Equipment Financing Companies In Canada . Asset Leasing Works When You‘re Plugged In To The Right Info!

Debunking 7 Misconceptions On Financing Assets In Canada . Myth Vs. Reality



OVERVIEW – Information on equipment financing companies in Canada . Demystifying asset leasing in Canada with information the Canadian business owner and manager needs to know when assessing solutions for acquisition of assets




Asset Leasing In Canada. Equipment Finance Companies have, for whatever reason some myths and plain old bad information associated with who they are, what they do, and what benefits the Canadian business owner and financial manager derive from the use of equipt. financing. Let's dig in.

Myth # 1 - Everyone's doing it! Actually that one is close to 80% correct because experts tell us that over 80% of businesses in North America (hey that's us also!) utilize business leasing to achieve asset acquisition. We can't speak for the other 20% - hopefully they are your mis-informed competitors.

Myth # 2 - A lease is kind of like a loan right? Not really, although bridge loans, term loans, conditional sales agreements, etc are asset finance transactions a lease is not a loan. Accounting, tax and other issues make lease finance a uniquely special proposition when you're acquiring assets.

Myth # 3 - Only certain assets can be financed. That’s definitely not the case, as almost any asset, tangible or intangible (software is a good example) can be financed. The flexibility and creativity that goes into non standard asset financing is significant.

Myth # 4- There is only one type of business lease. That one is definitely not true, as in Canada the business owner/financial manager has the option to utilize a ' capital' lease to own strategy, or alternately, an 'operating ' lease to use finance choice. It really depends on the type of asset you are financing, its long term use to your firm, and its value. Oh and by the way, within those two basic lease option structures your company has the ability to structure payments that make the transaction more beneficial to your firm.

Myth # 5 - A lease company is a lease company, right. Not so fast! There are all types of lease companies in Canada - while they are segregated generally into small, medium and large ticket lessors they in fact range in size and geographical focus. The industry is made up of independent commercial lease companies, bank entities, and insurance companies. And ownership can be Canadian or U.S. based. Just knowing what leasing company to deal with for the assets your are financing is worth its weight in gold when you factor in time spent, interest rates, structures offered, and credit approval criteria .

Myth # 6 - The main benefit to asset financing via a lease is the 100% financing and fixed monthly payment. While that is of course true, there are numerous other benefits to asset financing under a lease structure - they include hedges against asset obsolescence, the ability to upgrade assets, tax and accounting benefits, cash flow management, etc .

Myth # 7- There are no risks in leasing. We wish we could say that is true, but in reality any aspect of business always has risk and some of the potential risks in lease finance include loss of asset values, repossession for non payment /default , risk of asset loss, insurance obligations,etc. The good news is that a properly structured lease, with the right partner firm or advisor can mitigate significantly, or entirely all those risks.

There you have it. Our debunking is complete. Seek out and speak to trusted, credible and experienced Canadian business financing advisor who assist you in setting the record straight on equipment finance companies and asset leasing in Canada.



7 PARK AVENUE FINANCIAL
CANADIAN ASSET FINANCE 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 :


Canadian Business Financing







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

Receivables Discounting Solutions In Canada . Getting A Handle On Debtor Factoring Solutions That Make Sense

There’s A Big Problem When You Don’t Understand Factoring and A/R Finance




OVERVIEW – Information on receivables discounting solutions in Canada . How does debtor factoring differ from standard bank credit lines , how does the process work, and why is it a viable option for owners and managers seeking a cash flow solution to business finance challenges





Receivables discounting solutions in Canada. Not understanding something in business can often be simply confusing - sometimes it's downright dangerous. So let's take a basic look at debtor factoring solutions; how do they work, what do they cost, and why in the heck you would consider such a Canadian business financing solution. Let's dig in.

First of all, it’s nothing new, that’s for sure. It's a method of financing that’s been around for only hundreds of years. We’ve heard it originated when the Dead Sea was simply ill!

Often confusing with bank lines of credit that are receivable based, it's simply a process where you arrange, on a one time, but usually on an on going basis to sell your A/R for immediate cash as you generate sales. If we were keeping things really simple we would tell you that you generate an invoice for $ 100,000.00 dollars and you receive that cash, right away, as we have said.

Well almost, the actual process has you receiving 90%, 90,000.00 - the balance is a hold back to cover off any short payments or extended pay issues. That 10k balance, ' the hold back ' is remitted back to you, again, immediately, as soon as your client pays. Deducted from the 10k are the receivables discounting fee, which customers tend to refer to as the finance charge for the transaction.

