Business Software Leasing . Here’s The Rules Around Technology Financing Options. Now You Know

Know What You’re Doing When It Comes To Financing Computers , Software And Other Technology?

OVERVIEW – Information on technology financing in Canada . Business software leasing is a viable way of acquiring your tech needs in a way that matches benefits to cash outflows





Business software leasing and technology financing in general often seem like ' uncharted territory' when it comes to Canadian business financing. The truth is there are some striking differences in tech finance, and, as our lawyer would say ' on the other hand'

there are quite a number of similarities. Let's dig in.











Don't think that because software is an ' intangible asset ' that it can't be financed. One study by top experts revealed that over 1/3 of business owners have never considered this method of financing technology. The reality is that Canadian business owners, from small business to our largest corporations have been financing software and tech assets for 20-30 years. While the lease and financing documents are essentially the same it's important to understand certain elements that are specifically related to the tech world.

Part of the confusion around software financing revolves around the simple fact that you're licensing, or using software, your firm doesnt own it per se. Given that most computer hardware is really a commodity these days the actual value of application software is much more significant.

From the lessors point of view they disclaim the warranty in the software and hardware they finance, that’s between you and your vendor.

And the bare facts are simply that as long as you are making payments under your lease you have the right to use the software in a nonexclusive manner. Most software lease financing in Canada is done under a capital, or ' lease to own' document.

We can get really technical and also offer up the fact that when you are financing / leasing software you don't own the IP (Intellectual property) around the software in question - you can use it, but you can't resell it! Today Canadian lessors also register their interest in the same manner that they register any lease document.

We've already said that a strong case can be made for software being more valuable than hardware, as it most cases its running your business and providing you with a competitive edge. These days it runs a company financials, manages customers, controls inventories, etc. That's why it makes sense to consider leasing/financing this valuable asset to your business.

For credit worthy companies all software can be financed, so that is all the way from MS Word to aircraft scheduling systems. It's a fundamental concept of lease financing that you should match the cash outflow of a purchase with the benefits. Since the useful life of the software will often be several years it makes sense to consider a 2-5 year lease term for tech financing scenarios.

Custom software in general cannot be leased or financed, except when there is investment grade credit quality backing up the transaction. But in Canada the lease finance industry has embraced software financing , so whether your finance need is 5k or 5 Million $ consider such a strategy. And if by chance you're a software company you should definitely consider offering customized financing to your client base.

It's no secret that more and more everyday we're living in a knowledge economy, so don’t forget the financing opportunities your firm has in financing hardware, software and other services to achieve your competitive position in your industry.

Seek out and speak to a trusted, credible and experienced Canadian business financing with a track record of success in tech financing. The bottom line, these days its' mission critical’!



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 = Candian Business Software Financing and Technology Finance Expertise





Have A Question Or Comment On Our Blog Or Canadian Business Financing Alternatives ?



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 Options Harder To Find Than Atlantis? Alternative Financing Solutions Are The Answer

Solving The Fundamental Problem Of Business Financing Options . Hint .. It’s Alternative Finance Solutions


OVERVIEW – Information on business finance options in Canada. How alternative financing solutions via asset monetization and debt allow the business owner to avoid equity dilution




Business finance options seem harder to find these days than the lost continent of Atlantis.

So when clients say that traditional solutions are no long working or accessible by them our answer is simple - consider alternative financing scenarios. Let's dig in.

Part of the problem faced by many business owners is simply time... they know they need new or better... or even ' some' business financing... they just don't know where to look for it .

In a lot of cases the entrepreneur spends a lot of time searching for equity capital and are disheartened to find out that they were so not ready for that option. By the way, equity capital dilutes ownership of course, so giving away a large piece of the pie early in your business success reduces the chances of long term return on your investment.

Many top experts feel that the equity route though is in fact better than debt or asset monetization. We respectfully disagree, as no matter how costly these solutions are... properly structured they can still allow you to achieve sales growth and profits without giving up ownership. That's our story and we're sticking to it!

No discussion on Canadian business financing can take place without talking about ' WHEN THE BANK SAYS NO ‘. We don’t think it's that complex really.

