IT Business Finance . Serious Solutions For Information Technology Financing In Canada

Where Is Your Firm On The Business Technology Curve ?

OVERVIEW – Information on IT business finance in Canada . Financing information technology solutions



IT Business Finance. We're talking about ‘information technology’ financing of course. There’s a lot of concern by Canadian business owners and financial managers around the fact that if companies want to grow and stay competitive that requires a lot of capital these days. The right type of financing helps business owners cope with a technology change nightmare . Experts state that the actual risk of acquiring and owning tech assets is simply the time factor – going from valuable to ‘ economically useless’ in zero to sixty!

Many Canadian businesses view their acquisition of technology almost as a battle, and we’re quite sure they are never really figure out if they are winning or losing!

So is the solution to give up? Hardly, in fact a lot of traditional straight forward financing solutions can handle a lot of the economics and issues around IT finance. Naturally that involves computer hardware, software, services, telecom assets, and on it goes.

One of the reasons Canadian business owners and their mgmt. teams wrestle with financing tech assets revolves around their belief that these assets both operate differently than other business assets, and in some cases, i.e. software, are even intangible .

What are some of the assets that are being financed these days when it comes to equipment leases and loans? It's a wide array, including PC's, cell phones, severs, POS systems, and even all the underbelly of the internet - the guts so to speak !.. I.e. routers, switches modems, etc. One more thing - even software licenses can be financed.

One of the big fallacies out there is that software can’t be financed. It can, simple as that. We're talking predominantly application software though, not the actual development.

Medium sized and larger corporations tend to have a plan or overall strategy when it comes to IT business finance. Finance terms typically range from 2-5 years, and companies opt for the traditional capital lease or in many cases a more sophisticated version of the tech lease, the 'operating lease.’

While many lease and finance companies in Canada are prepared to finance tech assets the Canadian borrower should in no way assume that it's always based on the strength quality and need of the assets themselves. What we mean by that is simply that your firm’s actual cash flow and overall financial condition still play a key role in the overall financing approval. In fact the case could be made that many banks, lessors, and other commercial lenders in Canada, while financing technology, still feel strongly that these assets still come with a high obsolescence factor.

Sophisticated lenders and captive finance firms in the tech industry place a high reliance on 'upgrades ', especially when in the case of a captive finance firm it’s their own product.

On balance we can say that if you don’t have experience in financing tech type assets now would be a good time to get some help! The ability for you to get solid info and advice on pricing, payment structures, lease and loan options, and end of term residual issues is key to your IT business finance success.

Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can help you navigate the tech finance jungle with valuable expertise.

7 PARK AVENUE FINANCIAL
CANADIAN ' IT ' BUSINESS FINANCING EXPERTISE



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/it-business-finance-technology-financing.html



7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8
Phone = 905 829 2653
Fax = 905 829 2653

Email = sprokop@7parkavenuefinancial.com
















Stan Prokop

Need Alternative Sources Of Finance ? Canadian Business Financing

Are You A Cheerleader

for Alternative Financing Solutions In Canada ?


OVERVIEW – Information on alternative sources of finance for Canadian business owners . How do these solutions by non regulated commercial finance firms differ from traditional bank financing in Canada ?



Alternative sources of finance in Canada. Ever wondered what they are? I guess we can tell you that they are ' alternative’, and not ' traditional ‘, but that's not really telling the whole story. And those alternative financing solutions, generally non-bank in nature can be either substitutions for traditional financing, and, here's a surprise, sometimes complimentary in nature! Let's explain.

An article in America's leading business magazine caught our eye recently... it was saying business owners should be cheering for alternative lending sources, because it was they took up the slack when the 2008 global meltdown happened . And that’s when of course business credit froze.

No surprise that Canadian businesses found themselves in the same boat, being in many cases unable to finance inventory, grow sales, etc.

In between traditional and alternative lending there are numerous courses of actions your firm can take to help alleviate ' the crunch '. They might include alternate pricing strategies, favorably negotiated supplier terms, new owner equity, etc. Great strategies, but sometimes just not enough!

While the majority of Canadian businesses think of ' the bank ' when it comes to pretty well any sort of financing the reality is that it's a brave new world out there. Things such as one on one lending relationships have a lot less emphasis these days, and many larger financial institutions are focusing on fees, not credit lines.


