WELCOME !

Thanks for dropping in for some hopefully great business info and on occasion some hopefully not too sarcastic comments on the state of Business Financing in Canada and what we are doing about it !

In 2004 I founded 7 PARK AVENUE FINANCIAL. At that time I had spent all my working life, at that time - Over 30 years in Commercial credit and lending and Canadian business financing. I believe the commercial lending landscape has drastically changed in Canada. I believe a void exists for business owners and finance managers for companies, large and small who want service, creativity, and alternatives.

Every day we strive to consistently deliver business financing that you feel meets the needs of your business. If you believe as we do that financing solutions and alternatives exist for your firm we want to talk to you. Our purpose is simple: we want to deliver the best business finance solutions for your company.



Monday, May 22, 2017

Asset Based Lending To The Rescue : Bank Loan Called? Special Loans Rescue ? Here’s Your Solution !











Unfriended By Your Bank ? Here’s Turnaround Business Financing To The Rescue


OVERVIEW – Information on financial alternatives to special loan situations . If your bank loan has been called in and your firm is in special loans there are asset based lending financing alternatives available immediately






Bank Loan called? Special loans situation? Trust us; we have heard the joke a hundred times - namely ' being in special loans is not really making your firm feel ' special '! That's why asset based lending is your solution for alternative financing of almost any type. Let's dig in.

Are you a Canadian firm that has had your bank loan called in - that's of course the terminology used by Canadian banks when they terminate a banking relationship due to your firms covenant breaches. In some cases you might just be struggling with that relationship.

Typically ' breaches ' of that relationship revolve around a couple key areas : ratios out of whack , financial losses, cash flow generation challenges, your industry is out of favor ( think General Motors in 2008 - 2009 ) etc . Debt to equity seems to be the most common ' breach ' our clients face when they apprise us of being in a ' special loan' scenario.

What we won't be sharing with you is of course why the bank has acted as they have, that's between you and them. But here's the good news, that there are immediate solutions to the special loan scenario, and they are available to your firm today!

The alternative of course to exiting special loans with a new operating facility is staying in special loans. Not recommended. It might work sometimes - over time the relationship is mended and you go back to your traditional bank financing facility.

However we're assuming your company doesn’t want to stay in a special loan scenario, and you agree that your bank loan called is a reasonable reason to seek turnaround financing.

Clients in, or being told they are going into special loans are always in a minor state of shell shock - A typical reaction is simply ' If my bank has called my loan who else would even consider refinancing us? Again, asset based lending to the rescue.


The reality - replacement financing is available, it may come at the same cost, it may comes at a lower cost, but more likely it’s going to be a higher priced facility until your turnaround strategy is in place .

Two key alternatives are available to your firm, and they come in the form of an asset based lending facility. That typically is a non bank entity, and the specialization is totally focused on their ability to understand that you have viable assets - they typically include receivables, inventory, and fixed assets/equipment.

We say ' two alternatives ' because the size of your operating facility request will determine if you are ready for a true asset based line of credit, or if a working capital facility with a smaller firm is in fact the turnaround financing you need .

Many firms want to exit special loans simply because of the stigma. We don't want to dwell with clients on how you got there; we want to ensure you have a clean exit out with a new cash flow facility that works. That allows you to rebuild your firm and focus on growing and generating profits again.

Several other alternative financing strategies can be implemented to generate cash and working capital in challenging times - they include:

Sale leasebacks

Tax Credit Financing

A/R factoring

PO / Supply Chain Financing

Speak to a trusted, credible, and experienced Canadian business financing advisor who can assist you in your special loans exit strategy via a true asset based lending solution.



7 Park Avenue Financial :



http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 100 Million $ of financing for Canadian corporations .


7 Park Avenue Financial

South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8

Direct Line = 416 319 5769

Office = 905 829 2653




Email = sprokop@7parkavenuefinancial.com



ABOUT THE AUTHOR
Stan has had a successful career with some of the world’s largest and most successful corporations.
Prior to founding 7 Park Avenue Financial in 2004 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 ) He is an expert in Canadian Business Financing.

