SRED ( SR&ED ) Loans : Don’t Be Out Of The Loop On SR ED Refundable Tax Credit Financing

A Beautiful Marriage

Of Cash Flow & Tax Credits : The SR&ED Loan Works

OVERVIEW – Information on SRED loans in Canada . SR ED refundable tax credit financing cash flows r&d expenses , accelerating working capital your firm has spent on research and development for future growth and profits and market domination

SR ED refundable tax credit financing could well be called the perfect marriage of cash flow and the maximization of government tax credits for research in Canada. These ' SRED LOANS ' help to power the economy in a number of ways - which is of course why the Canadian government provides billions of refunds each year to qualified claims. Let's dig in.

We're the first to admit and agree that even the name of the program is a bit too fancy and might well turn off many applicants. (SCIENTIFIC RESEARCH AND EXPERIMENTAL DEVELOPMENT ... aka ' SRED'!) That conjures up men and women in white coats, labs, etc. Yet the reality is that thousands of firms in almost every industry in Canada regularly successfully file claims for those billions of dollars we've mentioned.

Cash flowing your claim simply maximizes , and accelerates recovery of funds for eligible applicants, typically private companies and partnerships .Many business owners and financial managers who either are not fully aware of the program, or a just misunderstand it somehow feel they need to show profitability , or other forms of credit worthiness to both file and finance their claim .

The fairly technical work in preparing a claim is usually handled by a SR&ED consultant. These folks prepare the majority of claims and having a credible / experienced consultant is one key factor that enhances the finance ability of your claim. Its qualified consultants that both maximize a claim, add credibility to their approval from Canada Revenue, and, as we noted help the financing approval.

The total cost of preparing and financing a SR&ED tax credit filing are two separate matters. Preparation consultants typically work on a contingency fee, although fee for service preparation is absolutely available also. We've observed business owners appear to prefer consultants on contingency because these folks absorb all the time and financial risk involved in filing a claim.

SRED Loans are usually ' bridge loans ' - your company receives 70% of the total claim as a cash flow loan - no monthly payments are made in the interim period while you are waiting for claim approval. That other 30% of your funds? You receive it as soon as the claim is approved and funded by the govt, less financing costs.

One top expert analogizes your SRED claim to a well executed high school class experiment

that’s well documented and supported.








Our final point today? Simply that if you're not familiar with either the program itself, or the financing of your claim seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can assist you in that beautiful marriage of cash flow and govt refundable credits.


Stan Prokop - 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 90 Million $ of financing for Canadian corporations . Info /Contact :


7 PARK AVENUE FINANCIAL = CANADIAN SR&ED TAX CREDIT FINANCING LOANS EXPERTISE




Have A Question /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

Direct Line = 416 319 5769

Office = 905 829 2653



Email = sprokop@7parkavenuefinancial.com


' Canadian Business Financing With The Intelligent Use Of Experience '

Buying a Company In Canada : Business Purchase Finance Problems Are Solved Like This

Can Buying A Company In Canada Be Easily Done ? Acquisition Financing 101

OVERVIEW – Information on buying a company in Canada. These business purchase finance solutions , tips and tricks will make your acquisition successful

Buying a company in Canada may be an easier process than you might think... if you're aware of certain financing and valuation pitfalls that many purchasors either don't know about, or worse, choose to ignore. Let's dig in.

In many cases it safe to say that that amount borrowed to fund the purchase will often dictate different levels of complexity. Many businesses in Canada that are under the 5 Million dollar range in annual revenue can actually be accomplished with the government ' SBL ' loan.

Here though the loan cap is $ 350,000.00 so that again dictates that in some cases additional financing strategies on top of that loan might be required. In our experience many franchises are well suited to purchase under that 350k cap. And by the way the general terms and conditions of that loan are very competitive and attractive.

