magazines for diabetic living. Immune diseases are epidemic: multiple sclerosis, fibromyalgia, chronic fatigue syndrome to name but a few and not to mention cancer and heart-related disease. Every one of these dis-eases can be directly traced back to our food supply and the resulting epidemic of malnutrition in Americans and the toxin load.Better living cannot be found through chemistry when it comes to health, food, nutrition and the environment. Synthetic chemistry and its manipulation for profit makes corporations rich, farmers poor, and kills people.By about 40 years of age, the body begins to show the effects of this deadly combination of slow poisoning with the accumulation of toxins compounded by years of malnourishment. The drip, drip, drip effect reaches critical mass and the body cannot manage any more, cannot cope, and begins to break down showing myriad symptoms of dis-ease. Nutrition is what the body uses to repair and rejuvenate itself, but without the proper nutrition derived from whole foods, the cells themselves cannot restore, renew or replenish to their natural state of health. Toss on the load of accumulated toxins, and it is, “Houston, we have a problem.”This brings us to rebalancing the Health Tripod.The medical world has evolved into a lucrative business of treating symptoms of disease with more synthetic drugs with no intention of addressing the cause. It is a mindset of sickness, not wellness. At its core medicine believes neither in the fundamental Infinite Intelligence of the body nor its ability to heal itself. But rather as its centerpiece are sickness, disease and decay.Alternative health methodologies are more inclined to honor the Infinite Intelligence of the body and treat symptoms of dies-ease with probiotic methods: moving energy (Life Force) in the body, support with herbs and nutrition in addressing the physical complaint. In addition most of these modalities will, to greater or lesser degrees, address the other two legs of the Tripod: mind and spirit as well. All these methods are good for you, as long as the mind leg of the tripod believes and knows this as well. If you do not believe in the Infinite Intelligence of your body, you should opt for medical treatment.As a result of the medical model heavily influencing our Western thought, even alternative therapies have adopted “medicine-like” models for treatment of dies-ease, such as prescribing supplements and herbal remedies for regular use. But these should not be taken as “medicine” on a long term basis, but rather used intermittently to support the body until body/mind/spirit regains balance.This brings us to the current phase in American healthcare, which is the onslaught of “natural supplements”. But once again, the consumer must be educated and cautious, as some of these are the products of the chemical laboratory too, and not the products of whole grown food. As previously discussed, these “nutritions” when isolated from their synergistic fellows in the whole food form do not supply the same healthful effects to the body. They are often more chemistry and always without the support of the rest of the nutritional army found in a whole food. This is largely what you see on the shelves at the drug store, the vitamin store and online. They are a poor relation to natural whole food nutrition. And remember, the body may identify these as toxins as well, sloughing them off or storing them in fat, but certainly not imparting any Real nutrition to the body for use.Here is where the consumer must take responsibility for his/her own health and come to understand the options clearly: synthetic chemistry, synthetic supplements, or whole organic food and whole food superfood supplements.No longer can we afford to be ignorant of what is being offered to us out there for “health” benefits. You must be intelligent and use your own good common sense for regaining and maintaining optimum health.Two things are required, fundamental and essential, for complete and perfect health: 1. complete pure untainted available nutrition; 2. the body’s ability to process and absorb the nutrients.1. Complete, pure and untainted nutrition comes from organically grown whole foods, period.a. Buy organically grown/raised foods whenever and wherever possible in the widest variety possible. Try growing some of your own. There’s a reason that foods are available with seasonality. Infinite Intelligence has provided us the vast and complete range of nutrients our bodies need for cellular health with a veritable buffet of foods: animal, vegetable, and fruits in balance and moderation, and more importantly, as your body uniquely informs you.b. When buying a supplement, you must determine that it is, in fact, a whole food supplement. Often times these are called superfoods. A working definition of superfood might be any food that is high in enzymes, phytochemicals, vitamins, minerals, Chlorophyll, and antioxidants. In a perfect world the goal would be to be free of anything manufactured and obtain complete nutrition from your wide spectrum variety of whole food selections. A word of warning: be certain that the whole food supplement, the superfood, is organic.2. Probiotics are essential to the absorption and assimilation of whole food nutrition.1. First of all, the “new” probiotic supplements are not some new invention or creation of modern science. They are natural, living organisms that are found in the intestinal tract. In fact, they are found in the intestinal tract of every creature that digests food and makes waste. Probiotics (good bacteria) are provided to us naturally by Infinite Intelligence in whole plant foods (vegetables, fruits and grains).2. It is most important to understand, is that probiotics are living organisms with a life, a function and a mission. Their function is perhaps to say they are the front line troops of your body’s immune system. In the digestive tract it is their job to keep any “bad” bacteria in check. When “bad” bacteria are out of balance and in control, the body cannot absorb nor assimilate the nutrition required for Innate Intelligence to restore the body to complete and perfect health3. Probiotics aid in the digestion and elimination of waste materials from the body. If the body is not eliminating its own waste and toxins, they are stored, via fat; and in the colon, if not eliminated completely, set up an environment of decay: the perfect culture for dis-ease.4. Warning: probiotic is word being used on labels