Franchising Opportunities : Best Lessons For A Franchise Business Loan

The ‘ Big Reveal’ On Franchise Financing Options In Canada

OVERVIEW – Information on how Canadian entrepreneurs can address franchising opportunities via the proper type of franchise business loan in Canada






Franchising opportunities in Canada require... you guessed it... a franchise business loan of some sorts. Easy to say, somewhat harder to finalize. Let's examine some key points and lessons we've shared with franchisees in their search for ' the big reveal' around achievable franchise finance success. Let's dig in.

The type of franchise you select, i.e. ' the opportunity' part of your vision will often dictate the type and amount of financing you need. Depending on the nature of your chosen franchise you will need capital for one or all of the following -

Franchise fees

Equipment

Leasehold Improvements

Working Capital / Royalty fees

For the majority of clients we work with they typically incorporate the actual franchise fee as part of their own capital /equity investment in the business - in effect its part of that ' down payment '.

Most franchisors, often based primarily on their own experience have a strong sense of the total amt. of capital needed to be successful. With the amount of disclosure franchisors are required to make these days the benefits to the franchisee are clear - so doing your homework in investigating the potential financial success of your business is key.

Repayment for equipment and leasehold needs will typically come from the ongoing cash flow in your franchise. You of course know that, but the goal is to prove that to your lender/lenders. In Canada those lenders are either specialty franchise lenders, banks via 2 types of specifically tailored programs, and misc asset and working capital firms in the general category of leasing companies or working capital providers.

Your ability to prove repayment for your loans will come from your business plan and cash flow forecast. It's an investment of time (with minimal cost) that will prove to your lender/lenders your ability to repay term and operating debt.

Most franchisees most certainly are not accountants, but spending some time understanding some basics around cash flow, break even, and contingencies is a highly recommended pursuit. Advice in this area can easily come from your accountant, business advisor, even other franchisees you may choose to meet and talk to.

In the majority of franchise financing in Canada very little outside collateral is required. The franchise reputation, your business plan, your initial equity investment will more often than not carry you to reasonable chances of success. Lenders will though want to know how you have run your personal finances (credit bureau scores, net worth statements, etc) - lenders can be forgiven for treating most franchises as start up businesses with the risk that comes with any start up.

If you're looking for the ' big reveal' on the truth around basic franchise financing in Canada 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 making the entrepreneurial dream a financeable
reality.





Stan Prokop - 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Business financing for Canadian companies , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded in 2004 - Completed in excess of 90 Million $$ of financing for Canadian corporations . Info re: Canadian business financing & contact details :

7 Park Avenue Financial = Canadian Expertise In Financing Franchise Opportunities






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

Remove Business Working Capital Action Paralysis : Understanding Commercial Financing Options

You Are Looking For A Simpler Plan For Business Financing Solutions

Information on business working capital solutions in Canada. The right commercial financing company removes the ‘ capital’ obstacle




Business working capital often creates somewhat of a state of ' paralysis' for many business owners. They are almost ' caught in the crosshairs'

when it comes to understanding their commercial financing options and demystifying the complexity around the need for those solutions. Is there a simpler way? Let's dig in.

Top experts tell us that when it comes to the SME Commercial sector of business in Canada owners and managers often don't realize the impact of a lack of working capital and cash flow until it's a bit too late sometimes.

In some cases, quite remarkably, they are not even aware of all of the traditional and alternative options they have available to them. They also are often not aware of both government and commercial financing programs that could potentially provide them with the funding options they need.

It is of course not surprising that almost half of business owners or their financial managers tend to only think only of their existing ' bank ' as the sole source of their financing solutions. Financial advice and solutions arising out of that advice also often comes from their accountants , searching the internet for ' Canadian business Financing ', and finally engaging a hopefully trusted, credible and experienced Canadian business Financing Advisor with a track record of success in business working capital solutions .

We recently read a study that indicated that over 60% of business owners stated that at certain times of the year they always need extra funding. That of course could come from seasonality in their business, ' bulge' situations that arise out of large contracts or orders, etc.

That type of short term cash crisis always demands funds and it’s often a case of simply surviving, let alone focusing on long term growth of the business.