Stan has over 40 years of business and finance executive experience. He has been recognized as a credit/financial executive for three of the largest technology companies in the world; Hewlett-Packard, Digital Equipment and Cable & Wireless. Stan has had in depth, hands on experience in assessing and evaluating thousands of companies that are seeking financing and expansion. He has been instrumental in helping many companies progress through every phase of financing, mergers & acquisitions, sales and marketing and human resources. Stan has worked with startups and public corporations and has many times established the financial wherewithal of organizations before approving millions of dollars of financing facilities and instruments on behalf of his employers.








Thursday, May 18, 2017

Working Capital Cash Flow Funds: Let’s Get You Started On Your Business Lending Needs












What Would Happen If Your Business Didn’t Have Canadian Business Financing Solutions? You Don’t Want To Know!









OVERVIEW – Information on working capital and cash flow solutions in Canada . Where to access the funds and cash you need for lending that makes sense from a business financing perspective





Cash flow needs is one thing, knowing what lending around working capital funds is available is another! Let's dig in.
Typically business owners/financial mgrs looking for SME COMMERCIAL FINANCE have heard all the buzzwords - cash flow, cash is king, liquidity, you name it, and we’ve heard it. To some those are text book terms - we prefer to focus on the ' real world ' where we live and work and do business. Those daily requirements for managing assets such as receivables and inventory are what it's all about in business survival.

What many business owners and financial managers fail often to realize is that your sales backlog, new contracts, , and your other assets in the business often mask the essence of our topic today, with is liquidity and cash flow to meet your daily financing needs .

Shocker! You can be profitable, have assets, and have great prospects but you inability to manage and finance receivables and inventories and payables leave you in a real cash flow crunch. ‘Cash flow crunch ' - isn't that one of those text book terms?!


The most impact you can make on this problem lies in three of your accounts - they are receivables, inventory, and payables. Payables simply because your ability to slow or delay payables increases cash flow, it's as simple as that. That though, needs to be balanced by maintain proper supplier relationships.

So the decision point comes when you have to decide what your funding needs are and how you will achieve them. Short term? Long Term? Your timeframe becomes important. Borrowing on a long term basis for short term needs never works, and time and time again we meet clients who have ' mismatched ' short term needs with long term alternatives .Don't do that!
We think we have you up to speed now on the problem - les focus on the solutions to the need for that working capital, where those funds come from, and what lending sources can assist you in that cash flow challenge .

Monetizing current assets, not borrowing and incurring long term debt is often a great solution .The one exception to this is a cash flow term working capital loan that in some cases makes sense because you are injecting permanent working capital into the business.

The real solutions to the working capital cash flow challenge revolve around the following - a bank operating facility that margins your receivables and inventory.

Can any firm access bank credit? Not really. Many firms either don't have the financial profile to access this type of facility, or in some cases banks simply don't lend against inventory, or you are often ' capped ' in this regard.
The solution? Asset based lenders who offer asset based lines of credit; a combo working capital financing and cash flow facility that margins your receivables and inventory, but at higher rates than the bank.

Our favorite options for smaller challenged firms is confidential invoice discounting - your ability to finance all you invoices but retaining full billing and collecting ability. Highly recommended.

Another solution? Purchase order financing - This comes at a higher cost but allows your firm to take on significant business it otherwise might have to forsake.

So, there you have it. To recap our bottom line (business owners love the bottom line!) you need to match your financing mix to your own business needs. Solutions you may not even have heard of are available to you now, and your competitors might be using them already.

Speak to a trusted, credible and experience Canadian business financing advisor - identify the need, and implement your working capital solution today!



7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 100 Million $ of financing for Canadian corporations .


7 Park Avenue Financial

South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8


Direct Line = 416 319 5769

Office
= 905 829 2653




Email = sprokop@7parkavenuefinancial.com




' Canadian Business Financing With The Intelligent Use Of Experience '





ABOUT THE AUTHOR
Stan has had a successful career with some of the world’s largest and most successful corporations.
Prior to founding 7 Park Avenue Financial in 2004 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 ) He is an expert in Canadian Business Financing.