If you are borrowing from a bank, a commercial finance company, or even with some level of seller participation ( aka ' the vendor take back ' ) there are some solid ' top up ' financing solutions available . They include equipment financing, cash flow loans - secured and unsecured, working capital term loan debt, asset based credit lines, and even monetization’s of SR&ED research credits if in fact they exist on your transaction.

While many prospective business purchasers focus on taking on debt or monetizing assets of the business in question they often overlook the fact that a significant amount of cash flow

can be generated by better management of company assets. You would be surprised at how improving A/R turnover, turning inventory faster and managing payables better will improve cash flow.

When buying a business study ratios of DSO, Inventory turns, and a/p days outstanding. They will give you a strong sense of where there is room for improvement. Over all this new found cash flow will limit some of the ongoing working capital you need.

Valuing the fixed assets will also maximize financing potential, and this is typically done via the services of a third party appraiser selected by yourself, or more commonly the lender.

No issue in Canadian business financing could generate more discussion with your lender than the dreaded ' Personal Guarantee '.

While every situation will differ it's safe to say these are negotiable to a certain extent if the overall optics of your purchase are positive.

Purchaser and seller may well wish to consider a vendor take back of some sorts. While sellers can often demand a higher purchase price in this area buyers have the comfort of knowing they have secured some additional ' financing ' with someone who is very incented for you to succeed!

The absolute fundamentals of buying a company and arranging business purchase finance include having a solid business plan, good cash flow projections ( conservative is better!) and ensuring that in some manner you as a buyer have some personal equity in the transaction . It's the proverbial ' skin in the game'.

When it comes to that cash flow carefully consider realistic revenue expectations and your ability to collect client receivables in a timely manner. Building in the need for future asset purchases is critical also.

Both buyers and sellers can benefit from the use of an outside advisor when it comes to actual valuation of the business. Tax issues around asset vs. share financing, earn outs, goodwill, etc can be complex.

Would a co-pilot help?

Consider seeking out and speaking to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success
who can assist you in making more complex financing issues easy to understand.. and accessible.





Stan Prokop - 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 90 Million $ of financing for Canadian corporations . Info /Contact :

7 PARK AVENUE FINANCIAL = CANADIAN BUSINESS PURCHAES FINANCE EXPERTISE





Have A Question /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

Direct Line = 416 319 5769

Office = 905 829 2653



Email = sprokop@7parkavenuefinancial.com


' Canadian Business Financing With The Intelligent Use Of Experience '

Stan Prokop

Financing For Buying A Business In Canada : Unlocking The Not So Secret Book Of Rules

Looking For That ‘ How To’ In Business Acquisition Loan Finance ?

OVERVIEW – Information on available financing for buying a business in Canada . What issues affect finance success





Financing for a business purchase in Canada has some entrepreneurs, business owners and other professionals wondering if there is perhaps a secret book of rules

to success in this aspect of Canadian business financing. We're claiming to have a copy of that publication, so let's dig in!


One key issue in all the work that goes into purchasing an existing business (or even a franchise) in the Canadian marketplace is the necessity to start the financing strategy of your purchase well in advance of any final formal undertaking or offer you might make.

While the current business credit markets are certainly much better than they were post 2008 - 2009 recession one key issue is the amount of personal equity or down payment required by any bank or other commercial lender. (Yes there are non bank options for financing your business!)

Typical sources of financing for buying a business in Canada include:

Canadian chartered banks

The government crown corporation bank

The Canadian govt (via the govt guaranteed Small business loan)

Commercial finance companies

Asset based lenders (this might include an equipment leasing /refinancing component)

At the higher end of the food chain are private equity groups and VC's

which arent really our focus in today’s discussion - primarily because they are equity players, not debt/loans/asset monetization

It is though important for business owners/entrepreneurs to understand the key difference in a debt versus equity final solution - that being simply that any equity financing you could come up with dilutes your ownership and often control in the business

When people source home and personal financing they encounter the recommendation by many to get ' pre - qualified '. This suggestion carries over well into buying a business, as its key, just as it is in your personal financial situation, to demonstrate asset, cash flow, and information on the company/business. Knowing the amount you need to borrow to run, operate and grow the business is also key. This type of business opportunity always requires a contingency plan, as Murphy’s Law is well known in business! (What can go wrong ... will)!

