Business Financing In Canada : Unearthing Working Capital & Cash Flow Loans

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Survey Says … Your Company Needs Business Finance Working Capital & Cash Flow Solutions

OVERVIEW - Information on business financing in Canada. Knowing when and how to access working capital and cash flow solutions is key to growth and profits

Business finance solutions
in Canada require a good knowledge around your ' current assets ‘. These assets are the key to working capital and cash flow solutions and are tied directly to your ' liquidity ‘. Let's dig in.


Because most firms sell on credit the fundamentals of A/R financing are critical for business owners/financial mgrs. Your ability to time ' cash in' versus ' cash out ' will ultimately determine a good part of the financial success of your business.

Although some might consider a ' cash flow shortage ' an extreme negative the reality might well be that your firm’s success and growth have simply necessitated a higher investment in current assets - namely receivables and inventory. (That’s not to say that cash flow shortages don't necessarily not mean poor mismanagement or poor financing of your assets!)

Needless to saying avoiding the working capital crunch requires some solid knowledge and planning. Remember also that your ability to plan and finance around business capital needs should be your goal. That planning can also revolve around both ' internal ' and ' external' strategies - new financing isn't always the key. That’s the essential business choice - borrow externally, financing your current assets, or raise new owner equity. The latter is often not desirable or in fact possible.

As we have said, never forget also that a good focus on solid A/R collections strategies and inventory turnover and management is key. Often forgotten is the ability to generate positive cash flow from better payables and supplier credit line mgmt.

So what are those current asset financing strategies? They include:

A/R Financing

Bank business credit lines

Non bank asset based revolving credit facilities

Tax Credit finance

Purchase Order Financing

Inventory Loans


All A/R financing solutions have a cost to them, whether they are traditional (' bank ') or ' alternative in nature. solutions such as Confidential Receivable Financing offer the same benefits as bank credit lines for those firms not eligible for that type of facility.


What then is the essence of solid cash flow and working capital finance? We think it’s the owner/finance mgr ability to:

1. Know the difference between internal or external solutions to business capital

2. Knowing how your overall all cash flow operating cycle works

3. Understand the various traditional or alternative capital solutions that will provide liquidity to your business

Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can help your firm ' unearth' the right capital solutions.



Stan Prokop - founder of 7 Park Avenue Financial –

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years - Completed in excess of 100 Million $$ of financing for Canadian corporations . Core competancies include receivables financing, asset based lending, working capital, equipment finance, franchise finance and tax credit financing. Info & Contact Details :
http://www.7parkavenuefinancial.com

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.


Stan Prokop