So what don't Canadian business owners and financial managers often understand? The reality is they tend to view of confuse the whole process with bank loans. While the bank registers pretty well the same security against the A/R as the finance firm helping you with factoring, the issue is simply that the bank lends on an ongoing basis against the receivable, and other security they hold as collateral. The challenge in accessing bank credit lines is that your firm must have clean balance sheets, profits, cash flows, personal guarantees, and other qualifiers that ' sometimes' make it challenging to access A/R finance.

Oh and buy the way, if you're a start up or experiencing intense hyper growth that challenge of accessing bank financing is even more daunting. So as we have said, you'll understand receivables discounting a lot better when you separate it from what Canadian chartered banks do with A/R, and how the daily process actually works. Hopefully we've already brought some clarity to the problem of understanding your different working capital and cash flow solutions - they all achieve the same goal, it's just that sometimes they work and cost a little differently.

The issue of cost is always a matter of ' mass confusion' when it comes to debtor factoring. Bank lines of credit are the cheapest and most flexible form of financing in Canada. That’s a safe statement we can make. But when that type of business credit can't be accessed then its alternative financing solutions that make sense. Yes the cost is more, but that cost is offset against all the cash flow your firm now has access to. Quite frankly we can comfortably make the statement that you have unlimited cash flow, with no upper limit, if your firm has the sales and receivables to backstop your facility.

Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your receivables discounting solutions to enhance cash flow and access to capital.


P.S. Don't forget to ask that advisor about CONFIDENTIAL A/R FINANCE allowing you to bill and collect your own receivables in a manner that suits your firm and your client relationships.



CANADIAN RECEIVABLES DISCOUNTING 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 :

RECEIVABLES DISCOUNTING SOLUTIONS AND DEBTOR FACTORING







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

Canada Business Loans . Is There A Secret Society In Canadian Business Financing?

It Doesn’t Have To Be Secrets And Mis-information When It Comes To Business Finance Solutions



OVERVIEW – . Information on access to Canadian business financing solutions . Asset monetization and loans that makes sense for your firm are readily available – if you know where to look – and what you’re looking for!




CANADIAN business financing is a challenge anytime, from the entrepreneur's dream of l start up loans to major corporate needs. We think the Canadian business owner and financial manager can be forgiven for sometimes thinking that there is a SECRET SOCIETY they have to penetrate to get the financing they need.

That of course connotates some sort of organization where the activities and inner functioning are concealed from non – members; i.e. Your Company! Does it have to be that way? We don’t think so and here’s why.

The current business environment makes the above noted challenge even more daunting. Whether a firm is established and doing well, or experiencing financial distress or working capital or growth needs - the challenge remains the same – cash flow and solutions for financial growth.

What is the 'challenge'? Simply speaking it is identifying the proper financing solution , determining whether the solutions is a short term fix or a long term solution , and then, most importantly executing with experience the proper financing solution.
The business owner must be able to properly position the current shortcoming as both an opportunity and risk appropriate.

Proper financing begins with the owners and his advisors ability to identify the current financing challenge. The owner and advisors must provide a compelling reason for the lender to assist in an appropriate financial solution.

Who are these 'advisors'? Typically they are internal financial staff, i.e. CFO/Controller, etc, or alternately third part accountants and experienced financial intermediaries with a track record of success.

Business Financing is complex - However at the end of the day the financing solutions are actually very well defined - They are as follows:

Leases and Term Loans

Working Capital Loans

Asset Based Lines of Credit

Bank credit lines

Non bank credit lines

Receivables purchasing

Inventory Lines of Credit
Leasing and Sale Leaseback / Bridge Loan Strategies

Purchase Order /Contract / Supply Chain Financing

Commercial mortgages

Tax Credit financing


The business owner, and their advisor, should have a very clear focus - That focus is as follows:

What is the best financing solution on either a short term or an intermediate/long term basis for the business?

Does the business owner or executive clearly understand all the financial options available - what are the criteria for these different options - what are the rates/terms and structures for each option.

Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with business loans and asset monetization 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 :

CANADIAN BUSINESS FINANCING LOANS



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

Cash Flow Finance . Why You Should Be Seriously Concerned About Business Financing Availability!

Have We Got A Story For You ! Ready for the Honor System in Business?!


OVERVIEW – Information on the importance of cash flow finance for the Canadian business owner and tools and solutions to aid in working capital business financing.