As one expert puts it the business owner or financial manager fails to understand that the bank has a deal with its depositors... the money is safe and unavailable to risk start ups, early stage companies, or firms experiencing financial difficulties .

We're the first to point out that if your firm has profits, cash flow, and collateral, clean financials, etc you're 100% eligible for bank term loans and commercial revolving credit facilities.

So what are some of those alternative financing solutions that can still generate capital and cash flow for your business? They include:

SR&ED TAX CREDIT FINANCING - This financing funds your research and development
GOVERNMENT SBL LOANS
ASSET BASED NON BANK LINES OF CREDIT - (They finance inventory, receivables and equipt all in one borrowing facility
CONFIDENTIAL RECEIVABLE FINANCING
SALE LEASE BACK

What then is required to access these alternative financing solutions? In almost all cases just you’re current financials and a sales or cash flow forecast is a great start. You will not, we repeat NOT be successful if you, or your advisor can't articulate sales growth, receivable collections, gross margins, etc. That's just common sense by the way.

Asset monetization strategies will focus on your balance sheet. Hard assets can be refinanced through bridge loans or sale leaseback strategies.

Receivables of any type can easily be financed in Canada. This even includes contract monetization scenarios. And by the way, service companies can easily cash flow their A/R... your firm doesn't necessarily have to sell a hard asset product.

Yes, its true that we’ve spend hundreds of years searching for the continent of ATLANTIS. Our point - Alternative financing solutions can be found today, they are here, or just around the corner via the assistance of a trusted, credible and experienced Canadian business financing advisor.



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 Finance Options Expertise

Stan Prokop

Benefits Of A Sale Leaseback Strategy In Canada. How A Bridge Loan Or Asset Finance Lease Back Works

Deconstructing The Sale Leaseback Solution In Canada


OVERVIEW – Information on the sale leaseback strategy . How does an asset lease back work and why does this type of lease or bridge loan benefit the business owner




A Sale leaseback strategy, if executed properly, is a classic refinancing scenario. How does the lease back work, and whether it’s a bridge loan or finance lease what are the key benefits and mechanics of this financing solution. Let's dig in.

Sale leasebacks are typically utilized when a firm such as yours is looking to generate cash flow and working capital from unencumbered assets. These assets on the balance sheet can be almost any type of tangible asset - that might include trucks / vehicles, real estate, technology, shop floor equipment etc. They still have operating value to the firm.

The legalities of the transaction are simply. As the owner of the asset your firm simply sells it back to a leasing company. That creates a lease financing (or in some cases a bridge loan) which not makes your company the lessee or borrower in the transaction.

Naturally the key benefit of the deal is your ability to generate cash from the deal, while at the same time using the asset to hopefully generate profits and operational efficiencies within your firm.

A key factor in the whole transaction is of course the value of the asset. As we've experienced over the year’s business owners tend to place a higher value on the asset or assets in question as opposed to the lender! So how then is this problem or challenge addressed?

Typically the answer is a third party appraisal. It's very rare that larger sale leasebacks are consummated without and appraisal. In years gone by lenders were skeptical of this method of refinancing simply because they viewed it as a ' cash grab ' by the customer. These days, when properly structured and valued it’s a solid mechanism of refinancing that more often than not makes a lot of sense.

A common mistake many business owners and financial managers make is to solicit an appraisal on their own. That problem complicates two main things -

Lenders like their own appraisers, not yours!

Dollars can be spent on the wrong type of appraisal (there are three types)

Obviously the best solution is when you and your lessor or lender agrees on who will be performing the appraisal, and what type is mandated. The three types of appraisals include

FAIR MARKET VALUE
ORDERLY LIQUIDIATION
FORCED VALUE LIQUIDATION

Lenders and lessors will more often than not ' go conservative ' on the asset and focus on the dollar value of the orderly and FLV asset liquidation prices. Because most (not all) lessors and lenders don't have significant asset expertise in diverse industries they want to know they can disposed of an asset quickly in a worst case scenario. That worst case is of course a business failure.

It's important to note that a lease back or bridge loan has some tax and accounting implications, so they should be reviewed with your accountant. In some cases book values of assets will come into accounting play.

