Asset Based Lending Via Qualified Lenders (Almost Better Than Having A Fake I.D.)

ABL Couldn’t Save Detroit But It Probably Will Help Save Your Firm From Financing Challenges




OVERVIEW – Information on asset based lending in Canada . Working with the right ABL lenders allows your firm to monetize assets and address growing working capital needs



Asset based lending in Canada. We're pretty sure this type of financing from lenders could not even have saved Detroit ( Detroit apparently had no sales or cash flow!) , but we're 100% sure this method of financing a business line of credit can either grow, or dare we say save your company when it comes to working capital and cash flows. Let's dig in and explain.

And by the way, we never have and NEVER will condone Fake I.D. ;

but frankly we came up with that as a good analogy for ABL because that fake I.D. card grants you accesses to places you could never get into before . Asset based credit does the same thing. You're suddenly in the big leagues when it comes to line of credit access your form could not get before.

When a company in Canada has the asset base but lacks the sizeable net worth (equity) to finance the business externally the ABL business line of credit is a very solid solution. (ABL = Asset Based Lending)

While the textbook case of an asset based credit deal for us is probably the traditional manufacturing firm it is very safe to say that it applies to any business in Canada that has any assets that come from the three categories of receivables, inventory, and fixed assets.

For instance, although we traditionally think of a commercial business selling on trade credit to other businesses a great example of an asset based credit deal is a major retailer who sells on cash, but has... you guessed it... a ton of inventory in their stores and warehouses. At the other extreme might be a high technology firm that develops software. They have no inventory, but sell their software commercially to commercial and government accounts. Their sales generate receivables and those receivables can be financed by a non bank ABL.

We don't want to digress too far from our key subject area today, but Canadian business owners and managers should know that ABL lending also has the ability to help you acquire a competitor, merge with a firm, and even work your way out of dire straits. Larger companies who find themselves in CCAA proceeding can use the facility to refinance and re-emerge.

We don't think we have met a client over the last ten years who hasn’t eventually looked us in the eyes at that first meeting and asks the question only a customer can ask - ' WHAT'S MY RATE '.

We're reluctant to sound like our lawyer today,

but frankly ' it depends ‘. Don't worry we're not billing you for this info. But our point is simply that asset based lending can be lower than, equal to or higher than a Canadian chartered bank similar facility. The key issues surrounding rate are the general financial health of your firm, the existence or non existence of profits, the size of your assets, and the type of ABL lender you are working with.

While the smaller ABL type loan is typically 250k and above the larger transaction in Canada can easily be in the tens of millions of dollars. There is no upper limit to a true ABL deal, and this type of ' loan ' (it’s not a loan per se - its asset monetization) is much more easy to achieve than traditional bank financing in Canada. While chartered bank credit lines in Canada are pretty well the best deal when it comes to overall analysis of cost and flexibility these type of borrowings come with some stringent requirements around cash flow, debt service rations, external collateral, personal guarantees... and on it goes.

While we don’t think ABL could have saved the bankruptcy filing of the CITY OF DETROIT in the U.S. (100,000 creditors, 20 billion in term debt, 78,000 abandoned homes, and total vacancy/dereliction of 30%) we do in fact see everyday where it helps Canadian firms such as yours refinance, grow, merge, and expand into new markets and products.

Seek out and speak to a trusted, credible and experienced Canadian business financing advisor today for getting on track with asset based lending facilities.



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 = ASSET BASED LENDING 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

Working Capital . Must Knows For Survival Of Special Cash Flow Challenges

Experiencing A Shortage Of Cash Flow? Here’s Why And Here’s The Fix


OVERVIEW – Information on working capital issues, challenges and fixes in Canada






Working Capital . There's very few businesses in Canada that can make the statement they have never experienced a cash flow shortage. We've toiled ourselves in some of larger multinationals in the world ourselves and we can assure you it happens to everyone. In some ways we are saying that we can condone any obsession you are having on cash flow - just keep it a healthy obsession please! Let's dig in.

After many business owners meet with their own financial managers and accountants we can forgive them for getting a bit confused on technical definitions of working capital (it’s those ratio guys again!) we tend to view it from a different perspective, the so called real world.