So what are some of those alternative sources of finance? They might include:

Factoring/ receivable finance

Equipment leasing

Non bank working capital facilities - (A/R and inventory and equipment)

Asset based credit lines - ' ABL Finance’

Securitization

Contract monetization

Tax Credit Financing

Supply Chain /PO Finance

Cash flow based term loans - Secured/unsecured


Let's provide you with a couple of examples of how alternative sources of finance either co exist or replace more rational financing in Canada. A clear example might be the tax credit. In Canada SRED (SR&ED) tax credits provide billions of dollars of capital to new, emerging, and established corporations.

In general we can very comfortably say that the tax credits, which many companies book as a ' receivable' when they have filed them, are not financeable by our Chartered banks. Some will argue that, but we stand behind our comment. So the ability to finance a tax credit claim outside of your existing credit facilities is valuable. So in that respect its one example of an alternate finance vehicle co existing with traditional finance. (By the way, film, TV and FX tax credits can be financed also in Canada)

In a large number of cases alternative financing solutions completely replace bank financing - mostly when ' the bank says no ‘, which they are sometimes wont to do! In that case receivable financing and asset based lines of credit fund companies anywhere from 100k to 100 Million dollars! To show you an extreme even if your firm is in CCAA bankruptcy proceedings it can quite efficiently be financed by alternative financing - example the ABL solution.

When the Canadian business owner and financial manager are looking for capital the process is actually quite clear. Ensure you have a clear use and need of funds , know what sources of financing ( traditional and non traditional ) are out there, and be prepared to accept financing solutions that are commensurate with your current situation if that involves weakness, issues,, need for creativity, etc.

Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with sources of alternative, or traditional! financing.

7 PARK AVENUE FINANCIAL
CANADIAN ALTERNATE FINANCING SOLUTIONS EXPERTISE



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/alternative-sources-of-finance-canada.html




7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8
Phone = 905 829 2653
Fax = 905 829 2653
Email = sprokop@7parkavenuefinancial.com

















Stan Prokop

Business Finance Solutions And Assistance? Don’t Come Up Short In The ABC’s Of Financing Assistance In Canada

Looking For Clear ABC’S of Business Financing In Canada?



OVERVIEW – Business finance solutions for the Canadian business owner and manager . Financing help and assistance gives your business a solid footing for growth and profits .



Business Finance Solutions. Quite frankly, we knew it all the time. At the risk of sounding like know it alls,

there it was, yesterday, in one of Canada's two leading newspapers.

What was it? It was a full page; yes a full page article entitled ' THE DEFECIT OF FINANCIAL ABC’S’. In it , the author , an executive with the Canadian Federation of Independent Business maintained , with real life examples, that Canadian business owners, certainly in the SME sector , are uncomfortable with ' financial lingo ' , referring to it as a foreign language to many!

Truth be told, we find Pirate Lingo the worst ! Johnny Depp films have made my wife a master of that genre

Another example pointed to in the article - only 2 out of ten could provide proper commentary on things such as balance sheets and cash flow management.

It's of course what we have been preaching ( like a broken record all along?)

on the importance of getting some help in financial solutions, whether that be knowledge assistance, or in our case, financing .

One of the final main points in the article was that the business owner recognizes that they need help and need to invest a bit of time in what is actually a critical factor to long term survival, let alone success.

Canadian business owners and financial managers need to determine how much capital they need both currently and in the intermediate to long term. At that point they can start the search, on their own, or with a trusted advisor, to access those sources of financing.

In Canada some basic financing solutions include the following:

Receivable financing facilities

Equipment leasing

Working Capital Term Loans

Asset Based Lines of Credit

Commercial Canadian chartered bank lines of credit

Franchise financing solutions

Government business loans

Tax Credit Monetization

Contract /PO/Supply chain financing

That's a lot of solutions, and we assure the beleaguered business owner that, unfortunately, each comes with its own lingo.

All of these solutions can apply to both start up and established businesses. Larger corporations of course have access to more esoteric and sophisticated business finance solutions - including securitization, Mergers, Capital pool, IPO's, Mezzanine financing, etc.

It's not only important to determine that you need capital or cash flow in a certain amount, its also important to understanding the timing and various structures of each of the many financial solutions that we've noted above .