Assessing on going working capital needs is critical also. We have met and worked with many clients who made that proverbial follow up call (we’ve hit a cash flow crunch -help!)

While there might be a all inclusive ' how to ' in buying an existing business or franchise in Canada it might be well considered to seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can help you unlock some of those secret rules to business purchase success.





Stan Prokop - 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 90 Million $ of financing for Canadian corporations . Info /Contact :


7 PARK AVENUE FINANCIAL = CANADIAN BUSINESS PURCHASE FINANCING EXPERTISE


Have A Question /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

Direct Line = 416 319 5769

Office = 905 829 2653



Email = sprokop@7parkavenuefinancial.com


' Canadian Business Financing With The Intelligent Use Of Experience '

Stan Prokop

Financing A Business Purchase : It Pays To Follow This Business Valuation Advice

The Upside Of Financing A Business Valuation Well


OVERVIEW – Information on financing a business purchase in Canada . Business valuation factors and how you interpret and use them have a key role in buying and selling a company successfully

Financing a business purchase in Canada comes with one major requirement - needing to know certain aspects of business valuation and how some of key factors in that process will affect your ultimate success in buying or selling a business. Let's dig in.

Why would business owners / entrepreneurs take on more risk, in effect gamble on buying a business? Many of course feel that that route actually eliminates risk of financial loss if only for the reason they are buying an existing business. Knowing how to finance that purchase (if you're the buyer) or how to maximize benefits of final valuation are key. We'll look at some key issues here from the viewpoint of both the buyer and vendor.

There are some, let us call them ' soft factors ' in purchasing and financing a company if you're the buyer. Although lenders might not necessarily address these issues with you directly we can assure you they are looking at things like your management and industry experience , external economic conditions within your industry, and the potential finaceablity of your sale at a price you and a seller have agreed on.

Other miscellaneous issues (they might not be that miscellaneous) include some due diligence around premises and licensing issues, any environmental concerns, etc. If real estate is part of your transaction almost no traditional finance solutions can be brought to bear if there are environmental /contamination issues.

Naturally the method the seller and buyer have chosen to ' value ' the business affects the financing you need to consummate the deal. That number can vary differently if you have chosen one business valuation alternative over another. These methodologies are a classic bit of art and science and may include:

Return on investment required by the owner

Cash flow analysis (these must be realistic) Here you need to understand past and future working capital requirements

Book values of assets - In many cases either buyer or sell will want to have these appraised

Any business lender, whether it be a bank or a commercial or alternative lender will want to see some key documents around the purchase and sale. They include:

The actual sale agreement itself

Existing financing that is in place - e.g. bank security, leases, contracts, etc - These are typically verified by lenders by checking govt PPSA filings showing secured lenders and what collateral they claim

Up to date financial statements / tax filings


If you are buying a franchise you will of course need permission from the franchisor

In many business purchases a lot of adjustments happen after the sale. They might include which party collects the outstanding receivables, who keep cash on hand, value of inventory that is on hand at closing, and final payments due on leases, utilities, etc.

Whether you're the buyer or seller knowing how to sell or finance a business purchase is key - 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 valuation finance needs.