Stan has over 40 years of business and finance executive experience. He has been recognized as a credit/financial executive for three of the largest technology companies in the world; Hewlett-Packard, Digital Equipment and Cable & Wireless. Stan has had in depth, hands on experience in assessing and evaluating thousands of companies that are seeking financing and expansion. He has been instrumental in helping many companies progress through every phase of financing, mergers & acquisitions, sales and marketing and human resources. Stan has worked with startups and public corporations and has many times established the financial wherewithal of organizations before approving millions of dollars of financing facilities and instruments on behalf of his employers.








Business Credit For Working Capital








Information on business credit and working capital alternatives for Canadian business. Traditional and or alternative/creative solutions for working capital and cash flow growth




Business credit and working capital are consistently one of your firms largest obstacles to innovation and growth in sales and profits. What can be done via either a traditional or alternative method of ensuring your firm has all the financing you need to generate growth? Let's examine some of those solutions.

You can't find it if you don't know what you are looking for. What do we mean by that? Simply that cash flow, working capital, business financing can be sometimes ' overworked' ' catch all' terms that mean various things to various people. Therefore you must focus on the need first, not the solution. Thankfully those needs can be nicely broken down into several categories as follows: day to day operating capital, immediate growth needs for new opportunities, equipment and asset acquisition, hard asset refinancing.

The easy ' go to ' solution is to solicit chartered bank financing in Canada. Companies with strong balance sheets, profits, established history and additional collateral etc can more often than not find all the financing they need with one of Canada's chartered banks.

That's easy for us to say, but the majority of clients we meet simply can qualify for all business credit and working capital they need to survive and grow. Typically they have some traditional financing but not enough, or, in a more severe case, do not qualify for traditional bank lending in the Canadian landscape.

When the going gets tough, the tough get going goes the expression, so it is a case of getting somewhat ' creative' in your search for working capital.

If your firm has assets and growth prospects we firmly believe you can get most, if not all the financing you need. This financing can be achieved in a number of ways. You can monetize your current assets via a working capital facility for receivables and inventory. If properly set up you should congratulate yourself as you have just negotiated unlimited working capital - because these facilities allow you to borrow on an ongoing basis relative to the size of your current asset investment in accounts receivable and inventory. We referred to generalization of terms such as cash flow, working capital, etc - the lending we have just described is best known as asset based lending, and in many cases can cover off purchase orders and new contracts also.

Equipment financing and sale leaseback financing for new and owned/unencumbered equipment are great solutions to acquire or refinance capital acquisitions. In Canada lease financing is available for all asset and credit qualities for any amount, from 1000.00 to millions of dollars.

Although the majority of clients we discuss working capital needs with are private firms your firm might be public, as a result you might be in a position to consider an equity line of credit, with the equity questions being your stock.

If your firm has revenues under 5 Million dollars and is privately owned you should consider the best financing available in Canada - it's the government BIL/CSBF loan that is underwritten by our good friends in Ottawa. Loans up to 500,000.00$ are available for hard assets such as equipment, leaseholds, real estate, etc. You can even be a start up and qualify. The financing rate is incredible attractive, guarantees are limited, and terms and structure flexible.

Its always about the bottom line, so whats our bottom line today - simply that you need to focus on what type of financing you need, determine if you qualify for traditional financing, and if you don't get creative with a multitude of solutions available.

Confused about the Canadian business financing landscape and what and who is waiting for you out there. Speak to a trusted, credible and experienced business financing advisor who will guide you through the maze to what we believe will be the right solution for your firm.



7 Park Avenue Financial :



http://www.7parkavenuefinancial.com


Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 100 Million $ of financing for Canadian corporations .


7 Park Avenue Financial

South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8

Direct Line = 416 319 5769

Office = 905 829 2653




Email = sprokop@7parkavenuefinancial.com



' Canadian Business Financing With The Intelligent Use Of Experience '


ABOUT THE AUTHOR
Stan has had a successful career with some of the world’s largest and most successful corporations.
Prior to founding 7 Park Avenue Financial in 2004 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 ) He is an expert in Canadian Business Financing.