So it's simply a matter of sitting down with clients and pinpointing solutions that will finance the ebb and flow of the inventory cycle ( raw materials become finished goods ) ,the collection cycle, , and understanding that you should only pay suppliers when they are due . In fact it’s even more recommended that you negotiate special terms if you can, as those special terms equal... CASH FLOW. (Less cash going out)

Again, to re-enforce our point any supplier payment relationship can be potentially negotiated. Also, you're in a position to ask for discounts on prompt payment by the way. We read some great terms for types of client that affect your whole ' payables/cash flow ' strategies - They included the ' dictator client, the narrow focus client, and the ' incorrect scorecard' client. Over the years we've met our share of the ' Dictator Client'!

The actual days that your money sits in inventory, A/R, and then gets spent in A/P becomes what are known as your conversion time.

At the end of the day proper a/p management of terms:

INCREASES PROFITS
GROWS PAYABLES AND CASH

Remember also that they are various forms of what we can call ' Specialized Lending' when it comes to working capital. These include:

FACTORING/CONFIDENTIAL RECEIVABLE FINANCING
INVENTORY FINANCE
PO/SUPPLY CHAIN FINANCE
ASSET BASED CREDIT LINES THAT HIGHLY MONETIZE A/R AND INVENTORY
And lets not forget COMMERCIAL BANKING FACILITIES if your firm qualifies.


These specialty lenders are focused on quick approvals, asset monetization, and can often bring significant expertise to your business via their own industry knowledge. That deeper understanding means only one thing, more business credit for your firm.

The small business and SME sector are crying for more financing these days. Time is better and they want to grow. Hopefully we have shown that the fix is in. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your 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 :


http://www.7parkavenuefinancial.com/working-capital.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

Financing A Business Purchase In Canada . Here’s Your Field Guide To Acquisition Loans

Looking For The Best Way To Finance The Purchase Of A Business


OVERVIEW – Information on finance a business purchase in Canada . What type of loans and asset monetization will make your deal work?



Financing a business purchase in Canada . Numerous situations occur that make buying a company a very attractive situation. You've become opportunistic in a positive manner. One question that comes up pretty quickly for the business owner/management is pretty straightforward: HOW ARE WE GOING TO FINANCE THE PURCHASE? The good news - both traditional and alternative strategies exist to successfully complete the deal. It’s our kind of ‘ FIELD GUIDE ‘!

Let's dig in.










No one denies that financing an existing or business purchase is not a cake walk , which by the was in fact an old English Dance . Not to belabor the point but we recently pointed out that in recent Canadian owner surveys over 60% of all owners/mgmt felt that any type of capital access was more than a job!

The size of your acquisition will in many ways determine what type of financing that you need and what's available. For business purchases on the smaller size, i.e. less than 350k the Government SBL loan from a qualified provider is a solid route to take. It finances hard assets and leaseholds, comes with excellent terms, and allows you to step into other financing that you need re working capital, etc.

In any transaction, of any size, it is important to the purchaser that he or she understands that a certain equity component be available to compliment the deal. That's a polite way of saying you can't finance a business purchase with 100% of other peoples money - aka OPM!

The amount of capital that you put in, in effect your ' risk money ' can often sway the deal, certainly in terms of finance. While that's more of an emotional comment hard reality kicks in when you understand that your equity/down payment component affects the leverage and debt to equity analysis that lenders focus on.

A great way to compliment any financing structure in the business purchase is the VTB, the infamous Vendor Take Back. It's a great deal for you the purchaser; the challenge is that the seller’s typical desire is to exit whole, and to complicate things, they prefer for tax and other reasons a share sale. Share sales are difficult to finance. Asset deals are preferable.

We see many firms in the SME sector that contemplate acquisitions focus on VC funding

or alternatively Private Equity. Unfortunately the majority of these efforts are wasted as these two methods of more sophisticated financing focus on larger deals with extremely sophisticated people that are look for a major, and we repeat major home run. Inevitably the majority of deals funded by Cdn VC's and PEG'S (private equity groups) are mostly in the tech sector.