There are two types of leases in Canada - capital and operating. Operating leases are less in vogue these days due to international accounting standards being re written .So most often the sale leaseback / bridge loan is constructed as a full payout capital lease with fixed interest rates and monthly payments . The bottom line is still the same - new cash on your balance sheet.

In a small number of cases equipment already under lease can be refinanced also, although this is not really a classic leaseback... it’s just a refinancing of an unencumbered asset. In some cases an alternative to the lease back is to simply pledge the asset or asset in question under another type of financing arrangement.

Our bottom line? Let this method of refinancing existing assets make sense for your firm when the planets align relative to asset value, cash needs, and accounting sense. Seek out and speak to a trusted credible and experienced Canadian business financing advisor who can assist you with your refinancing 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 = Sale Leaseback And Bridge Loan Financing Expertise



Have A Question Or Comment On Our Blog Or Canadian Business Financing Alternatives ?


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

Buying A Business In Canada And How To Eliminate 4 Risk Elements

Assessing Patient Health ( When You’ re Buying A Business In Canada )

OVERVIEW – Information on buying a business in Canada . How to analyze the risk that comes with any company purchase




Buying a business in Canada involves (some) risk, so is there a HOW TO when it comes to eliminating some of that risk? We think there is... so let's dig in.

Have we got a story for you? Yesterday, scouts honor, we got a call from a client of ours 15 years ago. He wanted some advice on how to buy a business and whats involved... including the proverbial question “how much money do I have to come up with in addition to the financing?

While we are still getting over a client remembering our services for 15 years it got us to thinking on ways to provide him with solid clarity around the risk inherent in any business purchase. We think there are probably 4 key areas you have to focus on when looking for financing on your business buy.

In effect we’re talking abut the health of the patient. So when you understand how healthy or unhealthy that patient is you can address the issues of profitability and financing that are key to overall success in any venture. Interpreting that overall ' business health' is critical.

To asses risk you really have to put yourself in the exact same position as those smart Bay Street guys. They also look at 4 key areas:

Debt - Present and future

Liquidity and Cash Flow

Profit

Asset turnover


While the Bay street gang

focuses on words such as ' financial ratios' we've always preferred to call them ' relationships'. And once you understand those relationships you're in a position to make an informed business decision. In many cases you can draw on your own past business experience to wade through and understand some of these finance and number relationships.

It's also important to look at our 4 criteria over time, not just as the moment, as a business changes its balance sheet and income statement literally every minute as you sell and collect , utilize assets, etc.

Debt load is key to any business purchase and financing. Existing debt must be repaid or refinanced, and typically any business you buy should have no more than 2 or 3 times debt versus your owner equity. That number varies by type of industry and the ability of any company to generate cash flow. Ultimately you wish to ensure that the cash you can generate can repay fixed or operating debt.

We haven’t met anyone yet that disagrees with ' CASH IS KING '

so focus a lot of time on short term current assets - and understand how inventories and receivables turnover and how they can be monetized for more liquidity .

Every entrepreneur intuitively focuses on sales growth - a company is cheap when it’s for sale if it’s in a death spiral. So understanding sales growth potential, client payment terms, gross margins and net income potential is key.

We're big on item # 4 in our patient health scenario - Asset turnover. Just your ability to turn existing assets more efficiently - i.e. collect A/R faster, generate more inventory turns, dispose of unused assets, etc can help fix your ship without any external help and financing that is unneeded.

Once you’ve assessed the health of any company you wish to purchase it can be financed in several manners. They might include:

Government Business Loans (THE SBL)
Commercial bank facilities - term and operating
Non bank asset based lines of credit
Bridge loans
Vendor take back options

Looking for a ' how to ' when it comes to buying a business and financing it in Canada. Seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of success who can assist you with your business purchase needs, and a lot of solid advice along the way!



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 Purchase Financing Expertise


Have A Question Or Comment On Our Blog Or Canadian Business Financing Alternatives ?


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

Commercial Lending In Canada . How To Address Secured Loan Covenants

The Yay And The Nay Of Securing Or Breaking Loan Covenants In Canada

OVERVIEW – Information on secured loan and commercial lending covenants in Canada . They both protect and destroy your business if not properly understood





Commercial lending in Canada, when it comes to a secured loan typically always involves ' COVENANTS '. What are they and how do you address the pitfalls and dangers of this method that lenders use to protect themselves (and you by the way) from business default and failure. Let's dig in.