Stan has over 40 years of business and finance executive experience. He has been recognized as a credit/financial executive for three of the largest technology companies in the world; Hewlett-Packard, Digital Equipment and Cable & Wireless. Stan has had in depth, hands on experience in assessing and evaluating thousands of companies that are seeking financing and expansion. He has been instrumental in helping many companies progress through every phase of financing, mergers & acquisitions, sales and marketing and human resources. Stan has worked with startups and public corporations and has many times established the financial wherewithal of organizations before approving millions of dollars of financing facilities and instruments on behalf of his employers.







Article Source: http://EzineArticles.com/expert/Stan_Prokop/432698


Article Source: http://EzineArticles.com/5118098






Tuesday, May 16, 2017

Financing Accounts Receivable Invoices : Here’s The Best Method Of Factoring Finance ! It’s Confidential !!










You’ve Got Them ! We Know How To Finance Them ! Sales !!



OVERVIEW – Information on confidential factoring financing for your firms accounts receivable investment . How it works and why the ability to turn those invoices into cash will generate cash flow and working capital for your firm





Financing Accounts Receivable Invoices - That's why you're here. You've got sales and we know how to finance them -including the absolute best method of ' factoring ‘; Confidential Receivable Finance. Let's dig in.

There isn't a day these days when we don't meet a client like you who isn't challenged by working capital and cash flow challenges.

So the key basics of factoring financing in Canada, - what you need to know, which is simply:

How does it work?

What does it cost?

What's the best way of doing this?


The good news, your sales are growing .Your clients, as great as they are, are slow to pay. And we won't forget that terrible thing known as' the bulge', which is that seasonal or occasional situation when large sales opportunities loom and you need financing to cover those off. A great problem to have, if you can solve it!

Thousands of Canadian companies can't all be wrong, so there must be something to factoring financing of those invoices, right? We're going one step better and recommending that you investigate confidential invoice financing, which is simply a factor arrangement that has you in control of the show, not the finance firm. And controlling your own destiny is what it is all about.

A/R finance is simply the sale of your invoices to your finance partner firm - you get the cash immediately. It works best when you have some decent gross margins to absorb the 1- 2% financing cost that comes along with this type of financing.

The cost is what most of our clients are worried about , and they are somewhat more happier when we show them how they have the ability to cut that cost in half using that new found cash flow to execute on strategies such as taking discounts with their suppliers and buying in bulk at better prices .

So here comes that recommended secret we are talking about. We call it C I D, which stands for confidential invoice discounting. Here's where you have the advantage over your competitors. 99% of all factor financing in Canada revolves around your factor firm partner billing and collecting your invoices, with notice to your customer.

The Confidential Receivable Financing offering? You bill and collect your own invoices, when you want, when you need the cash. So you have the same pricing as your competitors, but you are on up on how the facility works.

Things we look out for when we originate these financings are areas such as the total all in rate of your new financing facility. Other somewhat technical issues are the advance rate, of what is advanced against the full amount of your invoices.
Some other key issues to look for are the miscellaneous admin fees, the exact calculation your new financing partner uses for their rate, and your ability to terminate the arrangement at no cost. That's important - you never want to be ' locked in’.






Some of these latter issues we mentioned can save you thousands and tens of thousands of dollars of a year, so we recommend you use the service of a trusted, credible and experienced Canadian business financing advisor to ensure you have the best method of factoring financing for your firm.


7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 100 Million $ of financing for Canadian corporations .



7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8

Direct Line
= 416 319 5769

Office = 905 829 2653



Email
= sprokop@7parkavenuefinancial.com



' Canadian Business Financing With The Intelligent Use Of Experience '


ABOUT THE AUTHOR

Stan has had a successful career with some of the world’s largest and most successful corporations.
Prior to founding 7 Park Avenue Financial in 2004 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 ) He is an expert in Canadian Business Financing.

Stan has over 40 years of business and finance executive experience. He has been recognized as a credit/financial executive for three of the largest technology companies in the world; Hewlett-Packard, Digital Equipment and Cable & Wireless. Stan has had in depth, hands on experience in assessing and evaluating thousands of companies that are seeking financing and expansion. He has been instrumental in helping many companies progress through every phase of financing, mergers & acquisitions, sales and marketing and human resources. Stan has worked with startups and public corporations and has many times established the financial wherewithal of organizations before approving millions of dollars of financing facilities and instruments on behalf of his employers.