Banks in Canada, the consummate ' Traditional Lenders ' will in fact finance a business purchase. But ensure you have a business plan, proven historical cash flows, reasonable owner equity, and leverage that is in tune with the banks appetite. Experts in the field say that only about 20% of all business acquisitions are financed successfully by Canadian banks directly.

Another tremendously successful way to finance a company acquisition is to consider Asset based lending. Here the total assets of the new entity can be monetized in a combination of term and revolving debt that maximizes cash flow and de-emphasizes the issue of leverage.

If you're looking for a mix of technical smarts, creativity, and access to numerous financing vehicles to complement a business purchase seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with this very specific type of financing challenge.



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 = BUSINESS ACQUISITION FINANCING 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

Funding Business Turnaround. Growth Financing Secrets And Tips For Canadian Business

( The Other Reason ) Why Companies Fail ( And How To Prevent It! )


OVERVIEW – Information on funding the business turnaround . Growth financing strategies .. that work





Funding business turnaround. Whether it's growth financing or rescuing a company from that terrible spot known as ' dire straits’ no business owner/manager wants to ' crash '. So imagine our surprise when we read and talked to the mgmt of a firm that put out a great article entitled ' WHY COMPANIES CRASH !



'

But wait a minute, when we read the article and discussed it with the writer we found it focused on some great, but not financial issues. Those issues included salary and compensation models that didn’t work, strange organization structures, and poor or non existent business goals. Great stuff, and we'll leave those areas to consultants and others, but that is not our focus, which is failure due to no financing, poor financing, or wrong financing. Let's dig in!

As we can imagine financing at a time when its least accessible to your firm is.... difficult! While we might assume ( or hope ) that Canadian chartered banks are the best or most likely to save a firm the hard core reality is that bank loan rates and margins and a non tolerance for excessive risk quickly rise to disappoint when growth and turnaround finance is needed the most.
In fact when Canadian chartered banks feel that your firm reaches ' CODE 10' on their risk meters

they actually move your account to a special loans category and increase your borrowing costs while limiting access to credit. Not what you had hoped!

Firms that have assets and growth and survival possibilities of course want to avoid bankruptcy and face the burden of losses owners, lenders and investors in your firm.

Assets are what often saves a firm and that is a great place to start. While assets can of course be sold off and liquidated. At that time surely the business owner couldn't have any more bad luck... but wait, and then Revenue Canada shows up also. It couldn’t be worse.

But that’s when creative financing strategies employing the concept of asset based lending can save the day. By carefully assessing and appraising the ongoing value of assets such as receivables, inventory, unencumbered fixed assets ,, real estate ( if applicable ) , and tax credits and patents.

Careful crafting of such a facility allows a firm to pay off existing banks or lenders, come to suitable terms with those friendly CRA folks, and have ongoing capital for maintaining supplier and customer expectations.

When properly negotiated and documented proper borrowing structures can be put in place without onerous ratios and covenants that often control your ability to address growth and turnaround financing.

Numerous single and combination of finance strategies exist for funding business turnaround and growth. They include:

SUPPLY CHAIN / PO FINANCING

AR FACTORING

INVENTORY FINANCE

BRIDGE LOANS

SALE LEASEBACKS

TAX CREDIT FUNDING / SRED ACCRUAL FINANCING

NON BANK COMMERCIAL LINES OF CREDIT (ABL)


When you're faced with the prospect failing due to financing seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your critical 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 = GROWTH AND TURNAROUND FINANCING EXPERTISE AND FUNDING

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

Business Finance And Loan Financing In Canada. Can Amazingness Be Guaranteed

Do You Know The Driving Forces Of Canadian Business Financing - Not Everyone Does


OVERVIEW – Information on business finance and loan financing in Canada. What Challenge and Solutions are available ?



Business finance in Canada. When it comes to loan financing in Canada we're the first to admit we hate it when people flog a dead horse, as the expression goes. (Is that even politically correct to say?)

So we promise that this will be the last installment on the revelations we got when we participated in a CEO survey for BDC. The subject - Access to financing and nothing interests us more than that!