Business financing and cash flow finance in Canada. We've got a story for you on this one - even we couldn't believe it. It was an article in the English press that... are you ready for this... called for an honor system of sorts for companies to pay each other promptly!

Yes, you heard it right... the honor system in business! It had evolved into something called the ' PROMPT PAYMENT CODE ' which had firms signing up to commit they would pay promptly. While we in Canada can only aspire to such a trend... (or legislation)! it's simply tough for us to imagine businesses being nice to each other and actually paying promptly.

Well, putting the PROMPT PAYMENT CODE aside the article also pointed out that 25% of all firms experience cash flow problems and challenges that hurt their performance. A lot of that, it was pointed out, revolves around the ability of a company to seriously assess their payment terms and client relationships in the context of cash flow

There are a lot of solutions to cash flow financing for the Canadian business owner and financial manager. One of the immediate ones is clearly simply putting a finance solution in place that solves the ' slow payment ' problem with your clients, hampering your ability to run, much less grow your business.

Invoice finance, aka ' factoring', aka ' receivable discounting ' is one solution to that problem. That as well as other finance vehicles such as asset based non bank non bank lending facilities, as well as of course Canadian commercial bank business credit lines can do the job very well.

Those solutions, as noted above, simply take business assets such as receivables and ' cash flow' them into operating working capital. Naturally day to day cash flow financing can also be utilized to even finance a company purchase, which is usually finance by a combination of term debt and operating debt.

Many Canadian business owners and managers are also not aware that their long term receivables and contracts can also be ' cash flowed' into a business financing solution. Naturally every business has its own somewhat unique cash flow need - that might be an acquisition or, say in the case of a staffing company, the need to meet payroll! Employees love to get paid.

So why business owners should be seriously concerned about their ability to both assess and solve some of the challenge we've spoken of here? The answer is that having a handle on your overall business liquidity helps you measure the difference between cash flow and profits (they’re different!), which is key to any of your short term or senior lenders also. You're also in a position to evaluate investing in assets to run/grow your company.

Taking a good look at your cash flow statement (its page 3 of your financials - right after balance sheet and income statement!) allows you to assess how you are operating and turning assets, what you have spent or received on asset purchases or sales, and what you have borrowed or paid out. Having a good handle on all those gets your closer to cash flow nirvana!

Availability of cash flow solutions for your business allows you to be less concerned about cash flow survival. Immediate solutions include:

Receivable financing
Bank and non –bank business credit lines
Sale leasebacks
Tax Credit Financing
Unsecured cash flow loans
Contract/PO finance


Do we ever seen Canadian businesses signing up for our version of a PROMPT PAYMENT CODE OF HONOR? Well , we’re going to dream, but in the meantime seek out and speak to a trusted, credible and experienced Canadian business financing advisor>who can get you ‘ less concerned’ about business financing and cash flow and working capital solutions in Canada.







7 PARK AVENUE FINANCIAL
CANADIAN CASH FLOW FINANCE AND BUSINESS FINANCING EXPERTISE













Stan Prokop

Working Capital And Factoring Solutions In Canada – Considered The The Plus And Minus Scenarios?

What’s The Difference? A Factoring And Working Capital Term Loan Primer


Information on working capital financing and factoring solutions in Canada . How does the Canadian business owner evaluate the positive and less than positive aspects of each cash flow solution?



When business owners and financial managers think of ‘cash flow ‘two terms are almost synonymous, 'factoring', and 'working capital'. Is there a difference? Yes, a major difference. It kind of comes down to a ‘plus’ or ‘minus’ situation – a term that’s universal in any language.

We believe that when Canadian businesses think in terms of working capital that is often in the context of permanent working capital. This can be in a couple forms, a term loan, a mezzanine loan, or subordinate debt. These are the key terms of ‘high finance’ for working capital loans! With loans such as these businesses typically use the working capital derived from the loan to invest in sales and marketing, implement new products and strategies, and purchase inventory and materials for further corporate growth.

There are numerous advantages to a working capital term loan. Repayment of the loan is typically in the 5 -7 year range. As such that clearly frees up cash flow. Let’s do a quick example – If a Canadian business borrowed $ 150,000.00 and was successful in getting a term loan in place the monthly payments over a 5 year period would be approximately $ 3000.00 per month. (We used an interest rate of 8% just as an example).