Bottom line is that understanding cash flow needs, and solutions will power your business into the next stage of success. Oh, and by the way, some of these solutions might work for all your financing needs, and in certain cases it might be a ' mix and match'

Our bottom line today? Simply that seeking the financing assistance you need might not be the toughest challenge you think it is. Seek out a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow and asset monetization needs.

7 PARK AVENUE FINANCIAL
CANADIAN BUSINESS FINANCING EXPERTISE



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 7 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/business-finance-solutions-assistance-financing.html







7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8
Phone = 905 829 2653
Fax = 905 829 2653

Email = sprokop@7parkavenuefinancial.com













Stan Prokop

Leasing Company Search? Don’t Be The Lone Ranger When It comes To Lease Finance Solutions In Canada!

Canadian Equipment Financing – More Than You Think!



When searching for a lease finance solution from a leasing company in Canada it's tempting to go it alone. But you don't have to be the ' Lone Ranger '

when it comes to financing assets in Canada. There's an entire industry out there waiting to help your firm out with the right combination of solutions, rates, structures, etc. Let's explain.

We're the first to forgive Canadian business owners and financial managers for thinking that financing assets is tougher than they think. For the last couple of years it’s been pure ...

well let's diplomatically say ' a challenge ‘to arrange the financing they need for fixed assets.

The good news though is there's a new weather report - and it's sunny! with numerous tools, solutions, and yes leasing company advisors and partners to assist you.

Lease finance transactions are primarily done these days on fixed interest rates, and rates have never been lower. (Depending on credit quality of course!)

Another reason you don't have to go it alone in your financing decision is the fact that you almost won't believe the resources behind the current lease industry in Canada. They include independent private commercial firms, Canadian chartered bank owned / controlled companies, captive finance companies, and even firms that provide bridge loans that are similar in structure to leases, but are accounted for differently on your balance sheet.

Where the business owner/manger needs help these days is really in what type of lease structure most suits their firms needs. The reality is that those needs are driven by tax, accounting, cash flow and interest rate focus. In some cases you see the value of just using the asset and returning it to the lessor or mfr at the end of the term. In that case focus on an operating lease.

If you’re focused on owning the asset and strongly recognize its useful economic life than utilize the concept of lease to own, aka ' capital lease ‘.

If we had to pick one area that clients don't focus on enough (they usually just want to know ' the rate ') we would say it’s the whole area of terms and conditions. While it might be somewhat easy for the leasing company to disguise the interest rate you are paying, it’s a little tougher for them to term, payments, return obligations, and incidental fees, all of which can have a dramatic effect on the winning of losing of asset finance when it comes to your business.

Most businesses, whether it’s true or not feel they are unique in their needs. So how you address strategic, operational and financial issues around asset financing will ultimately determine if you're a lone range. or alternatively maximizing on the info and resources you need to make intelligent business financing decisions.

Want some very free assistance on how not to feel alone when it comes to lease finance in Canada? Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your asset acquisition 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 :


http://www.7parkavenuefinancial.com/leasing-company-lease-finance-canada.html



7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8
Phone = 905 829 2653
Fax = 905 829 2653

Email = sprokop@7parkavenuefinancial.com

Receivable Financing Powers Invoice Cash In Canada . Why You Should ( And Perhaps Shouldn’t) Use Factoring For Cash Flow

The Power of Cash Flow Finance Solutions

OVERVIEW – Information on receivable financing as a cash flow solution in Canada . How does invoice cash via factoring suit the need of the growing Canadian business and what do business owners need to know about the importance of working capital management and solutions .





Could you be underestimating the power of a receivable financing arrangement, one that generates invoice cash based on your sales and revenue growth?

Whatever they may wish to call it, ' factoring ', ' invoice discounting ', and ‘a/r finance’ etc the situation just might be that you have underestimated this powerful financing tool. Alternatively you might have been focusing on other solutions that either aren't available for your firm or don’t bring you the liquidity you need. Let's explain.

While a huge portion of Canadian business owners and financial manager’s focus on growth, assets, profits etc they are often forgetting the requirement of cash flow to power their company.

In many ways a solutions such as receivable finance gives you the strongest measure of current and future liquidity. Your creditors, lenders, etc are always watching you, whether you know it or not, in an effort to evaluate the risk of doing business with your firm.