Fortunately, or unfortunately? many business owners/managers often rely on their suppliers and vendors as a source of cash - they of course do that by maximizing their supplier credit facilities and then delaying payments as long as they can.

Technically speaking increasing payables in fact does enhance cash flow from operations, but it is often at the risk of the key relationships you need from major suppliers and vendors.

It (almost) goes without saying that your ability to play business working capital financing is really what needs to be done. In the case of cash flow fixed term debt is rarely the solution, so the business owner should consider the following solutions:

Receivable Financing
Inventory Finance
Purchase Order/ Supply Chain financing
Chartered bank business credit lines
Non bank asset based credit facilities (‘ABL’)
Tax credit monetization

Any one or a combination of the above solutions enhances cash flow especially when you are in fact growing your business.

Understanding the impact of commercial financing solutions is key to business working capital. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you in unraveling the paralysis that often comes from understanding your working capital options.





Stan Prokop - 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Business financing for Canadian companies , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded in 2004 - Completed in excess of 90 Million $$ of financing for Canadian corporations . Info re: Canadian business financing & contact details :

7 Park Avenue Financial = Canadian Commercial Financing And Working Capital Option 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

Stan Prokop

Alternative Funding Options Stand Up For Your Company When New Sources Of Financing Are Critical

Would You Consider Alternative Financing As A Source Of Funding For Your Business?

OVERVIEW – Information on alternative funding options in Canada. Sources of financing you may not have considered can provide your company with cash flow and capital you need to survive and grow





Sources of Financing in Canada can of course include alternative funding options that are typically non bank solutions. What are some of these finance solutions, When do these make sense for your firm, what are the costs, and how do they work? Let's dig in.

A company can find itself in need of alternative financing for many reasons. Whatever the situation may have been the end results seems more often than not to always come back to issues revolving around sales, profits, and cash flows. So at that point it of course still needs to ‘pay its bills' as well as hopefully grow.

What then are some of the actual sources of alternative finance and where do they come from. In some cases they might be obvious commercial financing vehicles ; other times owners might not consider less obvious sources of financing which might include working with vendor/suppliers , landlords which are uniquely part of the cash flow and creditor/debtor relationship.

We could call those internal type relationships and solutions; but when it comes to external solutions they are as follows:

Commercial financing companies

Insurance Companies

Specialized divisions of Canadian chartered banks

Government and Crown Corporation financing

Asset based lenders

Equipment financing firms

Mezzanine lenders


If your firm can work with any or a combination of these entities the following solutions are potentially available:

Receivable Financing

Govt Small Business Loans

Working Capital term loans from Canada's Crown Corp Bank

Inventory financing

Tax Credit Monetization (primarily SR&ED Bridge loan Financing)

Asset based non bank business lines of credit (Typically called ' ABL Financing')

Unsecured cash flow/mezzanine loans

In order to access these types of financing your firm must be in a position to demonstrate it has some long term viability despite whatever your recent circumstances might be. The ability to show some strong management expertise and to address why your own particularly industry is viable is also key.

In certain cases we've met with clients who have been asked by their bank to terminate the bank/client lending relationship. Typically the client is now in a specialized category called ' SPECIAL LOANS ' and banks typically provide some form of reasonable notice that new financing sources will be required for your company.

We feel business owners are somewhat naive in thinking that they can replace one Canadian chartered bank with another when their firm is in some sort of financial distress or challenging situation.

We would point out that in today’s more conservative commercial lending environment that it’s difficult to replace financing for a fairly healthy company, let alone one that is experienced challenges.

If you are looking at options that will ' stand up ' for your company in areas of financing investigate those options by seeking out and speaking to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can assist you with alternative funding options that make sense.




Stan Prokop - founder : 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . In business 10 years - has completed in excess of 90 Million $$ of financing for Canadian corporations .