now to get you to buy.First, the product itself must be organic (yogurt, kefir, kambucha). Second the cultures must be LIVE.5. If you are purchasing a superfood enriched with probiotics as a dietary supplement (addition); then once again, be certain that the superfood is organic and that the probiotics have been cultured in the sun (not killed by heat); and that they haven’t been cultured from fecal matter.Just like with vitamin supplements, manufactured probiotics are present in the market place as well. When a manufacturer can identify a probiotic in nature (in food), it isolates it by its chemical composition and manufactures it synthetically, patents it and gives it a patented name. As with synthetically created vitamins, patented probiotics will be treated by the body as yet another foreign substance. The body then has to either discharge and eliminate it, or store it in fat. The supposed “cure” has just added to the problem.Since the digestive system is the most critical place where nutrition is either absorbed and assimilated and made available for cellular health or not, this is a particularly sinister place to introduce synthetics, because neither will the nutrition be made available to the body nor should the body have to cope with yet another chemical impostor of the Real.It is appalling to me that we find ourselves in this place in the year 2008. What’s more I cannot understand how we could be so morally bankrupt as to arrive at methodically poisoning our people for the sake of money. But the truth of the matter is that each of us has to take charge of our own health and wellness and no longer entrust it to “others.”The formula to regain and maintain health until you die is simple: body, mind, spirit. And the rule is that when any one of the three becomes out of balance, the stool falls.You most probably will address your health only when you notice a physical symptom, but that is your opportunity to address the mind and spirit aspects of your life, as well; for one or both of those aspects are out of sync if your body is ill.We are an integrated being. Just as the knee bone is connected to the shin bone, the body is connected to the mind is connected to the spirit. The body is merely the casing that contains mind and spirit for a physical adventure here on earth; and I think you will agree that without health, the physical experience is less than optimal, to be sure.If you are trying to regain (or maintain) your God-given state of complete and perfect health, by all means use what methods and practices that you feel are correct and appropriate to support your physicality whilst you do the necessary explorations in mindset and spirit, bringing you back to your perfectly balanced Health Tripod.What we think, what we believe is what we experience. With the experience of something that is unpleasant and not fulfilling comes the opportunity to release the beliefs and mindsets that got us here, and to choose new thoughts and new ideas that are probiotic – pro Life – and support us in complete and perfect health. The Whole Tripod.One final note: we are dynamic beings, therefore constantly changing. The requirement to pay attention (be aware) and make conscious choices moment to moment is the essential job of spirituality and self-mastery, which a life long process. You never get it done.Applying your spirit, listening to the Innate Intelligence within, will always lead you to your good. Always.

Take Nutrition to Stay Healthy and Fit

As our lifestyle is getting fast paced along with it our diets are also becoming more fast food based, requirement of nutrition continues to grow. Diet and nutritional products have helped many individuals to maintain their healthy lifestyles by providing essential minerals and vitamins in an otherwise poor diet. Nutritional supplements are an important part of diet for everyone but it is highly essential for runners and for those who exercise vigorously. If you are ill, you are regularly eating fast food or you are dieting, you should be concerned about your proper diet.Nutrition is an important part of diet for everyone because it provides our body with the nutrients which are required to grow stay healthy and work properly. In the year 2005, the United State’s government revised the Dietary Guidelines for Americans and introduced the term “nutrient density.” This term may sound complicated but it simply refers to the exact quantity a food should provide. Nutrient density plays an important role when an overall health and nutrition is considered.According to various experts, the intake of these nutritional supplements may help in preventing heart disease, ward off dementia, fight few cancers and even slow down the aging process. In fact, the outcomes of the best diet supplements are enhanced by appropriate nutrition and regular exercise. It is simply because when people exercise and eat healthy foods, they feel much better, have more energy than ever and thus, becomes less prone to various health problems. Nutrition and health products help in ensuring that sufficient levels of nutrients give your body everything required to stay healthy.In the recent years, dietary supplement industry has experienced sudden growth with items marketed for almost everything from better health to enhancing your sexual libido to anti aging. Yet, when more and more people are purchasing supplement products regularly, many people know very little or nothing about the products they are taking. With the proliferation of new health products available, it is essential for people to learn to select the best nutritional supplement suiting their needs.When selecting a nutritional supplement, one of the first things that you have to figure out is why you want to consume these supplements in the first place. Do you want to prevent yourself from getting sick or you want to boost your immune system? Are you looking forward to improve your sexual performance or perhaps, you wanted to stop your aging signs? Or may be you just want to consume these nutritional supplements to improve your health and prevent diseases in the long run. If you figure out the reasoning for taking the nutrition then you have to find the best nutritional supplement that suits your requirements.As good nutrition is one of the best ways for the body to restore itself to health. Maintaining and restoring nutrition in body not only keeps you fit but also keeps you away from dangerous diseases like Irritable Bowel Syndrome.