Stan Prokop - 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com
Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 90 Million $ of financing for Canadian corporations . Info /Contact :



7 PARK AVENUE FINANCIAL = CANADIAN BUSINESS FINANCING & VALUATION FINANCING EXPERTISE










Have A Question /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

Direct Line = 416 319 5769

Office = 905 829 2653



Email = sprokop@7parkavenuefinancial.com

The Sale Leaseback Transaction - From The Lessor.. and Lessee's Perspective

We're a frequent contributor to CANADIAN EQUIPMENT FINANCE MAGAZINE . Here's our published article from the JULY / AUG 2014 issue - To check out this great magazine for borrowers and lenders and other finance professionals see: http://canadianequipmentfinance.com/
Our article is on Page 16 of this issue : Here it is


SALE LEASEBACK TRANSACTIONS IN CANADA

The Sale Leaseback transaction in Canada. How can this unique aspect of asset financing in Canada be utilized for maximum benefit. Some might say that it depends on which side of the transaction you are on - borrower, or lender. From our perspective it's a two way street. Properly executed for the right reasons it becomes... excuse the sometimes over rated term... a win / win.


Let's examine some key aspects of leaseback transactions for 2 major asset classes - Equipment and real estate. From the lessee's perspective it’s all about access to alternative capital without giving up use and long term ownership of key assets. In recent years many companies and even financial institutions have focused on shedding ' non core ' assets as a method of employing capital for maximum ROI. A good example? Witness Canadian banks employing the lease back on prestigious bank office towers.

Fundamentally the transaction is simple - Sell and asset to a third party, leasing it back with the option or ability to repurchase it at the end of the lease term.

What then is achieved from the borrower’s perspective? As we have noted it's a redeployment of capital into other areas of the business. Depending on the value and original structure of the transaction this method of financing can affect key operating and capital ratios - they include debt / worth, current asset ratios, etc.


Borrowers consider leasebacks for working capital, technology upgrades; in certain cases it might be prudent to structure a transaction as a term or bridge loan based on specific issue surrounding the deal.

Financing rates play a key role in the overall background to any transaction of this king. Taken into effect must be any original financing remaining on the asset, current rates, and any tax effects related to the deal.

Many owners and financial managers in any company considering a lease transaction are often confronted with ' pride of ownership ' issues which must be properly rationalized. And looking at it from the lessors perspective it is clearly important to ensure the transaction is not viewed as the proverbial ' cash grab '. Simply speaking it is prudent for the lender to satisfy itself around proper use of the proceeds of the deal.

We note that not all lessors, banks, etc offer leaseback financing. In some cases their charter prohibits any financing of this type. In other cases owner/management at a lending institution has simply decided they don't the expertise or risk appetite revolving around a lease back. Charters of many organizations often specifically prohibit this method of refinancing. Niche players in the industry often include firms that have both financing and asset expertise - with many firms have key personnel with in depth liquidation expertise in all categories of assets.

Rates vary on this method of financing, and it should be no secret that the ever present issues of ' credit quality ' and ' asset quality ' are ever present in any transaction of this type.

Some other considerations for borrowers might include the ability to return capital to owners and shareholders. Management that typically might be incented by key ROI and ROI metrics often look to sale leaseback of assets as a method of ensuring attainment of corporate objectives. When refinancing interest rates align with corporate capital conditions for a sale leaseback are viewed as favorable.

Lessors have the potential ability to offer both capital and operating leases as part of their financial offering in this segment of asset finance. Technology lessors make maximum use of the operating lease vehicle - allowing clients to maximize operating expense deductions, balance sheet enhancement, etc.

We've focused mainly in key benefits and consideration of the borrower. From the asset lenders perspective lease back finance offerings necessitate marketing, legal, and due diligence expertise. Lease contracts must be specifically designed to reflect the essence of the lease back. Key issues such as corporate searches and PPSA issues must be tabled and addressed at the start of any negotiation. In essence the leaseback must be properly ' papered ' to reflect the asset and the financial obligations of the lessee.

As noted asset valuation for purpose of refinancing is key. It becomes prudent, almost mandatory, to engage asset appraisal expertise as the cornerstone of any successful transaction. Different asset categories have different intricacies

The proliferation of information via the internet has greatly assisted owners and lenders in determining true asset value for the purposes of refinancing. Market data on almost any asset can be extremely valuable in initial negotiations around deal value and risk pricing... and these days that data is literally up to the minute. Solid appraisals can significantly benefit key issues such as book value, fair market value, impairment, etc


Key aspects of any appraisal include opinion, value, methodology, assumptions and pictures or videos.

