Financing Loan Solutions In Canada : Financial Reality 101 Around Capital Finance Loans & Cash Flow

Don’t Let Your Business Financing Be A Fruitless Endeavor

OVERVIEW – Information around financing loan solutions in Canada. Capital finance loans and other forms of working capital and cash flow solutions

Financing loan solutions in Canada, more commonly in the SME Commercial finance sector, often have business owners/financial mgrs feeling like they are in the middle of a fruitless endeavor. Addressing the financial reality around their capital needs is critical to business success and growth. Let's dig in.

If there's any good news around that search for business loan financing it’s that the real solutions you need come in many forms- that includes the actual profits in your business, equipment finance, revolving credit lines, commercial mtges, etc. Some firms also undertake the search for equity capital - an even more daunting challenge.

The search for capital finance loans and other forms of financing involves understanding what is determining those needs. Some of those factors include:

The size and growth of your company

Stage of product or service development

Asset turnover in receivables / inventories/ fixed asset needs

The seasonality around your business

Issues particular to your industry

At any event at a certain point the owner/mgr is confronted with the need to obtain external financing. That need is even more exacerbated if financial losses are eroding owner equity.

Many clients we meet are often incorrectly focused on ' loans ' in the sense of taking on new debt when in fact the real need is for 'liquidity' in their business assets. It's those liquidity solutions that smooth out the day to day needs of your business. Those ' cash flow ' (not debt) solutions include:

A/R FINANCING

INVENTORY LOANS

TAX CREDIT FINANCING

BANK OR NON BANK REVOLVING CREDIT LINES (Non bank business credit lines are called ' ABL’s)

SALE LEASEBACK STRATEGIES

These above noted solutions take the day to day ' scrambling' out of your constant cash flow needs. Top experts and studies have revealed that almost 50% of ' capital needs' of a business are often solved by utilizing these solutions.



By the way, focusing on debt and not cash flow when your firm is not profitable is precarious at best. Also many business owners /mgr's are not comfortable with the covenants and restrictions that come with term debt - especially bank requirements that also come with personal guarantees and outside collateral needs.

Another issue adding to the conundrum of finance loan needs is the myriad of new entrants into the business loan market. They are certainly giving banks a run for their money! Many of these solutions no long even require the age old ' eye to eye' contact prevalent in commercial lending.

If you're focused on financing loan solutions and cash flow requirements for your business and want clarity on capital finance loan needs via banks and other commercial lenders seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success
who can reverse that feeling of fruitless endeavor experienced by many in Canadian business financing .


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 . Info /Contact :

7 PARK AVENUE FINANCIAL = CANADIAN LOAN FINANCING EXPERTISE


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 '

Stan Prokop

Looking For Loan Or Lease For Business Financing ? Finance Your Canadian IT & Industrial Assets

Canadian Business owners and financial managers want to be in a position to benefit from lease for business financing. Whether it’s a lease for industrial or IT (information technology) assets the goal is to achieve or maximize the benefits of the assets via use.

Asset financing in Canada consumes capital - and a lease for business financing simply is your alternative to that capital consumption, it conserves working capital and cash flow.

The good news about asset and lease financing in Canada is that it covers all types and sizes of assets. At the end of the day the collateral value of the asset , including software by the way , as well as your firms general credit quality drive the lease financing decision from the viewpoint of your new business financing partner, the Canadian lessor .

In the 2011 environment equipment financing and leasing is on a roll, and that’s an understatement! The industry is back up off its back, having survived the 2008-2009 recession and global financial implosion. The only decision you have to make is quite frankly to find the right lease partner. That choice in an of itself can often make or break your success in a lease or financing loan. (Sometimes a bridge loan is a solid alternative to an equipment lease financing.)

Quite frankly the challenge many clients face is simply knowing where and how to find the right lease financing solution, whether it be for industrial or IT assets to compliment their asset financing strategies. Lease companies in Canada cover a broad spectrum - some are bank based, some are independent, with either U.S. or Canadian ownership, and some actually are foreign based.

It is highly recommended to work with a lease partner that knows both your industry and is also the type of assets that you wish to finance. This becomes your goal and is often a challenge for many Canadian business owners and financial managers. Don't forget that when a lessor understands your industry and your asset you have a significantly higher chance of reaching what we term ' lease nirvana “. What's that? Simply financing that has the right rate, term and structure for your firms needs and cash flow requirements.

Although your firms credit quality often plays a key consideration in a lease for business financing approval it’s also the value of the asset that drives that final credit decision. Customer with less than stellar credit, even start ups by the way, have a solid chance to obtain lease equipment financing simply by virtue of the value of the asset they are acquiring. And that’s a good thing.

Key issue to consider when acquiring an asset, either industrial or IT in nature are the term of the lease, the ultimate disposition of the asset - (keep it? Re finance it? Return it? ) and how a lease financing loan works into your overall finance strategy.

Looking for the ideal lease for business solution in Canada? Speak to a trusted, credible and experienced Canadian business financing advisor to determine how you can benefit from Canada's most popular form of business asset financing.





CANADIAN BUSINESS FINANCING
7 PARK AVENUE FINANCIAL
http://www.7parkavenuefinancial.com/lease_for_business_industrial_it_financing_loan.html