Working Capital Finance. Untying Funding For Business Cash Flow Needs In Canada

Abandon All Hope Ye Who Enter World Of Canadian Business Financing . Not So Fast Though





OVERVIEW : Information on working capital financing in Canada . Funding for business cash flow solutions can be achieved in a number of ways via asset monetization


Working capital finance in Canada . Talking to clients some days feels like they have entered the world of Dante's Inferno, via his famous quote ' Abandon All Hope Ye Who Enter '!

So when it comes to funding for business in Canada does it seem to you that you’ve got that ' tied up ' feeling when it comes to unlocking sales and assets and turning them into cash flow? That doesn’t have to be the case, so let's dig in.

The concept of assets ' tied up ' is key to understanding working capital financial solutions. Ultimately you want to monetize current assets and allow those funds to flow through your business - growing your company.

Two types of what we can call ' instant cash ' immediately come to mind. The first is of course assigning your receivables to a bank via a Commercial business line of credit. If your firm qualifies rates are low and you're typically allowed to borrow 75% of month end margined receivables. The margining formulas pretty simple - you can draw down on your line of credit on any accounts under 90 days old. A/R over 90 days is typically viewed as ' uncollectible, as a result your bank is reluctant to finance those specific accounts.

Another solution, which gains traction everyday in Canada, is the RECEIVABLE DISCOUNTING financing that uses another method of financing your 2ND most liquid current asset - Your receivables. (Cash is most liquid ... inventory is 3rd!)

This method of working capital finance differs from the bank solution in Canada. Instead of pledging your receivables essentially the same security agreement is used to denote the sale of your receivables on a one of or ongoing basis. While this method has a different pricing model, (it’s higher!) It allows you to borrow 90% of your A/R value, which is significantly better than bank limits.

The A/R Discounting model can also be combined with inventory and equipment financing, allowing you to maximize borrowing power on all you unencumbered assets. When combined in this manner it becomes what is known as an ' ABL ‘; an asset based line of credit working capital facility .

Both receivable discounting and asset based credit lines, or traditional bank credit allows you to reverse your ' slow growth ' policy if that’s because of a lack of funding for business.

All of these types of facilities do one thing - they reduce the time gap between building or selling something, and collecting your cash from clients. It is important to note that in all these facilities described you are only paying what you are using, so the ability to draw down on working capital is always there.

In summary, it’s quite easy to feel ' tied up ' when it comes to cash flow financing. You have orders, projects, contracts... the only thing lacking is the capital to move forward. Get the breathing room you need in cash flow financing - seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of solving funding for business success.



Stan Prokop - founder of 7 Park Avenue Financial


http://www.7parkavenuefinancial.com


Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years - has completed in excess of 80 Million $$ of financing for Canadian corporations . Core competancies include receivables financing, asset based lending, working capital, equipment finance, franchise finance and tax credit financing.
Info re: Canadian business financing & contact details :

7 Park Avenue Financial = Working Capital Finance Solutions





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

Equipment Finance In Canada. What Are Great Lease Financing Companies Worth To Your Business

If Perfect Asset Financing Was Real What Would It Look Like?

OVERVIEW – .Information on equipment finance in Canada . Let lease financing companies bridge the challenge of asset acquisition for the growth of your business




Equipment finance in Canada . Is it possible, clients ask, to achieve asset financing ' nirvana' when it comes to running and growing your business? Lease financing companies just might be the solution to that eternal conundrum of acquiring equipt. you need for your company. Why? Let's dig in.

Leading experts tell us that 80% of North American companies use lease finance when acquiring assets. So when the Canadian business owner / financial manager understands how the leasing marketplace runs they are immediately ahead of the game Just investing some time in the basics we have always maintained can save you thousands of dollars . Simply things like knowing how a lease finance firm generates a ( fair ) profit, how they evaluate your firm and asset finance request, and even simply saving tons of mgmt and ownership time by knowing who the players are .

In Canada today you can pretty well lease any asset, many intangibles included, such as computer software, or service and maintenance contracts related to your acquisitions. The industry thrive on serving all aspects of asset size, from the small ' micro ticket ' transactions right up to and including that personal corporate jet aircraft you've placed an order for !

If your firm has solid credit, typically exhibited by growing revenues, cash flows, and profits that are reflected in your balance sheet you're even in a strong position to negotiate rates that are extremely aggressive these days. Even the banks have fairly strong ventured back into offering equipment finance via separate divisions within the banks. Although credit criteria are high interest rates and structure flexibility are extremely attractive.

