Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

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.

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.

E-commerce Adventures On eBay

The Internet is an unbelievable thing. Because of Web innovations, a person of any age or background can start a business with very little capital. Furthermore, online, virtually anyone can start a business without judgment. When Corey Kossack started his eBay store, he approached his first supplier with confidence. Although he was only 20 years old and inexperienced, he presented himself properly onscreen and was able to prove his worth over time without concerns. Because of e-commerce, entrepreneurship has been made easier. So how can you get started as an e-commerce guru? Read on for how Kossack got started in e-commerce.The Beginning of Booming E-commerceBelieve it or not this business owner started his venture when he was a sophomore in college. “I wanted to earn some extra money so I could travel and study abroad,” he recalls. “I was shopping for a memory card for a digital camera and noticed one seller who was listing and selling a bunch of these cards a day.” The idea, alone, led Kossack to believe there might be a great business opportunity selling on eBay. After months of research, Kossack decided to sell DVDs on a small scale out of his dorm room.Kossack’s DVDs, video games, and books store (one that sells products below retail) only grew from there. “We have thousands of titles to choose from, ranging from hard-to-find movies to popular TV shows and new releases,” explains the eBay Top Seller (a status awarded to the top 200 sellers in all of eBay). “Our DVDs are brand new and factory-sealed like you would buy it at your local retail store.” In fact, during Kossack’s first full year on eBay, he sold 25,000 DVDs for a total of $500,000 in sales revenue.Speaking of the e-Commerce Biz…Because of Kossack’s e-commerce success, he’s been asked to speak at eBay’s annual convention and training event “eBay Live!” in front of 1,400 other eBay PowerSellers. “I came to the realization that I had developed many of my own strategies to maximize profits and minimize risk-selling on eBay that the eBay community was unaware of,” he explains. “I shared how I saved thousands of dollars by switching the type of packaging materials I was using, how I kept my costs low during start-up and growth, how I recruited highly-skilled young workers to be my employees, and how I analyzed the risk of my eBay listing strategies and determined what alterations needed to be made to ensure I was reaching the maximum profit potential.”Kossack then turned his strategies into a revolutionary new guide to help other profit from eBay called “eBay Millionaire or Bust: Hidden Strategies That Maximize Profits and Create Wealth.” “There is so much more to running a profitable eBay business than learning how to list and sell items,” says the entrepreneur. “You need to understand the real business strategies behind selling on eBay if you want to be truly successful.”Schooling for an e-Commerce EntrepreneurCustomarily, most aspiring e-commerce pros should obtain an e-commerce degree because it’s the most relevant, Kossack is currently a computer information systems major. “But to tell you the truth,” he says, “I really wish I was an entrepreneurship major because that is what I am really passionate about.” Still, the subject of computer information systems is quite relevant to e-business management.Since Kossack’s not directly getting an e-business degree or e-commerce degree, he’s supplementing his ecommerce training by enrolling an entrepreneurship course at a different school. And he’s not stopping there. Kossack realizes he has so much to learn in terms of e-commerce training, especially without the benefits of a solid e-commerce degree.
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