Receivable Financing Factoring Companies Help Thousands Of Firms . Would A Factor Company Solution Work ?

Here’s One Method Of Saving Your Company From Cash Flow Challenges !



OVERVIEW – Information on receivable financing factoring

in Canada . How a factor company make your firm ‘ cash flow positive ‘!





Receivable financing factoring is a fairly simple process. The process? It's as follows - As you generate sales and invoice your clients for goods and services you have delivered ( Yes , service companies can also be financed in this manner!) your finance factor company buys those from you based on an agreement being in place to do so .

You typically receive 90% of your funds the same day, the balance is remitted to you as soon as your client pays, less finance costs. In Canada these costs average 1.5 - 2% per month . (Various criteria affect your rate, more about that later).

In Canada the majority (99.9% is pretty well a majority don't you think) require that payments by your clients go directly to the factor company. We're not big fans of that scenario, so that's why our recommended and preferred solution to clients is a CONFIDENTIAL RECEIVABLE FINANCING

facility, allowing your firm to bill and collect your own A/R. That in our opinion is the optimal solution.

Back to those receivable financing rates, which tend to be a point of major discussion when we're facilitating this type of solution? Your overall rates are generally based on the following criteria - the size of your receivables is one. However make sure you understand that if you're dealing with the right firm you are not required to finance your entire A/R portfolio all the time. You choose when you want funding and in what amount. And that of course means you only pay for what you use. That's a good solution, right?

Other factors that affect pricing include the general quality of your customer base, the number of clients you have, average invoice sizes over time, and the overall quality of both your own firm’s finances as well as your client’s general reputation. That’s a lot of qualifiers but in almost all cases unless your company is in a death spiral you will get the financing you need. That's why A/R finance is a clear alternative when traditional bank financing is not available.

The thing about receivable finance is being educated on who to deal with, its one form of business finance where a ' word to the wise ' is a valuable gift! Many Canadian business owners and financial managers are intrigued by f factoring; they simply don’t have enough quality information to digest why it might work for them.

When we sit down with clients we talk about a number of key issues in the whole A/R financing process.

That includes:

Benefits of A/R finance

The value of an advisor or consultant

Cost of finance

Due diligence required to set up a facility

Tips and tricks to enhance maximum cash flow

Your firms new found ability to take on larger business

Why negative perceptions of this type of finance abound

Accounting/banking issues that come with this type of facility


If you're looking for the straight goods on dealing with a factor factor company seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow needs.

7 PARK AVENUE FINANCIAL
RECEIVABLE 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/receivable-financing-factoring-factor-company.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

Turnaround Financing Solutions Might Be Just Around The Corner When A Specialist Is There To Help !

It’s Here ! Turnaround Financing Solutions From A Specialist – Closer Than You Think !

OVERVIEW – Information on turnaround financing solutions in Canada . Let help from a specialist solve your business financing challenges






Turnaround Financing? ? It's associated with financing solutions and specialist techniques when your company is addressing various situations that may or may not be a crisis situation - although it probably feels like one to the Canadian business owner and financial manager.

A Turnaround Solutions Specialist focuses on a number of different areas - it might be management, products, and sales, however we're focusing on finance.

Clearly we can think of financing solutions as the ' doctor' that will be putting your company back in order. Statistics tell us that over 50% of companies that are in turnaround mode are eventually ' saved’

What then should be the goal of turnaround solutions when it comes to Canadian business financing? Ultimately the focus needs to be on getting your company back to some level of cash flow in order to meet your short term and long term obligations when it comes to debt levels.

That’s ‘JOB #1 “! After that you want to be working with someone that has the long term solution in place, with enough financing that gets you to where your firm needs to be. In some cases you might also need new equipment and assets and production equipment. These can usually be acquired via bridge loans of equipment leasing strategies.

We often hear the term ' peeling back the onion ' and its a good analogy for our current purposes ; because its all about seeing what isn’t working from a cash flow and profit perspective, and then putting turnaround solutions in place .