Info re: Canadian business financing & contact details :



7 Park Avenue Financial = Canadian Alternative Funding Solutions 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

Fax = 905 829 2653

Email = sprokop@7parkavenuefinancial.com


' Canadian Business Financing with the intelligent use of experience '

Stan Prokop

ABL Is Extreme Corporate Turnaround Business Financing : Why Asset Based Lending Works When You Need It Most

ABL Erases That Dwindling Options Feeling When It Comes To The Business Turnaround Finance Solutions


OVERVIEW – Information on corporate turnaround financing in Canada. One Often Not So Obvious Solution is the Business ABL finance mechanism




Corporate turnaround business financing , simply put, involves the ' fixing ' of some major problem issues in a Canadian business. One of the best solutions for ' the fix ' is ' ABL ‘asset based financing. Let's explain why, so let's dig in.

Top experts will agree that there is nothing more challenging than a turnaround - in effect its a ' renewal ' of a business and financing will not always, but more often than not play a major role in that renewal. Going through that whole process is also a tremendous way to simply understand ' what went wrong ‘, and as we've said many times:

‘Tuition

is very costly in the school of experience'













During a ' turnaround' several major issues tend to always come up - they includes areas such as:

The need to restructure debt and business credit

People issues

Rightsizing the company to allow it to grow again

Address legal issues that might even include a protection filing under Canada's CCAA process (It’s the equivalent of Chapter 11 in the U.S.)


We're focusing mostly on the area of financing here, but it's safe to say a lot of other issues are always going to come into play. Also we're predominantly talking about an ' operating' turnaround as opposed to some of the ' strategic ' issues involved in products, markets, engineering, etc

ABL... It’s the acronym for asset based lending helps address the 3 key areas of corporate turnaround business financing - sales revenues, cost issues, and asset management and finance issues. It's simply one key effective solution that allows a financial restructure of the firm to be completed in its entirety.

Refinancing growth when equity issues are strained it what an asset based line of credit it all about. While more often than not it’s an operating facility that encompasses all the companies assets it can also, when applicable, include a term solution that is complimentary to the overall long term needs of the company.

It should be pointed out that typically an ABL business credit facility is a non-bank solution. (NOTE - Some banks offer ABL financing but the why and how of that is a subject for another day)

ABL will sometimes be priced as competitively as a bank solution - we will call those TIER 1 asset financing, but most firms requiring a turnaround will typically pay a major premium to bank pricing because of the inherent credit and perception challenges involved in a turnaround .

The essence of the ABL turnaround solution is the financing of all the business assets of the firm, margining their borrowing power to the maximum. Typically receivables are financed at 90% of their ongoing value , inventory is margined at anywhere from 25- 75%, and the most unique part of the ABL solution is the ability to carve out the fixed assets/equipment of the business and include them in the borrowing power mix.

Typical requirements to get the ABL solution in motion include due diligence around the business assets, the firms ability to prove it can provide ongoing financials, a long term cash flow and sales forecast , etc

If your company needs to address corporate turnaround business financing consider ABL as one method of getting the solution in place quickly. Those dwindling options you thought you suddenly emerge with a clear viable solution that's alternative in nature but has proven to work well for thousands of firms.

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 financing when you need it most.



Stan Prokop - founder : 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . In business 10 years - has completed in excess of 90 Million $$ of financing for Canadian corporations .

Info re: Canadian business financing & contact details :


7 Park Avenue Financial = Business Turnaround 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

Sred Financing : The Inevitable Rebirth Of The Tax Bridge Credit Loan In Canada

Common Sense SR&ED Financing

OVERVIEW – Information on SRED ( SR&ED) financing in Canada. How The Tax Credit Bridge Loan revitalizes research financing in Canada for the SME sector participants




SRED (SR&ED) research credits in Canada allow participating firms to maintain their competitive edge while at the same time hopefully also staying one step ahead of the competition. But how does the Canadian firm finance the spend that comes with that R&D? Let's dig in.

It's pretty safe to say that any type of financing for firms in the SME sector is a challenge - so even safer to say that funding your research spend simply accentuates that challenge. There's no real form of ' debt finance' that allows a firm to finance its R&D.

In fact we suppose that of the thousands of firms out there that take advantage of SRED credits many of them are in the start up and pre revenue stage, making it even more difficult to access any form of financing, let alone Research spend.

