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SME Finance, (that’s ' small to medium enterprise ‘), aka ' small business finance ' , in Canada no doubt requires a fix (or fixes?) of some sort. Getting a tailor-made business financing solution for the loans and cash flow solutions you need is not easy, but where there's a will there's a way. Let's dig in.

Alternative financing solutions for small business lending are a new and appealing part of the Canadian business landscape.

 These solutions are of course available to any firm, both public and private, but we're quite sure the majority of firms that use these solutions are privately held.

At a certain point in time, business owners come to that turning point where equity no longer works and debt or cash flow solution decisions around a company loan must be made. Now ' leverage ' seems to make a lot more sense than equity dilution.

Monetizing assets for cash flow, as well as securing working capital allows your firm to consider growth projects to enhance both sales and profits. In some cases you might be making investments in new marketing strategies, in other cases your company might be investing in research and development.  ( Don't forget to check out the Canadian Governments SR&ED Program - and by the way, you can finance those SRED Tax credit refunds !)


Many businesses find themselves in unexpected situations where they have maxed out on the liquidity available to them from current lending sources. That is the time to consider either cash flow or asset monetization solution. Cash flow solutions are best suited to firms that are unable to offer up additional collateral to lenders. They also place much less emphasis on the proverbial ' personal guarantee ' required by almost all lenders when it comes to borrowing in Canada. 


Working capital loans come in two flavours - short term loans that typically are repaid in one year, and of course longer-term loans that typically have a maturity of  3-5 years, and sometimes longer. These short term loans have become very popular with thousands of firms, and are a spin-off of the ' merchant advance ' industry which flowered in the United States and then moved into the Canadian domain.


Whether its a short term loan or one that matures several years out a good lender will work with you to tailor repayments based on your current cash flow inflows.
The danger in working capital type loans comes from how these funds are deployed - typically shorter-term loans should be used to augment your day to day working capital, and they should not be invested in asset procurement/capital asset purchases.


Working capital loans make sense if you have good sales; many firms use this financing simply because they are growing too fast and traditional chartered bank financing is not available. In certain cases, companies may wish to capitalize on short term opportunities that have arisen around inventory volume discounts, or large orders received from new or existing clients.


All businesses that sell on credit carry receivables, and there is a cost to that, as the buildup of both a/r as well as inventory places pressure on the investments you carry in receivables and inventory as sales grow. That's why it is important to focus management on good inventory turnover as well as the prompt collection of receivables, leading to a better ' days sales outstanding - DSO '.

Alternative finance for a small business capital loan and asset monetization from financial institutions is almost always more expensive than bank debt. But from the owner/entrepreneurs point of view working capital and cash flow cost far outweigh equity /ownership dilution - especially for growing firms with promise.

Let us not forget also that even established firms with relatively good financials often can't ' tap ' the financing they need. And going the VC/Private Equity route makes sense only for the smallest % of Canadian business

WHAT COUNTS AS COLLATERAL FOR A BUSINESS LOAN?

Typical collateral for a business loan in Canada revolves around accounts receivable, inventory, and fixed assets. When dealing with a senior lender for business capital they will typically collateralize these assets for securing the loan/financing.

So what are in fact some of those ' tailor-made' solutions that might be highly applicable to your business finance needs when it comes to small business loans  and business lending Canada

 

What types of business cash flow loans can a business use to finance their business?

Factoring

Confidential Receivable Financing

Inventory loans

Bridge loans

ABL loans (non-bank asset-based business lines of credit)

Equipment leases/sale-leasebacks

Unsecured cash flow loans - cash flow based lending

Govt Guaranteed Small Business Loans -  Business loan new business

Sales Royalty Finance

SR&ED Tax credit financing

WHAT IS CASH FLOW FINANCING

Important Point: Owners/ financial managers should understand the following about loans for small business

1. In some cases, these alternative finance solutions can be combined or added on to one another - example: term loan and cash flow facilities

2. In some cases it's possible to have traditional bank financing in place as well as an alternative financing vehicle backstopping your bank facility

3. While the majority of these solutions are almost always used to finance operations and growth it's important to note that they can also be used to acquire a company or to finance management or leveraged buyout

If you're looking for the right ' fix' or a ' tailor-made' solution for your business financing needs in Canada seek out and speak to a trusted, credible and experienced Canadian business financing expert to fully understand the requirements and benefits.





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

Direct Line = 416 319 5769

Email = sprokop@7parkavenuefinancial.com

http://www.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.

' 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. 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/2020

SME Finance Loans Cash Flow Business Financing Solutions

Looking To Fund Your Business ? 5 Tips On Start Up & Small Business Finance Companies And Banking In Canada

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Information on Small Business Finance , business finance companies and banking in Canada

It sometimes seems that when you're bigger things always seem a bit easier - not always but most of the time.