When it comes to invoice cash facility it’s all about short term financing. You are simply monetizing assets, i.e. receivables! to create a cash resource for your firm. Your ability to immediately produce cash from revenue (that’s what factoring does by the way) allows you to avoid potential problems when it comes to lack of working capital and liquidity.

In the old days (unfortunately we remember them!)

companies regularly, even without the legal requirement to prepare a cash flow statement, calculated what was known as a ' source and use ' of funds. It would give the business a solid opinion on whether you were going to be in trouble based upon where all the cash was going.

Today all sorts of financing solutions are available to finance a firm. Some are short term and some are longer term in nature. A/R financing (factoring) is a short term solution to generate cash flow.

While accountants, commercial lenders, even banks will often use rations such as ' current ratio ', and other to determine your liquidity they don’t accurately measure your current challenges in cash flow finance. Factoring delivers on the only thing your business needs to survive and grow - Cash!

We've used a great example over the years of a department store in the U.S. that was called W.T. Grant. Right up to the end things looked great - a huge asset laden balance sheet, profits (on paper) and sales growth. The problem? Assets such as receivables and inventories were growing and weren’t being financed properly. In the end its demise and implosion surprised everyone, however history tells us that if we had focused on cash flow and asset monetization things would have been a lot different. That's a U.S. company example of course, but the Canadian business battlefield is laden with many firms that run out of cash flow. We love reading about those sort of things.

If you want to generate enough cash to immediately solve your working capital needs consider an A/R finance/factoring solution.

Are there times when an Invoice cash facility doesn't work ? We advise clients that have low gross margins or declining sales that receivable finance is not really the best solution as opposed to a concentrated turnaround strategy .
Our recommended facility is a confidential invoice cash facility, one in which you can bill and collect your own receivables.

If cash is critical to your business (hello??!!) seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with a receivable finance solution that makes sense for your firm.

7 PARK AVENUE FINANCIAL
CANADIAN CASH FLOW FINANCING EXPERTISE


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/receivables-financing-invoice-cash-factoring.html



7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8
Phone = 905 829 2653
Fax = 905 829 2653

Email = sprokop@7parkavenuefinancial.com





















Stan Prokop

Business Financing Challenges ? How Are You Solving The Problem Of Sources Of Capital And Finance In Canada?

What Seems To Be Your Problem .. When It Comes To Business Finance

OVERVIEW – Information on business financing and sources of capital in Canada . How do business owners address the issue of what type of finance makes sense depending on their stage of need and development ?



Here's a question. Are you getting any? What else could we be referring to other than your business financing? In the case of Canadian business it pretty well always comes down to the fact that your company is in a stage , and that stage of development pretty well dictates they type of financing you need, the type of financing you can get, and the amount involved . No mystery there.

So when we sit down with clients and talk about their current failures in raising capital or monetizing assets what seems to be the problem? Do you want to know the answer to that question? We think it’s because a solid majority of business owners and financial managers aren't able to match the sources of capital with their actual needs. Or even more basic, who to turn to when they need some help in making that match.


One glaring mistake we often seem is that many businesses are focused on venture capital and private investors / angel investors, business incubators, etc. The amount of financing that is done in this area is minute compared to the other debt and asset monetization solutions that are in fact available. Sorry to burst your bubble on that one.
The major differentiator in business financing that’s available, as we’ve hinted, is whether your first is in start up or early stage, or if it in fact up, running, and growing. While certain types of non bank financing might seem expensive at times the reality is there is nothing more expensive than giving up equity ownership.

We would say though that for many medium sized firms that are growing, profitable, have good niches, etc that solutions such as an IPO or reverse take over might in fact make sense. In a perfect world, (and we know it’s not) the reality is that successful business financing comes when you have the right mix of capital without giving up any levels of flexibility and ownership.


Can we offer up some solid tips of just conceptually being ‘successful ‘when it comes to business finance in Canada? Consider this: just spending some time on learning ‘the lingo ‘in some of the different types of financing you consider is worth the time. You then will of course be less intimidated. Secondly, look for some of the hidden costs in any financing solution that’s proposed or offered up. Thirdly, look at any source of capital or financing as a journey, without losing track of the big picture. Many of the solutions we work on are in fact intermediate and the business owner and manager forgets they aren’t locked in to any solution forever. So in summary we’re talking about getting to know your sources of finance as well as the techniques and attitude you need to adopt in closing those deals.