Depending on the flexibility of the lender payments can be structured, or even potentially deferred, based on the nature of the customer’s needs and overall financial situation.

Naturally any financing scenario as positioned above is long term permanent working capital, which is generally viewed positively by business owners and their lenders. It is in effect a form of ‘patient working capital ‘.

Long term working capital loans in effect ‘compliment ‘your existing secured creditor relationships. For the purposes of this article we won’t dwell too much on the aforementioned subordinated debt and mezzanine debt – we will simply say they are unsecured ‘ cash flow ‘ loans, long term in nature, with rates substantially higher than chartered bank rates due to the general unsecured nature of the loans . The lender is simply taking a position that your firm will be able, based on historical and present financials, to repay the loan out of cash flows.

We’ve discussed the ‘permanent ‘ working capital loan and have seen its characteristics, i.e. term loans, longer repayment schedules, fixed rates, terms and structures .Now lets look at totally immediate working capital/ cash flow, which many customers in Canada are achieving by a factoring or working capital cash flow facility .

The factoring solution is immediate. Transactions and facilities can usually be approved in a much shorter time frame. Every customer is different of course, and in many different industries, but based on a review of your financials and your business customers receive immediate significant advances (typically 90%) of their sales invoices.

Since the heart of any business cash inflow comes from collected receivables business who ‘struggle’ with the collection process often face cash flow shortages due to slow paying customers. Conversely, as receivables and inventory build up for good reasons (good reasons = more sales) the companies investment in receivables and inventory grows.

Factoring, or receivable discounting as it is also known, is based on the overall size, quality, and collection experience related to your billings. It is very safe to say that current invoices are more easily factored (sold) than 65 day unpaid invoices from slower paying customers.

Many factor firms assume the role of your collection department, some business owners actually welcome this as they have in fact utilized the very popular concept of ‘outsourcing‘re their collections . We're not a fan of these type of facilities and we prefer CONFIDENTIAL INVOICE FINANCE. Here the Canadian business owners bill and collects and administers their own receivables and client relationships.

So is factoring all goodness. Certainly not, what type of financing is. In factoring there is a usually a higher cost to finance your A/R portfolio. In Canada there are tens and hundreds of nuances and administrative procedures around the factoring process that many business owners struggle with. Factoring should be used for growth, not survival, and other strategies can be explored at a lesser cost and less intrusiveness to your business.

In summary, business owners considering the ‘ working capital/cash flow ‘ conundrum can consider long term working capital loans or short term receivable financing strategies for growth . There are a number of options around both of those financing, and in fact other options (example: a sale/leaseback of your assets or a real operating margined facility with a Canadian chartered bank) should also be potentially explored.

Review alL options, and work with trusted, credible, and experienced business financing advisor to find your optimal working capital solution.


Stan Prokop - founder of 7 Park Avenue Financial –

CANADIAN BUSINESS FINANCING

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 :

WORKING CAPITAL FINANCING AND FACTORING



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

Commercial Business Funding And Alternative Financing In Canada

A Bunch Of Different Ways To Finance Your Company?



Information on commercial business funding and alternative financing solutions in Canada . The right amount of debt and equity, with the right lender is key to successful capital structure.



Businesses need to in essence estimate the funds they will need ' over time'. We say over time because those funds will cover different periods in the company's growth.

Broadly speaking we can call this ' business financial planning '; however the whole process is somewhat more complicated due to the external financial and economic environment.Naturally after a firm develops some solid estimates around capital and growth needs the question then becomes 'How much of this funding should be borrowed via debt?'


Contrary to what management and financial mangers understand, debt is actually the cheapest for long term financing, supplemented of course by the fact that the interest on the debt is tax deductible. So should the business owner or financial executive take on all that debt? Clearly too much debt will restrict and potentially damage the firm, and perhaps even exposing the company to failure. Having said all that the business owner still then has a legitimate right to ask "What is the appropriate amount of debt for my company then?"

The answer is that a company has to plan towards finding a target debt ratio, or capacity that reflects their business and industry, as well as the concerns of any of the owners, re: guarantees, etc.

The essence of the business owner's analysis is the ability to understand the company cash flows which will pay down, or service that debt. Most business owners don't do enough planning in this area, and their analysis needs to be much more formalized.

Company owners quickly understand that because there is a limit to how much debt a company can take on, there has potentially to be an influx of owner or equity capital. Business owners and equity investors at that time have to have a strong sense of the value of the company both currently and on a longer term basis.