Top experts in fact tell us that Canada, probably quite uniquely has about 98% of its businesses in the SME sector. That fact, coupled with the fact that R&D involves certain elements of ' risk ' make financing availability for SRED claims critical

Essentially two types of financing are available for SR&ED research credits. IF your firm has completed its annual claim and filed you have the potential to immediately access financing for your claim, which is typically arranged through a non bank entity. In our experience very few claims SRED claims are financed by banks on the sole merit of the SR&ED claim. We believe that if your bank would consider financing the claim it is in the context of a much larger borrowing relationship, which the majority of SR&ED claimants probably don't have in place.

Recent trends in Sred Bridge Loans (most claims are structured as a bridge loan with no payments made during the duration of the loan) allow Canadian businesses to access financing during the actual research activity spend itself. It's simply an acceleration of the ' waiting game' that participating Canadian business finds itself in while the federal and provincial governments adjudicate respectively their portions of your claim. Bottom line, this type of ' accrual financing’ allows your firm to eliminate the potentially lengthy wait involved in processing and in some cases auditing your claim.

For a firm that's in start up mode the actual financing received from a SRED research tax credit financing can be the majority of the cash that firm will receive all year.

All sorts of industries take part in the SR&ED (Scientific Research and Experimental Development) work. That can be software firms, pharma companies; mfg entities... research runs the whole gamut of Canadian business. We'll point out here that given the broad nature of research your ability to prepare and file a sound legitimate claim often rests on the shoulders of Canada's SRED consultants.

When it comes to the financing of your claim we point out to our clients that one of several key factors in financing approval is often the reputation of the SR&ED consultant you employ to prepare and file your claim.

If your firm is looking to recover research expenses under Canadian government SR&ED seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you in completing a SR&ED bridge loan to provide valuable working capital and cash flow to your ongoing financing needs.


Stan Prokop - founder of 7 Park Avenue Financial –

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years - has completed in excess of 80 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 re: Canadian business financing & contact details :




7 PARK AVENUE FINANCIAL = SR&ED TAX CREDIT FINANCING / BRIDGE LOAN 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

Government Loans : You’ve Unintentionally Stumbled On the SBL Small Business Banking Secret

The Financing Of Champions ? Government Business Loans In Canada

OVERVIEW – Information on government loans in Canada . Where doe the ‘ SBL ‘ loan fit in when it comes to access to small business banking for Canadian business




Government loans availability in Canada often comes as a surprise to the business owner/entrepreneur. Many clients we talk initially don't seem to understand how the ' SBL ' loan fits into the small business banking structure in Canada.

Let's examine what we think you will consider a pleasant surprise when it comes to discovering the access and capabilities of this loan. Let's dig in.

When it comes to starting, or building a business in Canada the entrepreneur is often concerned about the aspect of personal guarantees. How does the issue of the ' PG ' (personal guarantee) fit in when it comes to the BIL/CSBF loan program? By the way that's the formal term for this loan program, which is administered by INDUSTRY CANADA in Ottawa.

But back to our ' guarantee ' issue. It's really a ' good news/ bad news' scenario here. The bad news is that a personal guarantee is required under this loan program. The good news: It's only for 25% of your loan amount - with maximum loans under this program being $ 350,000.00

Why should Small business loans via the federal program have so much appeal to the entrepreneur. They are clearly not for the ' big boys’. It's all about helping small business, including restaurants, service companies, mfg firms, etc. In fact the government goes so far as to limit the actual or projected revenues to 5 million dollars when it comes to eligibility and application for the loan.

One other important technical aspect of the loan is that while the program was created and developed by the government they do not run it on a daily basis. That's the job of Canada's chartered banks and a handful of other misc. institutions - but primarily our banks.

So it seems that the best place to go to both learn and apply for the SBL loan is any local bank branch, right? We wish that were the case , but in our many years of experience in guiding clients through the program has shown us that unless you have an experienced advisor guiding you through the process your chances of success are severely diminished.

It's almost humorous, and somewhat ironic that in the U.S., where a similar program exists, the rules state that the entrepreneur must in fact be formally turned down by the bank before they can apply for the SBL loan. As one writer has so well put it ' I've never met an entrepreneur who couldn’t get turned down for a loan by the bank ‘!!