Are we able to provide a concise list of sources of capital and financing for the busines owner to consider? We think we can come pretty close. Assuming we are out of the start up phase consider and investigate the following:



The Canadian Govt SBL loan
Equipment financing
Asset based loans
Commercial bank lines of credit
Royalty/Contract Financing
Receivable financing
Inventory Financing
Asset based lending
Tax Credit monetization
Supply chain/PO finance
Unsecured Cash Flow Loans
Mergers
Capital Pool Companies



All of a sudden our comments about learning some of the ‘lingo’ around these might make a lot more sense, right? Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with you in completing your journey for business finance capital.

7 PARK AVENUE FINANCIAL
CANADIAN BUSINESS FINANCING EXPERTISE


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/business-financing-sources-of-capital.html



7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8
Phone = 905 829 2653
Fax = 905 829 2653


Email = sprokop@7parkavenuefinancial.com
































Stan Prokop

Is The Government SBL Loan For Your Firm? Business Financing That’s Pretty Close To Perfect?

Better than sliced bread? Government guaranteed business loans in Canada



OVERVIEW – Information on the Canadian government SBL ( small business loan ) . Eliminate many of the challenges of business financing by taking advantage of the BIL/CSBF program.


Is business financing via a government SBL loan the best thing since sliced bread?

For the record we've always thought that ' sliced bread' comment is a bit over rated, given than people rarely eat the whole loaf... but we digress...

Business owners in Canada, whether they are a start up or established firm use the BIL/ CSBF program ( that’s the technical name for the program ) either to raise funds for a start up or to grow their business . It's worth spending a moment on the word ' SMALL ' as it is important to note that the program has two key size elements to it:

1. Your business must be new or under 5 Million dollars in actual or projected revenue

2. The loan size is limited to a maximum of $ 350,000.00, which isn’t exactly chump change!

In our experience with clients we use the concept of a short concise road map as the best way to achieve loan financing success when you're looking to complete an SBL loan, either on your own, or utilizing a trusted, experienced advisor.

Let's look at some of the elements, or components of that road map. Key to the whole process is a business plan and cash flow project. That should not scare the would be entrepreneur or business owner , because completing that document is just a common sense overview of you, your experience, your business, and some responsible projections for your growth and cash flow . The cash flow is clearly the key to the document in many ways, as it is there that a final decision is made around your ability to repay the loan.

SBL loans in Canada typically range from 3-7 years. More often than not a 5 year term is the typical loan amortization. Rates are currently just several points over bank prime, and numerous other elements of the financing should appeal to the business owner.

Other key benefits of the loan are:

Only a 25% owner personal guarantee

Repayable without penalty

You can also finance leaseholds, as well as equipment, computer, application software, real estate, etc

Only a 10% permanent equity or down payment scenario is required as your contribution to the financing


We seem to spend a lot of time coaching clients around the fact that the whole process is not as complicated as some people maintain. By the way though, if you are unprepared for an application point of view, or if you by inexperience are working with a banker that doesnt know the program the bad news is that you're doomed to failure.

Contrary to most business owners beliefs your loan approval isn’t really subject to whether the bank has an emotional attachment to your industry. They do have an emotional attachment to high risk and loss though, so that’s where a solid common sense business plans and loan application backup data make total sense. Your plan and loan package simply give the bank, and the government as your guarantor a strong sense that you know where you are going.

One final tip or piece of advice - ensure your package reflects something that appeals to a banker, not a venture capitalist. The typical VC is looking for high growth and tremendous profits and valuations. Your government SBL business loan application should reflect basic loan repayment. Simple as that!

Need help? Seek out and speak to a trusted credible and experienced Canadian busines financing advisor who can help you limit personal risk, fine tune your plan, ensure financials make sense, and ensure you've answered the key questions .

7 PARK AVENUE FINANCIAL
CANADIAN GOVERNMENT SBL LOANS EXPERTISE


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-sbl-loan-business-financing.html






7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8
Phone = 905 829 2653
Fax = 905 829 2653

Email = sprokop@7parkavenuefinancial.com









Stan Prokop