Funding For Lenders - Lender Loans Financing Solutions
Like most firms with a specific financial offering to your clients, you want to ensure you have a customized lender finance solution to your ongoing capital needs. The ability to grow a financial firm as in either the consumer or commercial space while maintaining flexibility is Job 1!
While lending by banks, such as our Canadian chartered banks or traditional insurance companies might be the obvious choice for low-cost capital, numerous factors might prohibit your firm from accessing bank credit facilities. The 7 Park Avenue Financial team will ensure a solid understanding of your current portfolio and future needs - in a business that is all about liquidity, we will take the time to understand your product offering and business model around its assets/loan receivables
Specialty Finance / loan provider opportunity has never changed so fast and so quickly when it comes to who is a lender in these times - Whether it's a global financial crisis or a Pandemic or changing technologies finance companies are constantly challenged - they want flexibility in capital and interest rates commensurate with their overall credit quality. Companies such as your want to unlock portfolio value, maximize liquidity, and grow!
THE LENDER FINANCING PROCESS
Typical funding needs revolve around either a revolving operating facility or a term loan structure - what makes sense for your firm .. or is it time to change and re-evaluate your current funding model. In some cases, it might be taking our current private investors or creating a partial liquidity event for owner/ owners. In all cases, it's the collateral value of the present and future portfolio that will drive your funding capability.
WORKING THROUGH THE LENDER FINANCE PROCESS
The ability to demonstrate collateral value in our portfolio will maximize funding eligibility. Monetizing current facilities allows for additional funding to allow the portfolio to grow via your current and prospective marketing strategies.
ARE YOU FINTECH? TRADITIONAL LENDER?
Over a period of time 2 major classes of finance companies have emerged in the Canadian landscape. We can broadly characterize them as ' Fintech' or Traditional. Which one is your firm? No doubt both models employ and capitalize on numerous online marketing activities.
In some cases, management might be considering an equity investment - in other cases, a more traditional term loan structure that has defined minimum drawdown of approved facilities and repayment structure to your business model and cash inflows.
The other major alternative to a term loan structure is revolving facilities. The revolving facility's appeal is the ' pay for what you use ' business model as you generate loan growth knowing you can increase profitability with the confidence of a line of credit backing loan growth in your facility - versus fixed-term loan payments on a senior loan scenario. Whatever model you chose will allow your company to grown and maintain portfolio equity.
EQUITY OR DEBT
The aforementioned equity option, by its nature, is a more costly form of business capital, thereby giving up your firm's stake in future profits as the portfolio grows or matures. Business financing is a constant balancing risk, though, and equity will always enhance traditional borrowing power. Sources of funding can best be summarized as combinations of owner equity/commercial finance facilities from non-banks or traditional bank funding.
In some cases your firm may be looking to merge with or acquire another firm , or you may be starting a finance business and looking for both a working capital component as well as loan book funding.
UNDERSTANDING THE BASICS - YOUR LENDING FINANCE SEARCH
In the current low rate environment of the North American, even global economy, the offering of all-time fixed low-interest rates has tremendous appeal to commercial borrowers seeking lender finance solutions. That ability to still pick either a revolver or loan provides maximum repayment flexibility.
WHAT TYPE OF FUNDING DOES YOUR COMPANY PROVIDE?
The explosion in business and consumer financing services for Canadian borrowers as well as the partial exit of the ' bank lender ' has created a broad competing playing field for :
Short Term Working Captial Loans
Merchant Advance
Accounts Receivable / Factoring
Refundable Tax Credits ( SR&ED/Film/Mining)
Equipment Financing
Asset Based Lending
Non franchise Automotive
Online / Peer To Peer / prime and subprime credit quality
SAAS / Recurring Revenue
Strata/Condo Financing
Captive Retail Finance
Other ' Esoteric ' Specialty Finance Providers!
TALK TO 7 PARK AVENUE FINANCIAL ABOUT YOUR FINANCING NEEDS
You are looking for specialty finance expertise and insights into solid funding possibilities whether your firm is early-stage or mature. If lenders have the management team, business processes, and a track record of portfolio performance we want to help you grow. Borrowing from non-bank regulated capital allows your firm to be more creative in its market offering.
We want to be a proactive partner in your lender finance needs. Our long-term track record in business financing success and our understanding of different business models will help ensure you can access growth finance in your portfolio. In lender financing, it's all about leverage and access to capital to fund future growth.
Seek out and speak to 7 Park Avenue Financial, a trusted, credible and experienced business financing advisor who can assist you with lender loan solutions that fit your business needs.
7 Park Avenue Financial :
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8
Email = sprokop@7parkavenuefinancial.com
Click Here For 7 PARK AVENUE FINANCIAL website !
7 Park Avenue Financial provides value-added financing consultation for small and medium-sized businesses in the areas of cash flow, working capital, and debt financing.
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.
Stan has had a successful career with some of the world’s largest and most successful corporations. He is an experienced
business financing consultant
.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 financing 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.
Click here for the business finance track record of 7 Park Avenue Financial
Stan Prokop
7 Park Avenue Financial/Copyright/2021