Monday, May 15, 2017

Asset Based Lenders Might Just Be The Best All Purpose Loan Financing Companies You Need : Here’s Why !








Our Trade Secrets On Picking The Best Asset Based Loan & Line Of Credit




OVERVIEW – Information on asset based lenders in Canada . What loan financing companies offer this type of working capital financing and why it makes sense for your firm to consider it . What is an asset based line of credit explained





Asset based lenders might well be the best suited financial solution to fix your working capital needs.

We know thought that you might be a bit confused about this type of loan financing (It's not really a loan) and you want to know which companies in Canada best suit your working capital needs. So we're sharing, dare we say it, some ' trade secrets’! Let's dig in.

Everything seems to be going ' viral ' these days, and we strongly feel that asset based lines of credit from Canadian asset based lenders are right up there - to put it simply, they are ' trending up ' in popularity .

Understanding the basics around this type of solution is the real challenge. How do you pick the right solution and who do you deal with? That's the business challenge facing business owners and financial mgrs.


So, again, what is the service offering really about when you're looking for an asset based lender? It's actually a bit simpler to understand than you think. Clients we talk to are of course 100% familiar with a bank operating line of credit - that's been available forever - if, and it’s a big if, you qualify.

However, did you know that commercial loan financing companies offer asset based lines independent of our Canadian chartered banks.
They do that based on the true value of your receivables, inventory, and in many cases fixed assets or real estate that don't have other liens on them. Simple as that.

So what exactly is the difference then? Aren't we talking about the same thing here? The key differences are simple and that's why hundreds, probably thousands of firms are moving to this type of working capital and cash flow facility.

The reason why this popularity:

Easier approval

Less external collateral - i.e. none!

Less covenants/restrictions/personal guarantees

More liquidity and borrowing power!

Let's cover off those last two points a bit more; they are the ones that most intrigue our clients who are considering the switch. Asset based lenders approve many firms for either more working capital than the client would have received from a bank , or often times approvals are based on facilities that never would be approved by a bank in any circumstances .

Don't believe us? Actually many firms, even those in special loans or coming out of bankruptcy can, in many circumstances, access asset based lenders. Why? Because they have the one thing an ABL (that's the acronym for the industry) needs: ASSETS! The most typical reason for accessing this credit line is: Growth needs!

Here's what you need to know. We speak of a ' loan ' but keep in mind this is basically an operating line of credit for your firm. The factors that affect who you are best to deal with are as follows - the size of your facility, the current financial situation your firm is in, where you are located, and the mix between A/R, inventory, and those other assets you might have on hand.

These types of facilities work best when they are in the 250k and up range. And by the way, up in our case means anything up to 50 Million dollars, or more!

If your firm doesn't qualify from a size perspective there are still some unique business financing strategies for current assets that makes sense. These include;

A/R Financing

Inventory Finance

PO Finance

SR&ED Tax credit financing

Sale leasebacks


Speak to a trusted, credible, and experienced Canadian business financing advisor. You'll be on the road to improved working capital health in a short time!



7 Park Avenue Financial :


http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 100 Million $ of financing for Canadian corporations .



7 Park Avenue Financial

South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8


Direct Line = 416 319 5769

Office = 905 829 2653



Email = sprokop@7parkavenuefinancial.com


' Canadian Business Financing With The Intelligent Use Of Experience '


ABOUT THE AUTHOR
Stan has had a successful career with some of the world’s largest and most successful corporations.
Prior to founding 7 Park Avenue Financial in 2004 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 ) He is an expert in Canadian Business Financing.

Stan has over 40 years of business and finance executive experience. He has been recognized as a credit/financial executive for three of the largest technology companies in the world; Hewlett-Packard, Digital Equipment and Cable & Wireless. Stan has had in depth, hands on experience in assessing and evaluating thousands of companies that are seeking financing and expansion. He has been instrumental in helping many companies progress through every phase of financing, mergers & acquisitions, sales and marketing and human resources. Stan has worked with startups and public corporations and has many times established the financial wherewithal of organizations before approving millions of dollars of financing facilities and instruments on behalf of his employers.