When it comes to the agreements you make with any secured lender in Canada it basically comes down to the ' yay' and ' nay'. What we are talking about is known as ' affirmative' and ' negative’ scenarios. Affirmative actions are those you can take or do, sometimes with permission required. Negative ones are those which you are unable to take in the normal course of running your business.

What are the typical scenarios that the Canadian business owner or manager takes that might affect your loan agreement? They might include:

Raising more equity capital

Selling certain assets of the business

Taking on debt (that’s a big one with lenders!)

Draining cash flow in some manner


Remember always that the proactive thing to do is to discuss actions you wish to take that affect the lending agreement. When they are common sense business actions they will almost always be allowed by an (reasonable) lender. A good example might be taking on more debt by acquiring new production equip or technology that makes your business more profitable.

The thing about loan covenants that is often missed by the borrower are that while the loan covenants generate a lot of discussion and negotiation ( yes they can be negotiated!) at the start of loans they must in fact be maintained during the duration of the secured loan / commercial lending arrangement.

So what happens when you are those covenants is breached? The harsh reality is that you are in default of your commercial loan and typically all monies are due.

We point out to clients that many types of loans in Canada have no or very few loan covenants. Examples typically include asset based lines of credit, receivable financing, equipment finance, tax credit monetization. If there are any covenants in those type of arrangements it's typically because your overall balance sheet and income statement dictate that.

Remember also that all arrangements defined in your loan agreements are not necessarily negative. For example if you can negotiate pre payment arrangements in your favor that’s a good thing. Also, certain actions you take might make sense for you and the lender to pay down loans - for example new equity or sale leaseback scenarios with another lender.

The huge issue around commercial lending agreements with lenders in Canada is ' RATIOS '. Lenders have a lot of guys in the back room

constantly running liquidity, leverage and Operating ratios on your business. You can proactively manage these ratios in a positive manner by understanding what they are and calculating them yourself - Trust us it's not that hard .

When it comes to commercial lending and secured loans that make sense to you (and the bank or commercial lender) seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your secured loan 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 Commercial Lending And Secured Loan Expertise





Have A Question Or Comment On Our Blog Or Canadian Business Financing Alternatives ?


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

Film Tax Credit Sources Let You Beat The Challenge Of Film TV And Digital Production Success. Financing Credits Works

Lights ! Camera ! Financing!



OVERVIEW – Information on film tax credit sources in Canada. Financing federal and provincial tax credits is a key part of successful Transmedia finance




Film Tax credit sources allow Canadian producers of film, TV and digital media content to fast track their productions. Having said that it's never easy in that world to beat the clock when it comes to completing the financing of projects in those 3 genres. But, as we maintain, financing those tax credits is a key part of any successful project these days. Let's dig in.

Whether the individual tax payer likes it or not Canadian provincial government, as well as the ' feds ‘are quite committed to subsidizing Canadian media via tax credits. Participants in the industry love it when the different provinces that compete for your production square off and try to ' one up ' each other when it comes to the generosity of these funds.

Just the credits for your labor costs alone are generous on their own, often totaling 35-40 per cent depending on what province you are shooting or producing in. Quebec’s is actually at 45% when it comes to labor.

While many pundits feel this all is just one example of a type of ' corporate welfare ' we can only suggest to clients that they make the most of current legislation and funding. We do recognize that there are a lot of taxes and jobs and economic activity around this quite thriving industry.

The concept of film (and TV and digital media) tax credits is quite simple. You receive cheques for a percent of your expenditures on your project. It's as simple as that. Canadian tax credits as a percentage of your expenditures are among the most generous in the world, and coupled with the stability of Canada’s financial system as well as our diverse geographies and talent pool simply make a case that Canada has... you guessed it.. earned the name Hollywood North.


Film tax credit sources address just one part of the overall ' capital cycle ' of any production. The other components of course include the owner equity component, debt, pre-sales, Print and Advertising, etc. Times always change in the world of financing and in film, TV and media finance these days ' crowd funding' is the hot new kid on the block, an alternative to the previously mentioned equity component.