These cash flow accelerator finance turnaround solutions might include:

Receivables Finance

Inventory Financing

Asset based lines of credit to replace existing ( or absentee) commercial bank lines ( In some cases your firm might in SPECIAL LOAN category already at your bank, and ABL lines of Credit are the perfect solution to take your company out of special loans !)

Purchase Order/Supply Chain Finance

Tax credit monetization (Yes, tax credits can be financed)

Sale leaseback strategies via a lease or bridge loan


Even suppliers/vendors can be a solid source of new credit and financing if relationships have been and can be maintained. Oh, by the way, consider your landlord in that group, and if you own your own facility it might be time to refinance for working capital and cash flow purposes.

The obvious question we get from clients is pretty understandable, and they can be forgiven for asking it: ' Who would provide us with financing in this difficult period ‘. The reality is they are party correct in their negative assumption, of their turnaround, mostly because they are focusing on traditional lending sources. In fact many alternative financing strategies work perfectly when it comes to ' THE TURNAROUND '.

That's not to say that Canadian banks and other more recognizable solutions won't address a turnaround - but we can assure you they will need a solid business plan that shows how the company will be fixed and how current and future cash flows and profits will be generated.

So, need some help? Turnaround financing solutions to the rescue! Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your needs.

7 PARK AVENUE FINANCIAL
CANADIAN TURNAROUND 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 :


Turnaround Specialist







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

Secrets To Buyout Financing In Canada. The Scoop On Acquisition Finance Firms

Interested In Buying A Business?

OVERVIEW – Information on successful buyout financing in Canada. What strategies should you employ with acquisition finance firms to successfully complete your deal?





Searching for Buyout Financing in Canada? Along the way you'll need info and assistance from acquisition finance firms or other institutions such as banks. Is there some proven information and strategies the Canadian business owner or financial manager must use to be successful in acquiring or merging with another firm. There are of course, so let's dig in.

On many occasions we see that clients haven’t spent enough time on the overall ' financial nature ' of the business. By that in essence we mean an overview of the operating cycle of the business. The operating cycle? It's simply your ability to get a handle on the overall sales and seasonality cycle, the supplier and customer base, timing on how goods and services are delivered and the current overall financial structure of the business.

New funding that you require running the business must be part of the overall financial considerations. Even more simply speaking than that the lender or lenders want to know how they will be repaid. To demonstrate that you need a strong, clear sales and profit and cash flow projection that might well be part of your business plan or strong executive summary.

The ability to demonstrate how your new and existing debt will re repaid which is done by demonstrating that your new balance sheet has the right amount of debt and that you've got borrowing power.

Borrowing power is of course based on the assets of the new business - which typically is receivables, inventory, and fixed assets. Receivables when financed by a bank are typically margined at 75% borrowing power, and if you utilize an asset based lender your borrowing power typically increases to 90%. Inventory and fixed asset financing is determined by careful valuation of overall marketability of the assets based on the opinion of the bank or your asset based lender.

Other focuses of acquisition finance firms for buyout financing include management depth and experience, overall cash flow coverage and repayment ability, collateral asset quality, and the potential ability to grow sales and profits. No real mystery there!

Buyout financing works best when you have a solid handle on what's known as the capital structure of the new business. The easy way to focus on this is to have a strong sense of what capital is available from you the new owner, traditional of alternative lenders, and your suppliers/vendors. Using vendors as an example, just your ability to negotiate extended payment terms for an interim or permanent period is going to be a great source of cash flow.

Getting the right mix of short term and long term debt is also key. In a perfect world you want to have the right amount of debt, aka ' leverage’. A great rule of thumb? Simply that your overall cash flow can comfortably cover off your debt payments and that overall debt doesnt exceed your shareholder equity by a relationship of 2:1.

For companies in the SME sector we'll often see the overall capital structure is different than that of larger corporations - i.e. current assets and liability per cent ages tend to be higher - allowing you to monetize assets for cash flow and working capital as opposed to relying on shareholder equity, which is often much higher in larger firms.

Companies in the SME sector in Canada don't often have all the resources that the ' big boys ' have when it comes to buyout financing. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with acquisition finance.