Practically speaking entrepreneurs and business people in all business sectors and in companies of all sizes are never going to be always eligible for either Venture capital or traditional financing, most commonly associated with Canadian chartered bank finance.
It sounds almost too simple but the famous 3 C’s of business credit (actually its personal credit also) can help the business owner /financial manager determine if they are eligible for the full amount of the funding they might need from traditional sources, (In many cases they will be eligible, but not for the full amount of borrowing they require to run/grow).

So those C’s? They are the world famous (to finance people at least) character, capacity and capital. Traditional financiers are of course risk adverse so when debt is high, or your growth is rampant that’s when alternative financing must and should be considered.

Some examples of alternative financial solutions include:

Factoring/Receivable Finance
Inventory /PO / Contract funding
Sale leaseback and bridge loans
Royalty finance
Private equity loans
Asset based non bank lines of credit

Business owners must be totally focused in the current environment of understanding the current realities of loan and debt negotiation. It is here an experienced advisor can become invaluable. Quality of the lending partner becomes key here. Most business owners eventually realize that all the banks have, give or take the same rates. They don't have the same people though! Therefore quality of service and commitment from the lender becomes ultra important.

In summary, business owners need to constantly assess their needs for debt or equity capital. Those needs are immediate, intermediate, or over the longer term.

Cash flow and owner philosophy on borrowing will dictate how much capital, and as we have seen, from where it comes. Owners that plan and understand the borrowing market will be more successful than those that do not. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your business funding needs.




7 PARK AVENUE FINANCIAL

CANADIAN COMMERCIAL BUSINESS FUNDING AND ALTERNATIVE FINANCE EXPERTISE










Stan Prokop

The Canada Small Business Loan . Here’s Your Free ‘ How To’!

Who’s The Winner In the Business Financing Popularity Contest ? It Just Might Be The ‘ SBL ‘ Finance Program!


Information on the Canada Small Business Loan Program in Canada. Providing financing up to 350k for equipment start up, growth , assets and acquisitions.



The Canada Small Business Loan program is an ongoing major initiative by the Canadian Federal government to provide capital financing to new and existing businesses that meet the criteria of the program.

The program is very popular in Canada, primarily because it a business loan that the business owner may not have been able to achieve elsewhere.

Many business owners and financial mangers either aren't aware of the program, or, as is more often the case, don't understand the requirements of the program and how to ensure a proper approval in a timely manner. Naturally, rightfully or wrongfully so, there exists a perception that any government type funding program is extremely paperwork and administratively burdening to the business.

There are several key basics that allow a business to ensure that they are in fact qualified to pursue the program.

Those basics are as follows:


1. The company must be a private corporation - public firms are not eligible

2. The company must be under 5 Million dollars in revenue

3. The loan must ' flow through' a registered administrator of the program - In Canada this is typically a chartered bank - this is one of the key perceptions of the program, in that the banks ' administer ' the program, but they don't own it

4. Only three major asset classes are covered under financing in the program - they are as follows: Equipment, Leaseholds, and Real Estate

The government, as we have shown, doesn't lend the funds, but it guarantees the funds to the bank


Almost every type of business in Canada can qualify for the loan program.
The challenge of course, as always, is ' How does my firm get approved?!'
If a business owner or manager feels they are not capable of providing a proper submission to the bank it is highly recommended that they used the services of a trusted financing advisor or intermediary.

We cannot overemphasis that the key to dealing with the government and the bank is that it is critically important to have all the necessary paperwork in a properly submitted and, hopefully, professional package.

What does that ' paperwork ' include? Companies should ensure the package reflects the current financial position of the company, a proper business plan and or executive summary, and miscellaneous personal data surrounding the bank and government requirements - i.e. statement of net worth, proof of no tax arrears, etc.
Most importantly is the need to position a proper purpose of the loan re dollars, timing, use of funds, etc

On occasion it might be appropriate to offer up other guarantors or additional collateral, but in general this is not required.

Most business owners don't realize the true benefit of doing everything once, the right way! In lending and loan approval that is important. You can re- submit and renegotiate, but that is not an optimal strategy for business financing success.
In summary, the bottom line is ' do it once, right '.

If you feel that can't be done internally engage the services of a trusted financing advisor with credentials in this area. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your ‘ Small’ business loan .

P.S. Is it just us or is 350,000.00 not that small?!



7 PARK AVENUE FINANCIAL
CANADA SMALL BUSINESS 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 :


Canada Small Business Loan



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