Medium sized and larger corporations and governments commonly even find themselves in the enviable position of tendering out their lease finance business - thereby acquiring finance rates and terms that are the best within the industry.

It always helps to have some expertise backing you when you venture into the lease finance world as a ' NEWBIE '! That might include advice from a seasoned business advisor, accountant, or lawyer on financial statement issues related to your lease request, the type of lease you are choosing, how to protect yourself in the documentation process, etc .

If you know your business you should clearly know your firms assets and their values. A large part of the ' profit strategy ' of lease financing companies in Canada revolves around the bet that you'll return the equipment. So low monthly payments sometimes come at the risk of having to return the asset at the end of term, allowing the lessor to capture that ' reasonable ' profit we alluded to earlier.

We find many of our clients don't fully understand operating leases, as such they are seduced by low payments, and even what can seem like negative interest rates, not fully understanding their obligations at the end of the lease term.

Don't forget also that you can often increase your own firms sales by lowering the sales cycle time by implementing a customer finance program for your own customers if your product allows you to do that . You an easily align yourself with a finance partner that will work with you and clients to maximize revenues, eliminate client budget challenges, and simply make the adoption of your products ' hassle free '.

Business owners and managers never want to lull themselves into complacency when it comes to staying competitive. However, as we have shown a strong grasp of asset financing via Canadian equipment finance companies saves you money, time, and prolongs your competitive edge. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your asset finance 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 85 Million $$ of financing for Canadian corporations . Core competancies include receivables financing, asset based lending, working capital, equipment finance, franchise finance and tax credit financing.
Info re: Canadian business financing & contact details :


7 Park Avenue Financial = Canadian Equipment Finance Solutions




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

Credit Line For Business? Choose Between An ABL Or Bank Commercial Finance Facility

We’re Not Kidding . There Are Two Types Of Business Credit Lines


OVERVIEW – .Information on choices for a credit line for business. Canadian business owners and managers can choose between non bank ABL facilities or Canadian chartered bank credit lines. Which one is best





Credit Line for business ? The other day we were talking to a business lawyer friend of ours, and we asked him which was better , the traditional Canadian chartered bank line of credit, of the non bank ' ABL' ( asset based line ) for commercial finance purposes . Being a lawyer of course he started with. ‘Well on one hand, but then again on the other hand ...’ ; we wanted to get a bit more specific than that though. So let's dig in.

The reality. You have two choices for business credit lines in Canada. They are both suited to companies that are growing , but non bank ABL's fill the gap for many firms that can't acquire the traditional financing they need from chartered banks in Canada . That might be due to lack of proper equity or profits that are struggling for a temporary period.

Both bank credit lines and asset based lending facilities can also be used for other purposes, other than day to day financing .That might include acquiring another business.

A key area that always becomes a discussion point with clients is the cost of these two different credit facilities. On balance asset based lines of credit are more expensive. However, while cost is no doubt a factor in financing any business suffice to say that access to capital is just as important. We quite frankly remember one client who hasn’t significantly increased their borrowing power after having considered an ABL COMMERCIAL FINANCE facility. In fairness, on occasion better quality borrowers will find they can equal or better bank pricing, but on balance they can expect two things from an ABL credit line:

INCREASED BORROWING POWER ( GOOD! )
HIGHER COST OF FUNDS ( YOU DECIDE! )

The basic mechanics of setting up either a commercial bank facility or ABL in Canada isn’t that different. You need to be able to demonstrate that you can produce on going financial statements, as well as proper regular reporting on aged receivables, payables, inventory summaries, etc.

We suppose that you can set up a bank line of credit for almost any amount, even unsecured for smaller facilities. These smaller facilities via a Canadian chartered bank don’t even require regular reporting, and as much emphasis is also placed on the owner’s personal credit as the business, as all business owners in Canada guarantee their credit facilities. There's rarely no chance of getting around that one!

But when it comes to a ' real ' credit line of business typically 250k facilities are the entry point. And the upper limit. There is no upper limit if your firm has financial strength!

We stress to clients that if there is one key benefit to ABL facilities over bank lines it’s simply that margin power is more generous - typically A/R is financed at 90%, Inventory anywhere from 25-75%, and the uniqueness of an asset based credit line is that you can borrow against unencumbered fixed assets also.