7 PARK AVENUE FINANCIAL
CANADIAN BUSINESS BUYOUT 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 :


BUYOUT FINANCING AND ACQUISITION FINANCE FIRMS







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

The Government Business Loan What You Need To Know This About SBL Loans In Canada !

May The Force Be With You .

Experience The Power Of Small Business Loan Financing In Canada


OVERVIEW – Information on SBL Loans In Canada

. What Canadian business needs to know about the government business loan



SBL loans. When it comes to the government business loan MAY THE FORCE BE WITH YOU! We're a bit biased perhaps, but we continue to maintain that the SBL loan is one of the best things that government does for the SME sector in Canada. That's why we think you should know about the program, and as importantly there are certain issues you absolutely must know about ! And we're going to share them with you. Let's explain.

It might a debate whether SBL loans have in fact helped small companies become larger companies, but the reality is that they have helped thousands of firms, every year, along the way to the entrepreneur’s goal of becoming larger and successful. As a key point we'll state also that this loan is limited to companies with fewer than 5 Million dollars of revenue - that is small in the eyes of some people, not necessarily that small in Canada though where our landscape is populated by hundreds of thousands of this size of company.

And oh yes, the program also applies to start ups and franchises, who use the program a lot to ' kick start ' a business.

We certainly don't think the term ' mom and pop' businesses is derogatory, and the reality is that these firms, whether they are gas stations, restaurants, or other businesses all can utilize the government business loan. And oh yes, where else could they go by the way, as the SME sector continues to be under serviced when it comes to Canadian business financing.

Industry Canada is the agency within the government that monitors and administers the programs. But the actual loans themselves are administered and applied and approved by your local bank. If you can find a banker that's interested by the way, but that's a subject for another day!

So who applies for these loans, which total in the billions every year in Canada? The answer is any business that requires financing for three categories - business assets, leasehold improvements, and even real estate, although the latter is used rarely from what we see.

Yes, similar to all other types of financing in Canada you do in fact have to provide a personal guarantee for the loan, but the good news is that it is only for 25% of the loan, which we've always felt is quite generous. But just to clarify on that guarantee item - your personal assets aren't collateralized or 'liened'; the guarantee is simply your 'promise to pay ' if things go awry, as they unfortunately sometimes do.

If there is one reason that our Canadian chartered banks like these loans it's simply that the government guarantees them a huge portion of the loan if the loan goes bad. So in effect the government has kind of co-signed your loan, which certainly is a better co signer than your brother in law probably!

The term ' government loan ' has all sorts of connotations to our clients that don’t have a lot of knowledge about the program. But the reality is that you need meet, speak to or correspond with anyone in the government, its all done through your loan proposal at the bank.

You also need to know that you can fast track your approval and make chances of approval a lot more successful if you have a good business plan/exec summary, some clear financial projections, and info on yourself and the items you wish to finance.

So will THE FORCE BE WITH YOU when it comes to the SBL... the government business loan? We hope so , so consider seeking out and speaking to a trusted, credible and experienced Canadian Business Financing Advisor who can assist you with SBL Loans - potentially making your small company into a larger great company!

7 PARK AVENUE FINANCIAL
CANADIAN SBL GOVERNMENT LOAN EXPERTISE

CANADIAN SBL GOVERNMENT LOAN 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/sbl-loans-government-business-loan.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 ABL Facility The Type Of Lending You Are Looking For In A Business Credit Line?

You’ve Got Probable Cause To Check Out Asset Based lines of Credit !

OVERVIEW – Information on the benefits of an ABL ( asset based line of credit ) commercial revolving line of credit in Canada . How this business lending has revolutionized business credit lines.





An ABL Facility? We checked and its true, you've got ' probable cause ' to check out a unique form of lending that competes with Canadian banks when it comes to a lending facility that you need to facilitate a business credit line . Let's explain!

When we're watching our favorite crime shows on TV these days (CSI Brampton, etc) we’re always been enamored by that term probable cause.
Simply speaking it’s a ' reasonable grounds for belief '. And that’s our point today when it comes to our suggestion that you check out thoroughly the ABL facility, more commonly known as the asset based line of credit.