So what’s required when it comes to applying for government loans with a strong chance of approval success?

The basics are: an opening balance sheet and cash flow projection, a personal statement of finances from the owner/ owners (net worth statement), an executive summary or business plan, and an itemized list of items to be financed.

There's a lot of misinformation, lets call it ' urban legend' around government loans. Here are some examples -

It takes too long to apply/get approved (WRONG - A complete application is usually adjudicated within a few business days)

You need outside collateral as in many other types of business loans (WRONG - No outside collateral is required)

The SBL Loan is similar to a business credit line (WRONG - It's a term loan that finances only two categories of assets - equipment and leasehold improvements)

You can't purchase an existing business with the BIL loan (Wrong - you can!)

If you find that you've stumbled upon one of Canada's best kept secrets - the Govt Small Business SBL Loan and want to ensure your access to this great program (7000-8000 loans are approved each year for Billions of $ ) 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 accessing this great financing program.





Stan Prokop - founder of 7 Park Avenue Financial –

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years - has completed in excess of 80 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 re: Canadian business financing & contact details :

http://www.7parkavenuefinancial.com/government-loans-small-business-banking.html





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

Asset Finance In Canada : The Not So Secret Continuing Rise Of Equipment Lease Financing

Want To Lose That ‘ Being Held Ransom’ Feeling When Acquiring Business Assets In Canada ?

OVERVIEW – Information on the continued rise of equipment lease financing in Canada . When it comes to asset finance choices leasing continues to provide options and solutions for Canadian business










Asset finance decisions don't always come easy for the Canadian business owner / financial manager. How then do equipment lease financing solutions allow your company to escape that ' being held ransom' feeling when it comes to getting the equipment and technologies you require to run and grow your business? Let's dig in.

It shouldn’t be a secret that asset leasing strategies have been around for centuries in Canada. While some forms of business financing have either become outmoded or simply don't really work well anymore leasing assets continues to offer the same benefits it always has, and makes sense all the way along.

What are some of the key advantages then if your choose to lease assets? There are other ways to finance those same assets, the most common being term loans, bank debt, etc. Business owners therefore have options, but experts tell us that close to 80% of all businesses gravitate towards leasing simply because it's one other external source of business credit.

And, effectively structured it allows your company to access the capital it needs typically on a 100% financing basis. To be fair, many asset leases do require a first payment in advance, or a down payment, but once you're past that your purchase is simply fully financed.

A prime concept here is also the fact that equipt. finance allows you to match the benefits of the asset or assets you are financing to cash outflows over that same period of time. And if the asset in question is an operating asset that helps your company generate revenue all the better giving that matching of cash outflows. We could call this ' self funding' as the asset pays for itself over the period of the term of the lease.

While we are talking about paying a lot of attention at the start of your asset financing journey it makes as much sense to consider what the industry calls ' end of term options’. Simply speaking many assets still have a residual value of use and properly structured you can take advantage of that value by arranging a lease that takes that estimated final value into consideration.

Business owners/managers spend a lot of time chasing capital these days. Equipment lease financing approvals are much easier to obtain compare to bank financing which often revolves around annual bank reviews, heavier credit diligence, etc. While most Canadian banks now offer leasing as an additional service it’s important to remember they do that in the context of their entire relationship with yourself.

The bottom line - once your company is approved for a lease and you're making your payments on time no changes are going to be made to your deal. That allows you to source your working capital and other debt financing needs from other lenders or institutions. The prime collateral of the leasing solution is simply the assets under that lease, and typically no other collateral is required.

Many manufacturers of the assets you require to run your business over captive or specially tailored programs to enhance their sales. Take advantage of them because no one is more incented to help you finance your needs than the vendor itself.

While we are primarily talking about ' ease of acquisition' for assets your business needs you'll find there are a number of tax and accounting benefits to asset leasing.

If you want to escape the feeling of limited options and that desire to not be held ransom in your asset financing needs seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success in equipment lease financing.



Stan Prokop - founder of 7 Park Avenue Financial

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years - has completed in excess of 80 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 re: Canadian business financing & contact details :

http://www.7parkavenuefinancial.com/asset-financing-equipment-lease-financing.html




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