Bottom line - when it comes to business credit lines you have a choice in Canada. While bank facilities are low cost and plentiful, if your firm can’t quality of has special needs ABL credit comes to the rescue. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your commercial financing needs.




Stan Prokop - founder of 7 Park Avenue Financial

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years - has completed in excess of 80 Million $$ of financing for Canadian corporations . Core competancies include receivables financing, asset based lending, working capital, equipment finance, franchise finance and tax credit financing.
Info re: Canadian business financing & contact details :


7 Park Avenue Financial = Canadian Business Credit Line Expertise






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

Tax Credit Financing In Canada . Authenticated SR&ED ( SRED ) And Film Credit Finance

Lights Camera Action Cut! What? You Can Finance Canadian SR&ED & Film Tax Credits? !





Tax credit financing in Canada. Whether its SRED (SR&ED) credits or film, animation or television credits the financing of these generous credits in Canada provides valuable working capital and cash flow financing for companies or projects. We're focusing on the most financeable types of tax credits - ' FILM ' and ' SRED". Let's dig in.

Let’s first take a look at the R&D (sred) credit program as it pertains to financing. While no business owner or financial manager would disagree that an investment in research is important to competitive growth in any company they're the first to agree that it can be an expensive and cash consuming investment in your firm’s future.

And while Canadian business financing of any type is a challenge, spending money on R&D simply accentuates that challenge. And since your firm’s research is rarely capitalized on your balance sheet (and if it is your lenders discount the asset!) obtaining financing for your SRED claims simply makes total sense!

Financing your SR&ED claims could not be simpler. And the good news that we continue to share with clients is that more innovative products are coming on board all the time - including what we could term SRED LINES OF CREDIT, also sometimes called Accrual Sred Finance.

Let's briefly examine the simple mechanics of financing your SR&ED tax credit. After your claim is prepared (typically by your own firm or a SRED ' Consultant’) it is filed along with your corporate tax return. The minute that happens it is immediately eligible for financing. Typically banks in Canada do not finance these credits directly, although they might for a well heeled firm that has a strong bank relationship in place.

Non bank SRED FINANCING works as follows - your claim is financed to a maximum of 70% loan to value. Simply speaking on a 200k claim you are eligible for 140k of immediate funding. The financing of your tax credit is best described as a bridge loan - no payments are made for the duration of the claim, and when it’s approved by the government you obtain the balance of the funds, less financing costs that accrued during the loan period. Simple as that.

As we noted, more innovative sred credit lines, or sred accrual finance allow you to receive funding as you spend prior to your final filing of your claim . Talk about ongoing working capital and cash flow that all of a sudden make that investment in research much more palatable to your firm.

Remember also that financing tax credits in Canada is a solid alternative to additional equity or taking on more debt.

We're thinking that your Canadian business doesnt make a lot of movies, TV shows, or animation projects? However, if you're a producer or owner of projects in the media and entertainment industry tax credit financing is of course for yourself. It’s our 2nd major category of tax credits financed, in addition to those SRED credits.

In Canada, aka ' HOLLYWOOD NORTH ‘, there's intense competition among the provinces to finance film, animation and TV tax credits. Although it’s a highly specialized form of tax credit it only takes a legitimate project, a good tax credit accountant (they prepare and itemize your claim) and you're able to access the same level of funding we've already spoken of, in a similar manner.

Provinces such as British Columbia, Ontario and Quebec garner most of the tax credit action, and although there are some differences in amounts qualifying suffice to say that these media credits are very generous, and very financeable. Canada as a country recognizes that providing these credits generates billions in income and significant employment in the industry.

Foreign producers, primarily U.S. based, can also access these credits for productions done in Canada as long as they qualify under a simply point system for what is known as co-ventures. Points accrue for having a Canadian producer, how much you spend, etc.

Our bottom line? Pretty obvious. Financing tax credits makes sense and helps cash flow companies and projects. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your tax credit finance 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/tax-credit-financing-film-sred-credits.html





CONTACT:
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

Government Business Loan Financing in Canada . Not Getting Your Questions Answered ?

Heard Or Worried About That Secret Government Stuff ? The Best Kept Secret ?



OVERVIEW – Information on on a best kept Canadian finance secret, the government business loan . Let this type of financing start your start up or expand your existing business


Government Business Loan . In Canada? Yes, Virginia, it really does exist and anywhere between 7000 - 8000 Canadian companies a year take advantage of it. So no , it isn’t really the ' secret government stuff ' you've been reading about in the papers these days - i.e. phone and internet privacy invasion, etc. It's simply a solid way to put a start up or growing business in the SME sector in Canada on great financial footing. Let's dig in.