While a survey posts questions and responses we thought it even more prudent to add some real world commentary and throw in some solutions.

It was no surprise to us of course that 62% of Canadian business owners and financial managers found financing their business both difficult and ‘somewhat difficult '. Bottom line, half of your competitors are in the same boat as you, so don't feel overly bad.

The survey also revealed that many businesses are out there seeking equity financing of some form. While only a very minute amount of Canadian firms are successful in seeking VC or Private equity financing many business owners/managers still feel there firms are candidates for some sort of equity finance . Sadly few get to the goal line. Naturally if you've got the greatest story every told, sales, profits, and high growth potentials those friendly VC guys will be all over you. Good luck with that.

So if equity or quasi equity financing isn’t in fact available for your firm you've basically got two other solutions - take on term debt or our favourite, monetize and finance existing assets.

As a business owner are you sure that you have explored every aspect of asset and cash flow financing. These include:

Receivable Financing

Equipment Finance / Sale leasebacks

Secured/Unsecured cash flow loans

Monetizing your Financing SR&ED Tax Credits

Government SBL loans

Asset based lines of credit

Oh and lest we forget, the best but hardest to get - Commercial bank financing from our Chartered banks and government crown corporations


More often than not you're eligible for any or most of the above simply because your business is growing. As our survey noted if you're downsizing your company, outsourcing, or finding your business in a death spiral financing is going to always be more of a challenge. Not impossible, but a challenge.

43% of all Canadian business respondents in the survey indicated they were either unsuccessful or only partially successful in getting the financing they received. A good example of a solid solution as per above? Many companies don’t meet qualifications for bank financing these days, simply because their ratios and covenants are out of order. However, they are absolutely eligible for an asset based line of credit from a non bank commercial lender. The upside? This solution actually gives you more financing than you would obtain from a chartered bank facility. Trust us!

The main categories for business finance needs in the survey are those that clients talk to us about everyday. They include:

Equipment and Technology Assets

Inventory finance

Lines of credit

Leasehold improvements


Your peers and competitors in the survey indicated they didn’t receive access to financing because of the size of their firm, their inability to meet ' ratios’, or inability to provide solid personal guarantees and additional collateral.

While our great banks in Canada provide over 64% of all financing to business make sure you explore the firms and type of financing that provides the other 36%.

43% of all companies in Canada maintain they utilize a trusted, credible and experienced Canadian business advisor or firm to help them with their 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 finance and loan financing 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

Financing A Business In Canada.Funding Questions And Oh Yes Answers

In Case You Didn’t Know Your 2 Cents plus our 2 Cents = Business Financing Solutions

OVERVIEW – Information on financing a business in Canada. Funding solutions for the Canadian owner/entrepreneur



Financing a business in Canada . We recently spoke about a BDC Canada CEO survey that we participated in around how Canadian business owners and financial managers felt these days about their ability to access capital.

That got us to thinking, since the survey posed a lot of questions and not that many answers. So it would seem that your 2 cents in questions plus our 2 cents in answers equals a solid 4 cents of Canadian financing solutions. (That would be about 3.5 cents U.S. with the way foreign exchange is working these days!) So let's dig in.

So let's look at some of those answers and questions posed hopefully add a strong sense of hope and solutions around key issues.

Canadian business owners/managers felt the 2 key issues around new financing typically tend to be the $ amount they are able to obtain and the rates and costs that are attached to that financing. We would point out that in the current environment business finance is accessed through traditional and also alternative capital. Each of those has a different cost. So while alternative financing going to be more expensive 99% of the time its also safe to say that it can deliver on more financing when amounts sought are not available from our banks, insurance companies, business credit unions, etc.

A good example? It the business revolving line of credit. Chartered banks offer business credit facilities at rates pretty well in the prime rate area these days. So your cost of capital is low - but approval or approved amounts are more difficult to access. So we encourage clients to weigh access to financing, not just the cost solution. Higher financing costs can be offset by increased growth and profits, as well as operating efficiencies.