That’s why when you are looking to fund your business and you're a small to medium sized business owner or financial manager knowing which firms and finance companies are appropriate to deal with seems like a challenge. And business banking from a borrowing perspective seems like a huge challenge.

And another thing, if it’s not all the time, it’s sometimes, because at certain points in your company's growth and history you are looking for business funding of some sort. What are the options - who can you turn to? Never fear... real world advice is here!

Business financing to either start or grow your business is available in a variety of ways and solutions. Let's examine 5 key topic areas.

The number 1 solution, as perceived by many business people is banks and commercial credit unions. However, perception is certainly not always reality as many have discovered. However if you are in a position to demonstrate to the bank that your own pockets (i.e. your own money!) is committed to the business then they are certainly a good place to start.

Want to know who we think is the absolute best bank in town? We’re sure you do, and here’s the answer, its one that houses a banker who is committed to grow and understand your business.

One of the best programs offered by the bank is co sponsored by the government, it’s the SBL loan program, providing you with great rates, terms and structures, and even limited personal liability for the financing.

Point # 2 -There isn’t a day when we don’t get a call asking us for some assistance on government grants. There are probably hundreds , if not more , of government grant programs - our own opinion is that they are often difficult to qualify for and at the same time chances of approval on non repayable funds is , suffice to say, slim . We will add though that the SR&ED program is probably the best program in this area, although its not a grant per se. Check it out though if you feel you qualify.

Grant programs are often targeted to very specific cultural or environmental issues , and many come with strings attached, such as matching funds only, etc.

So focus on getting sources of capital to borrow, not give you!

Point # 3- Talk to a Boy Scout. That’s because that organizations motto of ' BE PREPARED ' runs very true in business. Your ability to present yourself, your background, your historical, present and future financials is critical to obtaining business financing from finance companies and banks in Canada. Many clients seem either overwhelmed with how to do this properly, or quite honestly just aren’t qualified. We are all experts inn our own area of expertise, right?

Solid professional assistance from your accountant or Canadian business financing advisor is steps away, and at a nominal cost, all things considered.

Tip # 4- We all know whats in it for us when we borrow funds in a banking or non banking facility. But whats in it for the lender? Never forget that point. Finance companies in Canada are based around risk and reward. Most business owners don’t realize that business financing in Canada is available from a rate of 3% per annum to 3% per month. All types of assets can be financed or monetized. Companies in bankruptcy proceedings can even borrow at low rates. It’s all about the assets, the rate of return, and how you put together your business funding request.

Tip # 5- Always is prepared to deliver on some level of owner equity, i.e. your own contribution into the business. That can be via a cash injection, retained earnings in the business, or assets that aren’t already collateralized.

So, Canadian business financing . It comes in many forms. Receivable financing, equipment finance, working capital cash flow loans, asset based lending, franchise financing, tax credit finance, etc.


Speak to a trusted Canadian business financing advisor on how to fund your business, and which finance companies and banking partners are appropriate for you.







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

Direct Line = 416 319 5769

Email = sprokop@7parkavenuefinancial.com

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 .

' 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

SME Finance Solutions For Canadian Business : Business Financing For Company Loans & Cash Flow Requirements

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How To Fix Your SME FINANCE Needs In Canada : Tailor Made Loans & Cash Flow Solutions

OVERVIEW – Information on business financing in Canada. SME Finance solutions are more relevant than ever in your search for cash flow nirvana and loans that make sense

SME FINANCE (that’s ' small to medium enterprise ‘) in Canada no doubt requires a fix (or fixes?) of some sort. Getting a tailor made business financing solution for the loans and cash flow solutions you need is not easy, but where there's a will there's a way. Let's dig in.

Alternative financing solutions are a new and appealing part of the Canadian business landscape. These solutions are of course available to any firm, both public and private, but we're quite sure the majority of firms that use these solutions are privately held.

At a certain point in time every business comes to that turning point where equity no longer works and debt or cash flow solution decisions must be made. Now ' leverage ' seems to make a lot more sense than equity dilution.

Alternative finance loan and asset monetization is almost always more expensive than bank debt. But from the owner/entrepreneurs point of view working capital and cash flow costs far outweigh equity /ownership dilution - especially for growing firms with promise.