We've observed over the years that many lenders rely solely on relationships they have built with specific appraisers. This is much to the chagrin of the lessee who has recognized the needed for a third party valuation, only to find that the appraisal firm they used is not recognized by a commercial lessor or bank. Bottom line? Money spent... unwisely!

By the way, safe to say also that we have never run into a situation where owners of assets have undervalue an asset in their own mind! That comment specifically relates to a key technical issue in asset valuation - i.e. the type of appraisal that is utilized or required by the lessor. Key categories in this area are fair market value, orderly liquidation, and forced value liquidation. By the way, lessors typically lend against a per centage of forced value, thereby highlighting the difference in owners perception of true asset value



The real secret to proper refinancing via a sale leaseback strategy is due diligence as the lender and an informed borrower / lessee around the leaseback process. That final decision, whether you're a lender or borrower will become a much easier one, and absent of surprises.



Stan Prokop - 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 90 Million $ of financing for Canadian corporations . Info /Contact :



Have A Question /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

Direct Line = 416 319 5769

Office = 905 829 2653



Email = sprokop@7parkavenuefinancial.com


' Canadian Business Financing With The Intelligent Use Of Experience '

A Government Backed Business Loan : How Not To Fail At SBL Bank Loans

The Path From Start Point To Successful Finish In Govt Business Loans – The SBL Goal Line Is In Sight

OVERVIEW – Information on the government backed business loan in Canada. Known as the ‘ SBL ‘ these bank loans provide tremendous financing possibilities to Canadian business owners and start up entrepreneurs







The government backed business loan in Canada - what Canadian business owner/financial mgr wouldn't want a clear start to finish road map for ' SBL ' bank loans in Canada? Let's dig in.

Expectation, or should we say ‘realistic’ expectation is key in understanding the path to success in govt business loans. Specifically this is the financing offered under Industry Canada's CANADIAN SMALL BUSINESS FINANCING (CSBF) program. Our chartered banks fit in because they are the facilitators of the loan under the government’s ever watchful eye.

So how does the owner/entrepreneur successfully prepare an application and obtain financing approval for these loans? It's all about really bring the pieces of the pie together in accordance with what is really required to achieve loan success - we see a lot of clients focusing and preparing issues and info respectively that is simply not required or is much less important relative to final loan approval. Doing it right allows you to eliminate the pitfalls and failure.

At the outset its key to understand the amount of financing you are eligible for. In the case of the program itself it's specifically $ 350,000.00 for the main offering of the program. (If real estate is involved as the asset financed a 500k loan is allowed - however in our experience SBL loans are rarely used for real estate).

One top expert, and we agree, advises that adopting an ' as much as I can get ‘attitude is a failed strategy!

Here is one case where being specific counts - and that is easily achieved in the following manner: Have a clear ' use of funds ‘statement that specifically identifies the asset and leasehold to be financed, including the $ breakdown. That also reminds us that you need a clear understanding that government backed loans only finance two asset categories - equipment and leaseholds. Equipment by the way can easily include technology, software, etc., as these assets are clearly part of the new economy.

Other key elements of your proposal should include info on the owners - that includes mgmt and industry experience, financial stability, and a general sense of demonstrating you know how to run a business. Newbie’s beware!

The other key element of your application is a strong executive summary, or even better a business plan. This should not be viewed as a difficult document - they can easily be prepared by your accountant, or even better an advisor who works in this area and understands the basics of what the banks like to see - specifically cash flow, an opening balance sheet, etc.
Fine tuning the cash flow to show a positive and realistic ability to repay the loan is essential.