It's simply an alternative to bank financing. Whereas banks place a tremendous amount of focus on you cash flow and all the balance sheet and income statement ratios that come with that the asset based loan focuses 99.99% on your assets - typically receivables, inventory, equipment, and even your company owned real estate if that’s applicable .

Our Canadian banks are so strong and well known for growth, profits and conservatism simply because they are regulated, and enforce very strict rules around how much capital they can lend out , guarantees, and our previously mentioned ' cash flow coverage ' for any debt you have with them or anyone else .

The benefit to all that - it’s pretty obvious - unlimited capital with great rates, for those that qualify.

What if though? What if you don't qualify for a Canadian chartered bank line of credit? Typically you find yourself in one of the following situations - you have high or volatile growth, you’re just out of the start up stage, and on any given day you seem to be using cash, not generating a lot of it!

All the reasons and facts that we're provided for you above simply enforce why asset based lending via the ' ABL ' is getting more popular, It focuses on the underlying assets you have and monetizes them into one single borrowing facility .

The asset based lender is typically what us finance folks refer to as a ' non bank, non regulated lender '. The connotation is of course that they can do whatever they want within their firms own borrowing guidelines based on their management experience. They are also focused daily on managing the risk of the asset based loan and line of credit facilities they have provided to your term. Typically that means you're reporting on your financials and assets in a more regular fashion, monthly for sure. Some of our clients view that as a negative - we explain they should consider that in our experience many firms that report and understand their financial progress more regularly... guess what... DO BETTER!

The somewhat not so secret in ABL facilities is that many Canadian banks recognized that this is indeed a viable way to lend - so they have set up small divisions in their banks to also consider asset based lines of credit. Boy, talk about being two faced! Just kidding of course, because no one has more respect for our Canadian banks than us.

Asset based lines of credit work because they provide a lot more liquidity also. Receivables are financed at 90%, inventory is financed at more generous levels once your ABL lending firm understands your business, and they even throw your fixed assets into your daily borrowing mix. That’s liquidity 101!

Have we proven your PROBABLE CAUSE? We think so, hope so, so seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your business line of credit needs.

7 PARK AVENUE FINANCIAL
CANADIAN ASSET BASED 'ABL' LINES OF CREDIT 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/abl-facility-lending.html




















Stan Prokop

Which Cash Flow Lenders Can Solve Your Funding Problems In Canada?

Don’t Forget These Two Rules For Your Company To Be A Cash Flow Gusher!

OVERVIEW – Information on solutions delivered by cash flow lenders for funding Canadian businesses that are addressing their working capital challenges for survival and growth .




Can cash flow lenders and funding solve or fix the challenges that Canadian business owners and managers face? We’re not exactly sure your firm can become a ' cash flow gusher ' but the reality is that these sorts of solutions can stabilize and help grow your company. Let's explain.

We're taking somewhat of a large liberty in re- doing what of Warren Buffets great sayings - our version as follows:

‘There are only 2 rules in business. Rule # 1- generate cash flow. Rule # 2 - (here it comes) ' Don't forget Rule # 1.

In any business there are going to be some times when you 'veer off the road'

and make some mistakes, and becoming 'cash flow tight' temporarily will no doubt be one of them. So some wise advice is to get to know the potential solutions to cash flow financing in advance - simply investing a bit of time in understanding what your options are.

What are those options then? Some of them you may have heard of, perhaps your firm are even using them. In other cases the terminology might be new and you'll have to trust us that they are worth checking into.

And those solutions? They include:

Unsecured cash flow loans
Receivable financing
Inventory finance
Asset based non - bank lines of credit
Commercial bank credit facilities
Supply chain / PO / Contract finance
Securitization
Tax credit monetization
Sale leasebacks

Oh, by the way, all of these facilities simply monetize your assets, so you are not in any case taking on long term debt. We're pretty sure the revered Mr. Buffett would give us thumbs up on that one.

So how do you know when you need one of several of these solutions? Larger firms take a look at some reliable indicators of measuring your progress in the cash flow area.