Sunday, May 14, 2017

Business Financing Alternatives In Canada : Ignore Cash Flow & Working Capital At Your Own Peril











We’ve Primed The Pump On Canadian Business Financing Alternatives



OVERVIEW – Information on business financing solutions in Canada. The ability to access working capital and cash flow solutions to accelerate business growth and profits is key to a long term view of success




Business financing in Canada requires that you ensure that the pump is primed! Ignoring the alternatives you have for cash flow and working capital is done at your own peril, especially in today’s ultra competitive environment. We thought that priming of the pump is a great expression and a good analogy. Let's dig in.

Humorously Donald Trump actually said he invented the phrase! (“Have you heard that expression used before?" Trump continued. "Because I haven't heard it. I mean, I just ... I came up with it a couple of days ago and I thought it was good. It's what you have to do."
But the term is most often associated with 20th century economist John Maynard Keynes, a giant of the field and a favorite of liberals who favored government spending.


Access and mgmt of your working capital and cash flow play a key role in business financing and your firm's growth and overall well being. No one ever argues with us on that one.

Your ability to get financing on items such as fixed assets, a/r, and inventory will ultimately depend on how successful and also how fast your company can grow .

Clients are somewhat amazed when we tell them that we can pinpoint the exact time when they will stop being successful! What do we mean by that? Simply that you have a great little tool to determine when you need that extra capital in your business. Most small and medium sized businesses haven't heard of it, we can assure you larger more sophisticated corporations have a total handle on this one.

So what’s the tool - it's called the Sustainable growth ratio and it's a simple formula that shows you the most your firm can grow without bringing in new capital. For example, if you want to get a shareholder return on your total capital in the business of 20% you can re invest all your earnings and keep your relative overall financial position the same. Want to grow faster, then access more outside capital. Simple as that.

However accessing more capital from the viewpoint of our clients is either difficult or undesirable - Most owners don't want to reduce or dilute their ownership interests, etc.

The choice? It's simply monetizing your business financing assets such as receivables, inventory and unencumbered assets and creating working capital and cash flow via asset turnover.

You create cash flow financing internally be addressing how you both manage and turnover receivables, inventory, and accounts payable.

Accounts payable you ask?! Yes, simply because as you slow your payables you generate real cash flow progress. Naturally there is a fine line here between generating that cash and alienating your valued suppliers!

We never want to be accused of talking about the problems and not the solutions, and we mean real world solutions, not textbook solutions to Canadian working capital financing.

So let's recap the solutions and why and when they might make sense. The easy, quick, go to solution is working with a commercial banker to determine if you qualify for bank financing from an operating line of credit point of view. We surmise that if you have all the access to bank credit you need you wouldn't be here reading our solutions proposed!

Other real world alternatives for cash flow financing in Canada, These include :

A/R Financing

Working Capital Term Loans

Equipment Leasing

Sale leasebacks

Asset based non bank lines of credit

SR&ED Tax credit financing

Mezzanine financing

P O Finance

In summary, we spoke of your desire or inability to attract long term capital to your business, the solution being short term working capital decisions around how you finance on a day to day basis.

Speak to a trusted, credible an experienced business financing advisor on how to access the Canadian business financing you need. Today!


7 Park Avenue Financial :
http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 100 Million $ of financing for Canadian corporations .


7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8

Direct Line
= 416 319 5769

Office
= 905 829 2653



Email
= sprokop@7parkavenuefinancial.com

' Canadian Business Financing With The Intelligent Use Of Experience '

ABOUT THE AUTHOR

Stan has had a successful career with some of the world’s largest and most successful corporations.
Prior to founding 7 Park Avenue Financial in 2004 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 ) He is an expert in Canadian Business Financing.

Stan has over 40 years of business and finance executive experience. He has been recognized as a credit/financial executive for three of the largest technology companies in the world; Hewlett-Packard, Digital Equipment and Cable & Wireless. Stan has had in depth, hands on experience in assessing and evaluating thousands of companies that are seeking financing and expansion. He has been instrumental in helping many companies progress through every phase of financing, mergers & acquisitions, sales and marketing and human resources. Stan has worked with startups and public corporations and has many times established the financial wherewithal of organizations before approving millions of dollars of financing facilities and instruments on behalf of his employers.