The majority of businesses applying for an SBL loan operate out of a premise, and you should ensure that you have a lease that is at least as long as the term of the loan - for some reason lenders like to know you'll still be around !

In the cases of your ' owner equity ' or ' down payment ' in the program that is a minimum of ten per cent but depending on who you are dealing with that might be more. Demonstrating up front you have ' proof of funds ' is key.

If you want to become a quick ' hero ' in SBL government backed loans and have that ' zero to 60 ' feeling 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 govt bank loans that are achieved annually by as many as 8000 other businesses in Canada that take advantage of the program.



Stan Prokop - 7 Park Avenue Financial :
http://www.7parkavenuefinancial.com
Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 90 Million $ of financing for Canadian corporations . Info /Contact :


7 PARK AVENUE FINANCIAL = CANADIAN GOVT BACK LOAN FINANCING EXPERTISE






Have A Question /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

Direct Line = 416 319 5769

Office = 905 829 2653



Email = sprokop@7parkavenuefinancial.com


' Canadian Business Financing With The Intelligent Use Of Experience

Stan Prokop

Business Cash Solutions : Break Free With Sources Of Growth Financing In Canada

Feeling ‘ Awkward ‘ About Growing Your Company ?

We’re Solving That Problem











OVERVIEW – Information on sources of growth financing in Canada. Business cash solutions provide the capital you need to comfortably meet your goals.


Sources of growth financing in Canada allow the Canadian business owner / financial manager to ' break free ' from those chains they feel when it comes to growing their business. Those same business cash solutions or lack thereof! can make our break your business. Let's dig in.

The challenges to lack of bank financing in the SME Commercial Finance sector leaves owners/mgrs with a feeling of awkwardness - if only for the reason they don't know where to turn when it comes to accessing capital.

If there is any good news it's simply that the whole situation has left a lot of alternate solutions on the table, as well as in many cases forcing business to get back to a lot of basics around cash flow planning. There is nothing more exhilarating than your client demands for more of your product or services and feeling you can't deliver because of financing challenges.

Not everyone may necessarily agree that the current state of business finance in the small/medium enterprise sector is a dire straits situation. For centuries business has relied on Canadian chartered banks and other large institutions to provide the bulk of financing needed

Are there business cash solutions that will eliminate the concern for lack of finance alternatives? Of course there are, and they include:

A/R Financing

Inventory Finance

Asset based ABL lines of credit

Purchase order financing

Working capital term loans/unsecured cash flow loans

Tax credit financing (SR&ED / Media refundable tax credits)

SAS Financing (software as a service)

Royalty Finance

Securitization

Equipment financing/ Sale Leasebacks/Bridge loans


If in fact top experts are correct that access to finance remains a large concern to owners then the above solutions clearly provide positive hope.

Naturally many firms continue to pursue outside equity capital - that’s not what we're focused on here today, if only for two reasons:

Only the smallest percentage of firms going the private equity/VC route are successful , and we'll remind you that when they are owners give up large per cent ages of ownership.

Naturally if you don't have proper financials, and other potential key requirements such as business plans, timely cash flow projections, growth prospects, etc you are never going to get the financing you need at a competitive price.

And in many cases those non bank alternate finance solutions cost more so your ability to achieve the lowest cost is always going to be hampered by a poor business/financial case. Simply speaking you need to show lenders you're got a growth plan to success.

If you're feeling ' awkward' about Canadian business financing solutions seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can assist you in breaking free from the chains of lack of sources of growth financing .






Stan Prokop - 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 - Completed in excess of 90 Million $ of financing for Canadian corporations . Info /Contact :



7 PARK AVENUE FINANCIAL = CANADIAN BUSINESS FINANCE & GROWTH FINANCING EXPERTISE






Have A Question /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

Direct Line = 416 319 5769

Office = 905 829 2653



Email = sprokop@7parkavenuefinancial.com


' Canadian Business Financing With The Intelligent Use Of Experience '





























Stan Prokop