Oh and by the way, these ratios (we call them relationships) are available to the small and medium sized business owner; they are just too busy putting out cash flow brush fires to check them out. Point hopefully well made!?

In case you haven’t figure it out by now these same ratios or relationships are in fact used by pretty well anyone looking to lend your firm money . They help to evaluate risk and are solid reflection of how you're managing your assets and resources in general. Ultimately they are of course looking for assurance that you can meet the payments in their loans and financing. One final point - having a bit of handle on these numbers allows you to foresee future problems.

The ratio/relationships you should have a solid handle on include the working capital ratio, cash flow coverage, debt to equity, and our personal favorite operating cash flow. The latter is the real world indicator of whets happening as there can be a lot of mistakes hiding behind a few of those other numbers in your financial stats.

If you want to strive to make your business more of a 'gusher' than a user seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can ensure solutions from cash flow lenders bring your business the funding it needs .

P.S. And don't forget rule # 2!!

7 PARK AVENUE FINANCIAL
CANADIAN BUSINESS CASH FLOW FINANCING AND FUNDING




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/cash-flow-lenders-funding.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

Are Used Equipment Leasing and Financing Loans Good For Your Company ?

A New Trend ! ? Used Equipt. Finance Continues To Be Popular

OVERVIEW – Information on the benefits, and risks of used equipment leasing and financing in Canada . Asset loans on previously owned equipment just might make sense !



Yes you can. Simple as that. Whats that ..? .... Just that unknown to many business owners and financial managers is the fact that many assets they choose to purchase can in fact be financed if they are ' used’, or pre -owned.

Safe to say there are some issues, which we will hopefully cover off, but the reality is, whether its bridge loans solutions, or financing under the general category of equipment lease.. you can finance previously owned assets.

Part of the challenge of the finance of a used asset is simply that some firms actually thrive on and understand the functions of this type of deal, and some, by policy or otherwise (inexperience, etc) do not.

Part of the issue revolves around whether the financing is approved on the basis of your overall financial condition, or, if in fact that plays a secondary role to the actual value of the asset. We suppose if you are a lender the best of each world would apply, but it doesn’t always work out like that!

In some cases the actual rate and structure of your transaction might look a little different if you are financing a used asset. That might mean, for example, a shorter lease term, a down payment, or a higher interest rate, all of which might reflect your lessor or lenders overall view of the transaction .

Using technology

as an example it is very achievable to do a sale leaseback on your tech and computer assets. However, safe to say that market values will no doubt reflect a shorter term in your lease or loan.

In recent years an interesting phenomenon has take place in Canada, as various traditional auction and appraisal firms got into the finance business. Why? Simply because they are very able to recognize the true value of a marketable asset, including finding the right end user if things go wrong. Also the emergence of the internet allows many finance firms to continually test the value of certain assets they finance in their portfolios. That’s a good thing. At least for them.

In financing used equipment under leases or loans you should well expect to have an asset appraised in some manner. It might be a simple ' desk appraisal ' - that being done by your finance or lease company at their premises via research. In certain other instances fully expect to bear the cost of a third party independent appraisal to validate the condition and market value of the asset.

One challenge that sometimes arises in used equipment financing is that you have either sourced the asset in a different country (certainly quite common in the Canada / U.S. scenario), and perhaps further complicated by the fact that it’s a private sale. By that is meant that you are buying it from another firm or actual user, not a dealer, distributor, retailer, etc. If clear title can be proven you should be in a good position to still obtain the financing you need for the asset, but a caution that it’s certainly not a guarantee.

Clearly you can protect yourself in a number of ways, including actually visiting and inspecting the asset, insuring it, providing only a down payment, or insisting on some sort of final acceptance criteria .

You also will want to enter into either a capital lease or an operating lease that adequately reflects the remaining useful life of the asset.

Our bottom line? Simply that used equipment and assets in many categories can be financed under the right circumstances. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your used asset finance needs.

7 PARK AVENUE FINANCIAL
CANADIAN EQUIPMENT LEASING AND 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/used-equipment-leasing-financing-loans.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