Let us not forget also that even established firms with relatively good financials often can't ' tap ' the financing they need. And going the VC/Private Equity route makes sense only for the smallest % of Canadian business

So what are in fact some of those ' tailor made' solutions that might be highly applicable to your business finance needs. They include:

Factoring

Confidential Receivable Financing

Inventory loans

Bridge loans

ABL loans (non bank asset based business lines of credit)

Equipment leases/sale leasebacks

Unsecured cash flow loans

Govt Guaranteed Small Business Loans

Sales Royalty Finance

SR&ED Tax credit financing

Important Point: Owners/ financial managers should understand the following:

1. In some cases these alternative finance solutions can be combined or added on to one another

2. In some cases it's possible to have traditional bank financing in place as well as an alternative financing vehicle backstopping your bank facility

3. While the majority of these solutions are almost always used to finance operations and growth it's important to note that they can also be used to acquire a company or to finance a management or leveraged buyout

If you're looking for the right ' fix' or a ' tailor made' solution for your business financing needs in Canada seek out and speak to a trusted, credible and experienced Canadian business financing to fully understand the requirements and benefits .


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

Alternative Financing In Canada : Cashing In On SME Commercial Finance Solutions

Alternative Financing Is Not The Wild West Anymore – Here’s Why & How SME Commercial Finance Solutions Work

OVERVIEW – Information on alternative financing solutions in Canada . SME finance needs are often not being able to be fully met by traditional banking solutions

Alternative financing in Canada may seem to some like a bit of the ' wild west ‘, but the reality is that SME finance has dramatically changed the landscape of the commercial loan market in Canada . What are some of these solutions, what do they cost, and how do they work? Let's dig in.

Commercial finance firms and alternative financiers are for the most part unregulated businesses. While that might seem to some as that ' wild west connotation the reality is that they simply arent subject to a lot of the reporting and lending rules that Canadian chartered banks are subject to .

These firms are also perceived as more ' nimble ' and the bottom line is that they are more willing and likely to lend to businesses (and in a much speedier fashion!) - The trade off is usually a higher cost of borrowing. In essence it's a question of ' access' to capital, not ' cost' of capital.

Though borrowing rates are still at historic lows in Canada there's no mad rush by traditional lending institutions to finance firms that are in start up mode, or experiencing ' challenges '.

We think the real trick of understanding the world of alternative finance solutions (a/r financing, inventory finance, tax credit financing, sale leasebacks, equipment financing, po /contract finance / asset based lines of credit, sales royalty financing, merchant advances) is really all about how to manage the cost and debt and ensure these financing mechanisms are used properly to generate cash flow and profits.

Some top experts in the U.S. have actually termed these alternative finance firms as ' shadow banks ‘. Whatever one calls them they certainly deliver capital quickly.

Alternative finance solutions in the SME sector almost always work best when they are funding sales and assets. Being able to monetize those to aspects of a business is really the key to working capital solutions.

A/R Financing is probably one of the clearest ways to explain the alternative lending solution in Canada. As businesses generate sales it's a pure reality that commercial business customers will not pay your firm for anywhere from 30-90 days.

The ability to cash flow this liquid asset (receivables) within 24 hrs and use the capital to pay suppliers, purchase inventory, thereby selling more is a great use of capital. Picking the right A/R financing solution (we recommend CONFIDENTIAL A/R FINANCE) allows the business to bill and collect its own receivables, mirroring the exact way in which a traditional bank credit line would run.

If you're focused on ' cashing in' on new business financing alternatives seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can assist you with your borrowing needs .




Stan Prokop - 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 90 Million $ of financing for Canadian corporations . Info /Contact :

7 PARK AVENUE FINANCIAL = CANADIAN ALTERNATIVE FINANCING SOLUTIONS


Have A Question /Comment On Our Blog Or Canadian Business Financing Alternatives ?

CONTACT:
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

SME Finance Commercial Financing Options In Canada : Reshaping Business Loans And Finance Solutions

Looking For Extra Strength Canadian Business Financing in The SME COMMERCIAL FINANCE sector ?

OVERVIEW – Information on SME FINANCE solutions and commercial financing options in the small to medium enterprise sectors of Canadian business. What loans and asset monetization strategies make sense




Commercial financing options in the SME Finance area are constant challenges to business owners and financial managers. The ' SMALL TO MEDIUM ENTERPRISE area of the Canadian business is often touted as driving the economy - why then are loans and asset financing strategies often hard to come by - or are they ? Let's dig in.

Business owners and financial managers need to adapt to the changing face of business finance in Canada. Success in business comes from many aspects of management. and financing is certainly one of them.

You only need to talk to any one in this sector to realize they often feel they are highly UN - supported by Canadian banks. That's somewhat ironic of course given the stellar international reputation of our banking system. In fact top experts tell us that the ‘mortality rate ' in the SME sector is often higher and places all the challenges of business on a single owner or partnership.