The other new trend is ' slate ' financing, allowing producers to generate financing for multiple projects.

In Canada there are a small handful of bank financing sources for film tax credits. Another alternative is commercial finance entities that are generally faster when it comes to addressing your financing need. They have ' niche' experience in your industry.

Tax credits are generally financed at 70% loan to value, are typically structured as ' bridge loans' with no payments made until your tax credit is monetized by the government. Key to successful tax credit financing is your ability to have a credible team around your production, including strong tax credit accounting expertise to ensure you qualify for maximum financing.

Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you in financing the value in your tax credit.



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 = Film Tax Credit Financing Source Expertise

Have A Question Or Comment On Our Blog Or Canadian Business Financing Alternatives ?

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

Creative Small Business Financing Sources . Don’t Fall Short On Capital Solutions

Inside Business Finance Alternatives


OVERVIEW – Information on creative small business financing sources in Canada and how these solutions can help grow companies in the SME sector




Creative small business financing sources are often the ' secret sauce' when it comes to the Canadian business owner and manager beating the competition when it comes down to the ability to grow a business and prosper... with profits.

It's no secret to our clients when top experts still maintain we are still somewhat ' reeling ' from the 2008 global meltdown. That's when even the big guys, banks included, couldn’t write some of the cheques they wanted, much less the little guy in the SME (Small Commercial Enterprise) sectors of Canadian business.

Being ' cut off' from accessing capital has a major effect on any business, with the worst case of course being having to shut the doors.

Is there any good news in all of this? If there is one bright spot it’s the ability of Canadian business owners in SME (sales under 25 Million dollars? is a good definition) to adapt to and respond to creative financing mechanisms. Some of these are versions of traditional financing, others are simply brand new.

The challenge about using a new financing option is to ensure it’s not overly complex, and that it will provide that right financing that matches your needs. It should be not secret to the Canadian business person that creative and alternative financing structures often come at a higher cost - that cost should be warranted when it comes to matching benefits.

One example is the tremendous growth of RECEIVABLE FINANCING in Canada in the last number of years. While it has a higher carrying cost than commercial bank lines of credit it allows any small companies to take on larger sales opportunities, mend relationships with suppliers, and forget the daily strain of managing cash flow.


They key to using that type of financing is to understand that it alleviates the pressure of having to get a commercial bank line of credit, and that your business must be stable or growing - as any type of creative financing solutions is less likely to succeed if you don’t have growing or stable sales revenues .

Bottom line ' death spirals' not welcome!










Receivable finance is a creative asset monetization strategy. When you are not monetizing assets you must consider debt options. Using asset financing strategies via equipment financing/leasing allows almost any firm to acquire assets they need to move their business forward.

While general cash flow, asset quality are important, almost any asset can be financed via the lease company's ability to structure a deal that meets your asset acquisition needs. Lease finance is a great way to allow you to meet changing technology needs also, as a properly structured lease allows you to match cash flows with future benefits.


Many business owners in the SME sector spend a lot of time chasing equity via friends and family , angel investment, and the infamous ' VC ' we are pretty sure that only about 1% of them , if at all acquire the capital they need at a cost that often means giving up large ownership percentage . Giving up ownership equity in your early years is one of the most costly mistakes that any business owner can make.

By the way, the cost of many of the creative financing solutions we talk about with clients is often (not always) between 1-3% per month. Expensive? Not really if you consider the high cost of giving up equity ownership in the early years when your company valuation is small. You can check any finance text book on that one... or better still speak to a business owner who cashed out (for cash) way too early.

Other methods of creative small business financing sources include:

A/R Finance (already mentioned)
Equipment Leasing (already mentioned)
SR&ED tax credit financing
Non bank asset based lines of credit
PO/SUPPLY Chain financing
Inventory finance
Unsecured cash flow loans

When you want the inside scoop on what method of business financing creativity works for your company seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of success , allowing you to take your business to the next level of growth and profit .



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 = Creative Financing Expertise


Have A Question Or Comment On Our Blog Or Canadian Business Financing Alternatives ?

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