So why don’t the majority of business owners and managers know about this program, denoting our ' Secret " status? We think it’s because they think that anything to do with the government involves complex qualifications, too much documentation, and difficulty in approvals. Our view - NOT THE CASE!

Government business loans, commonly known as ' SBL’s, are a great option when financing seems difficult. The trick - understanding that you're never; we repeat ' never ' dealing with the government. You simply have to locate a Canadian chartered banker who knows and understand the program. We meet many clients who have suffered through finding that one special banker that feels very comfortable with the program. And all they had to do was ask!

So how do you take the guesswork out of govt business loans? It's simpler than you think. You need to understand how the loan works, what options are available re structure and type of assets financed ( only THREE types of assets can be financed - equipment and leasehold improvements and real estate ) and why this financing options matches even the financing that much larger corporations can't achieve . (No repayment penalty, minimal owner guarantees, etc)

SBL loans in Canada incent Canadian banks to lend to your firm. Why? The government guarantees a huge portion of the loan if it is properly administered and documented. So ' private sector ' Canadian commercial chartered banks are now in a position to... you guessed it... LEND!

As stated earlier, only 3 asset categories are financeable under the program. They are:

Equipment
Leaseholds
Real Estate - rarely used for this program - but it's available

Contrary to popular belief (or wishful thinking?!) these are not cash or working capital loans, or equity financing.

So let's talk about eligibility, repayment and structure, and, most importantly, the approval process.

You're eligible for this program if your company, proprietorship, or partnership is legally allowed to borrow in Canada - i.e. owners Cdn citizens, or landed immigrant status. You also must have a reasonable credit history personally as owner, which is in fact a criteria for almost all business borrowing in Canada. You also must have a premises lease that is consistent with the term of the loan you are requesting.

The basics on structure and repayment? Easy. 5-7 year terms, no repayment penalty, rates at 3% over prime, and 25% owner PG. (Personal Guarantee)

Finally, the approval process. Not what you think. A simple business plan or exec summary, a cash flow forecast, background info on owners, decent credit history, some related business/mgmt experience.

We're sure there are a lot of ' government secrets' these days. But the best kept one is one you should know about - Government business loan financing that's used by thousands of firms just like yours. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can clear up those questions in short order.



Stan Prokop - founder of 7 Park Avenue Financial

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years - has completed in excess of 80 Million $$ of financing for Canadian corporations . Core competancies include receivables financing, asset based lending, working capital, equipment finance, franchise finance and tax credit financing.
Info re: Canadian business financing & contact details :


7 Park Avenue Financial = Government Small Business Loans Expertise




CONTACT:
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

Contract Payment Financing . Understanding The Science Of Contracts Finance In Canada

Shocking News Sales Does Not Equal Cash !


OVERVIEW – .Information on contact payment financing in Canada . How to address contracts finance in terms of needs and mechanisms




Contract payment financing in Canada . Here's a shocker for you (not!) Generating sales revenue does not equal cash! And if you're in the contracts finance business there's an even longer lag than usual. Can this be addressed? Yes, in a number of manners, both internally at your firm, and externally through proper financing. Let's dig in.

If you're fortunate enough to be in an ' all cash ' business your investment requirement in accounts receivable is... Nil. Businesses selling on standard commercial credit terms typically have 30 days terms, and receivables tend to be collected usually within 30-60 days. Businesses selling under contracts with clients find themselves in a unique position; they are required to pay for materials, wages, and other goods and services while waiting for payment under the terms of their longer contracts with clients.

If proper contracts and contract financing is not put in place those businesses are challenged to create additional revenues, let alone maintain their commitments to suppliers, banks and commercial lenders.

Businesses that have proper contracts in place with reputable clients are actually in a better position than they might think. The trick is to ensure that your lender understands the nature of your payment structure and that your payment rights are properly assigned in order that they can be financed.

Monetizing your contracts, if done successfully allows you to finance contracts properly and invest in more projects. The key to proper financing of your contracts is not necessarily your balance sheet - rather it’s your credibility and expertise to complete your contracts, bill them properly,

Typical reasons for contract/PO financing are as follows:

Your traditional lender/bank is unable to accommodate financing of this type

Suppliers insist on some level of pre payment

Large contracts are being turned down by your company due simply to lack of financing

Additional debt and equity financing are either not available or not desirable

Your firm’s invoices to your clients can be monetized directly into cash in one of two ways. They can be cash flowed with immediate funding via an asset based line of credit, or alternatively, suppliers can be paid directly via a PO FINANCE/SUPPLY CHAIN facility.