So are those financing options in fact ' limited ‘. Not necessarily. One or any number of the following options can help propel a business to growth or profits. They include - but are not limited to:

A/R Financing / Confidential Receivable Financing

Government Small business loans - Guaranteed by Ottawa

Working Capital Term Loans

Equipment Financing

Sale Leaseback strategies

Franchise financing

Non bank asset based lending

Unsecured bank loans

Mezzanine financing

Royalty /Revenue strategies

Asset based non bank lines of business credit

Inventory Financing

PO / Contract Finance

Tax Credit Financing - (SR&ED / MEDIA tax credits)

SME owners don't always necessarily have the same goals as larger corporations - many are owner income driven, and issues such as productivity or asset growth aren't necessarily top of mind.

SME's typically have a ' life cycle ' associated with them - i.e. product /service development, early growth , hyper growth, mature, etc. Understanding where your company or business is in that cycle allows the business owner, when he or she has the right expertise, to match financing to challenges.

Choosing the right type of financing is often part of the ' risk ' decision. The amount of personal control via taking on debt, personal guarantees, or having to provide outside collateral are all key factors that need to be tabled and discussed. While a large corporation might consider growth with significant risk the an SME owner may simply not want to take on that additional worry

If you're looking to ' reshape ' your firms financing and need that extra ' bench strength'

seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you in matching financing , risk , and success to your business goals.







Stan Prokop - 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 90 Million $ of financing for Canadian corporations . Info /Contact :


7 Park Avenue Financial = CANADIAN SME COMMERCIAL FINANCING EXPERTISE






Have A Question /Comment On Our Blog Or Canadian Business Financing Alternatives ?

CONTACT:

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

Commercial Business Financing In Canada: Dispatches From The Field On SME Finance Options

Commercial business financing in Canada Shouldn’t Require a Quantum Jump

OVERVIEW – Information on commercial business financing options in Canada. The SME Finance sector has numerous options available to new and existing businesses in the Canadian marketplace




Commercial business financing options in Canada shouldn’t ( but unfortunately often do ) require a quantum jump in effort and time , so when it comes to SME commercial finance options just consider us your ' reporter in the field trenches' with some suggestions to fix financing challenges with solutions that make sense. Let's dig in.

Most private, independent business owners in Canada recognize the need for financing choices. We would add though that sometimes companies quite large and famous have their own challenges - they often might wish they were able to be as nimble as does the smaller firm grappling with cash flow, working challenges, and debt structure .

In the SME financing sector in Canada, including start ups by the way, one partner in finance that many business owners/financial managers don't consider is the Canadian government via the GUARANTEED SMALL BUSINESS LOAN program. Although it caps out at 350,000$ that' still a healthy amount to finance start ups, equipment needs, leasehold improvements, and even real estate. When it comes to real estate the program actually allows a limit of 1/2 Million $.

Franchise finance can more often than not be successfully achieved through the same program, a fact certainly not known or recognized by all.

For any established business the criteria to get true traditional low cost bank financing couldn’t be more straightforward.-

Clean balance sheet
Reasonable debt to equity
Profits
Positive cash flow coverage
Shareholder guarantees and additional collateral coverage

The bottom line - easier said than done in many cases, right?

When Canadian business financing is required the ' go to ' is obviously bank financing. When that can't be achieved either the govt SBL/BIL program, or alternative commercial financing from non bank entities make sense.

What then are those solutions? They include:

Receivable financing

Inventory finance

Purchase Order/Contract financing

Tax credit bridge loans

Equipment financing for fixed assets/technology/production assets/Rolling stock

Asset based business lines of credit (' ABL’)

How you make money and how you turnover assets is key in financing success. It's critical to maintain a strong handle on those ' working assets' - those assets that turn into cash after you effectively manage inventory and A/R.

Many business owners/managers find themselves in a state of ' limbo' as they wait for clients to pay - especially if they have a long cycle in their business, and that isn’t even taking into account the risk of bad debt.

The way you manage, and therefore are able to finance your A/R and inventory will reflect more often than not in your competitive stature in your industry.

Want a great tip? - try and manage your business to reflect an ongoing trend of lower A/R as a per cent age of your sales. Easy to track and will almost always guarantee profit and cash flow success.








Whether you're a start up or a large firm struggling for the ' nimbleness ' of SME Commercial Finance options seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can assist you in you commercial business financing needs.




Stan Prokop - 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 90 Million $ of financing for Canadian corporations . Info /Contact :


7 Park Avenue Financial = SME COMMERCIAL FINANCING OPTIONS IN CANADA




Have A Question /Comment On Our Blog Or Canadian Business Financing Alternatives ?

CONTACT:

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