Collateral was also a key issue

for Canadian business owners. As it is safe to say that all business financing worth its weight is 'SECURED' by a bank or commercial finance company your ability to negotiate the right collateral will play a key role in overall finance success. In some cases you may wish to use the services of a Canadian business financing advisor who is familiar with the lay of the land and has a reputation among lenders commensurate with your needs.

We were somewhat floored by the following comment in the BDC- ' Generally speaking participants in the survey were open to most of the elements that characterize equity financing except when it comes to dilution' . Is it just us but doesn't any sort of new equity dilute ownership?!! We're strong proponents of debt and asset monetization financing that generates capital and cash flow.

Are you using any of the following Canadian business finance solutions to generate funding and working capital without equity dilution?

A/R FINANCING

Equipment financing / Sale leasebacks

Bank commercial credit facilities

Non bank asset based revolving lines of credit

SRED Tax credit monetization

Bridge loans

Inventory financing outside of business credit lines

Securitization


While no firm would ever use all of the above solutions it's safe to say that any number of these could deliver capital and growth opportunities to your firm.

So when you combine 2 cents of Canadian business concerns with our 2 cents of solutions all of a sudden 4 cents (3.5 U.S.) doesn't seem that bad! Seek out and speak to a trusted, credible and experienced Canadian business financing advisorwho can assist you with your funding 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 FUNDING SOLUTIONS


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

Business Financing Challenges In Canada . You Just Might Not Be Alone When It Comes To Loan And Capital Access

Heard The Song ‘ You’ve Got What It Takes’? What About Your Business Financial Intelligence

OVERVIEW – Information on business financing in Canada . Do you as business owner/manager have what it takes when it comes to financial intelligence and accessing loans and biz capital


Business financing in Canada. When it comes to loans and access to ' Biz' capital do you as a Canadian business owner or financial manager have what it takes? And, a better question, feeling somewhat alone? Turns out you're not that alone! Let's dig in.

We were listening to the radio the other day and heard the old song by the DAVE CLARK FIVE called YOU’VE GOT WHAT IT TAKES It starts out at 100 miles per hour and doesnt give up. That got us to thinking about whether our clients feel they ' have what it takes' when it comes to business finance.

Safe to say that financial skills are just one of the prerequisites of the business owner/manager in the SME sector in Canada. Those larger public and private corporations have accountants, Canadian business financing advisors, consultants, etc coming out their ears. They need less help we would say than your firm.

And are you alone in wondering whether it’s just your firm that is experiencing financial challenges? Recently we participated in a CEO SUMMIT via BDC Canadian business owners in the SME sector indicated that 62% of them found access to financing a combination of either being very difficult or somewhat difficult. 1% of all businesses surveyed indicated that capital was easy to access! We haven’t met that man or lady yet, yet but we're hoping he will call and share his or her secrets

Other revealing tidbits

in the survey ? the amount of capital and rates charged were top of mind for the business owner/financial manager. They also indicated they were very open to having an independent financial partner provide recommendations and advice based on their own experience or offerings.

What turned business off was when they were forced to address issues of loss of equity control and dilution. We've preached that all along - simply getting the right amount and type of debt, whether it is loans or asset monetization for cash flow and working capital.

Are you the bottom half or top half? By that we mean that the survey indicated that almost 50% of Canadian business respondents considered themselves in growth mode. We love growth financing, and constantly recommend to clients solutions such as follows:

A/R Financing

Canadian Chartered bank Commercial credit facilities

Non bank asset based lines of credit

Tax credit monetization (SRED and FILM)

Sale leaseback strategies

Bridge Loans

Restructuring scenarios - informal, or shall we say ... otherwise!

Securitization


Financial intelligence in your business can be easy or complex. Fundamentally you want to be able to use information in your firm to make
Good financing decisions around resources, assets, growth, etc. You've probably already got a toolbox of information available, just use it.

And if you don’t feel you're cleared for take off

seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a solid track record in assisting firms such as yours with growth and operational financing.





Stan Prokop - founder of 7 Park Avenue Financial

http://www.7parkavenuefinancial.com

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


7 PARK AVENUE FINANCIAL = CANADIAN BUSINESS FINANCING OPTIONS


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