The benefits of a properly structured CONTRACT FINANCE facility are key. They include:

Vendor and Supplier Satisfaction

Ability to take on significant revenue projects not previously considered
Pricing power via supplier discounts

Properly structured financing wont be prejudicial to the type of industry your firm is in. Unfortunately many firms find themselves out of favor when it comes to their search for traditional contract finance. That shouldn’t be the case if done properly. In some cases the easiest way to resolve contract funding is to simply have your client acknowledge that the work you have billed for has been performed/received. What could be easier than that?



By the way, in the technology industry many contracts can also be financed under recurring revenue streams your firm bills - that might be software as a service, long term service contracts, etc.

Bottom line, don’t let the inability to finance contracts hinder your sales growth and financial progress. Seek and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with contract payment financing solutions.



Stan Prokop - founder of 7 Park Avenue Financial

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years - has completed in excess of 80 Million $$ of financing for Canadian corporations . Core competancies include receivables financing, asset based lending, working capital, equipment finance, franchise finance and tax credit financing.
Info re: Canadian business financing & contact details :

7 Park Avenue Financial = Contract Payment Financing In Canada






CONTACT:

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

Asset Finance Is All About Turnover And Canadian Business Financing Solutions Geared Specifically To Your Firms Needs

A Surprising Way To Measure Your Business Financing Needs – The GANG OF FOUR!



Information on asset finance solutions in Canada and why Canadian business financing is complemented by solid understanding of turnover of assets



Asset finance . When it comes to Canadian business financing there some surprising simply , yet powerful , shall we call them ..' tricks' when the business owner or financial manager needs to measure current and future financing needs . And those ' tricks ‘? They’re really just simple tools to measure ASSET TURNOVER. Let's dig in.

Speed counts in a lot of aspects of business - not all the times, but often. So the speed at which you turn assets into cash will often ultimately dictate the type of finance your firms needs to make it to the goal line.

It's important though to look at the trends in those numbers over time, not just on any one day. Let's take inventory as an example. Yes of course you want to know how many times your inventory turns ( Sales / Cost of Sales ) - It's important, but wont on it's own dictate the over all health of your company.

The GANG OF FOUR, as we'll nickname them, dictates how you are using those assets. They are:

A/R
INVENTORY
FIXED ASSETS/EQUIPMENT
TOTAL ASSETS

Knowing your DSO, ' day’s sales outstanding “simply tells your company how long it takes to turn over your accounts. Because you are selling on credit you need financing to support the sales growth in your A/R levels. Companies can address receivable financing via:

Factoring (Traditional)

Confidential Receivables Finance

Commercial bank lines from Canadian chartered banks

Non bank asset based lines of credit that are individual or combos of A/R and inventory margining

When you do a good job of granting credit, and collecting A/R even more expensive alternative finance solutions such as factoring make strong sense. Many clients we meet are in the business of PROGRESS PAYMENTS. Here's where things get a bit tricky, but they don't have to be. If you're able to get a down payment that helps - many firms do that. And, guess what? Progress payments can be financed if you've got the right financing partner.

We've touched on inventory finance already a bit, so let’s look at Asset turnover in general. You use your non current assets to typically operate your company and generate revenues. This is particularly important if you are in a capital intensive business. We meet with many clients who are service based and have little need for asset finance. At the other end of the spectrum are companies who need to utilize:

EQUIPMENT FINANCE
SALE LEASEBACKS
BRIDGE LOANS
ASSET BASED LINES OF CREDIT THAT INCLUDE FIXED ASSETS

as methods of Canadian business financing.

As we have said there are numerous ways to measure how much financing you need, and what type of financing works best for your particular situation. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your capital needs.


Stan Prokop - founder of 7 Park Avenue Financial

http://www.7parkavenuefinancial.com

Originating business financing for Canadian companies , specializing in working capital, cash flow, asset based financing . In business 10 years - has completed in excess of 80 Million $$ of financing for Canadian corporations . Core competancies include receivables financing, asset based lending, working capital, equipment finance, franchise finance and tax credit financing.

Info re: Canadian business financing & contact details :



7 PARK AVENUE FINANCIAL = CANADIAN BUSINESS FINANCING AND ASSET FINANCE







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