A Commercial Leasing Company : Your Ride To The Top In Canadian Equipment Finance Needs

What Do The #’s 3 And 10 Have To Do With Lease Financing In Canada – Answer : Everything

OVERVIEW – Information on equipment finance in Canada. The commercial leasing company offers asset acquisition solutions if properly understood and utilized

Equipment finance needs require knowledge of the 3 and 10. Knowing what a commercial leasing company does, and how it works relative to your acquisition needs puts you in a position of equal power when it comes to asset financing. That new found knowledge becomes your ' ride to the top ‘.

Let's dig in.

Let's first cover off the 3. There are essentially 3 types of lease firms you should be working with. Not working with the right one has the strong potential for wasting time and expense.

As we have said there are different ' types ' of organizations that offer the asset financing you need for your fixed asset acquisition needs. Knowing which source to access for a particular need is a valuable knowledge tool for the business owner/financial manager.

While Canadian chartered banks are not always first to think of when it comes to equipment lease more and more of Canada's banks have entered the leasing market. They either own, or operate numerous lease firms. To qualify your firm must be credit worthy with an appropriate mix of profits, assets and cash flow. Bank leasing is available in small, mid and large ticket transactions. Larger transactions are often tied to your total banking solution.

Many mfrs also offer financing services. They do this directly, via what’s known as ' captive ' financing, or they partner with firms that offer lease financing to their clients. Captives use financing to increase sales as much as generate lease profits on finance costs. As a general rule you will always get a better deal on price, terms and structure when offered by the mfr. - in some cases the rates are even subsidized to enhance the financial offering.

The bulk of commercial lease financing in Canada is offered by independent commercial lease company. Whether Canadian or U.S. owned they offer the widest variety of funding sources, with many specializing in deal size, industry niche, geographical location, or credit quality focused. By the way, many firms that might not qualify for bank or captive financing can have leases structured to qualify for financing. While they might mean a down payment, a shorter amortization, etc in the end it’s the approval that counts to the business owner.

Let's move on to the 10’s. Here we are talking about specifics you need to address in constructing a finance lease that makes sense for your asset acquisition. Those ten issues include: conveying the use of the equipment to the lessor, working with the right lease company, understanding the final monthly payment relative to your cash flow, mid term lease flexibility, insurance .maintenance needs if applicable, upgrade options, end of term obligations, returns if equipment is not going to be owned, and finally any miscellaneous costs associated with the lease.

A simple checklist could be constructed to ensure you've covered off all the bases. Not knowing the real story on any of our ' 10 ' ultimately will cost you time and money.

So there you have it. The 3 and 10 covered completely! An alternate level of comfort? 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 commercial leasing company and equipment 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 EQUIPMENT LEASING & 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

Finance Lease Solutions Almost Always Make Sense : Equipment Financing Works

Can Equipment Financing Buy Business Happiness In These 4 Asset Categories ?

OVERVIEW – Information on finance lease solutions in Canada . Equipment financing makes total sense for consideration in these 4 asset categories – equipment , construction, technology/computers and software

Equipment financing in Canada might not be able to buy you happiness - but it sure makes sense to consider finance lease solutions in these 4 categories of business assets. Let's dig in.

When business owners understand some equipment lease basics all of sudden acquiring assets in these 4 asset categories makes total sense.

1. Computers / Technology - investments in this area tend to be some of the larger financing decisions that many companies make. Whether it’s a commodity type solutions or a specialized software /hardware acquisition a lease solutions tends to make these type of assets ' affordable '. The ' sticker shock ' of total investments required can be significantly mitigated with lease pricing and structure - allowing business owners to conserve working capital and maximize ' return on investment '.

No asset depreciates faster than technology, so the ability to keep your business competitive while maintaining flexibility clearly gives you a ' total solution ' approach.

2. Software - More often than not investment in software solutions makes firms more profitable and efficient. Almost any type of ' application software' can be financed. That includes license to use the product and the ability to upgrade to newer versions via a properly structured payment plan. Accounting packages as well as office software are typical items that are very financeable.

3 .Equipment /Production Assets - 80% or more of all North American businesses use, or have used asset finance leasing solutions. When business owners and financing managers combine the ease of approval, payment flexibility , as well as the balance sheet and tax benefits of asset financing more often than not, in fact almost ways, outweighs outright purchase .

And those assets for finance consideration? They include metalworking. Fabrication, injection molding / cnc, milling, and press equipment, to name just a few!

4. Construction Equipment (New & Used!) - It no surprise that in the next 4-5 years analysts advise that over 200 Billion $+ of new and used construction assets will be purchased in the U.S. and Canada. Today’s buzzword is ' infrastructure ' and these assets in mining, concrete and road equipment are key parts of that major trend.

While Construction equipt. might not be as ' technologically advanced ' as computers it's running a close second, and traditional mechanical equipt has become very advanced while providing more cost effectiveness at the same time. Whether it’s one unit, new or used, or a fleet of assets items such as cranes, cement trucks, excavators, etc are high tick cost that can be financed at low ticket payments!


When acquiring assets in our four categories we've covered it's important you're familiar with basic terms around rates, residual values, purchase option flexibility, as well as the type of lease you're entering into, either a capital ( lease to own ) or an operating ( lease to use ) solution .

A balance approach is important in any consideration of asset financing and acquisition. While finance lease solutions eliminate ownership (unless structured properly) and have almost no termination ability, as well as coming in at sometime a higher cost it always makes sense to consider the cash flow conservation and other flexibilities that come with this solution.

Yes, money can't buy happiness,

but business happiness when it comes to proper finance lease solutions is a distinct possibility. 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 proper equipment financing solutions tailored to your business 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 EQUIPMENT FINANCING AND FINANCE LEASE 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



.

Commercial Loans In Canada : No Silver Bullet Approach To Raise Capital For Business Investment

Eliminating The ‘ Dark Side ‘ Of Canadian Business : Financing

OVERVIEW – Information on commercial loans in Canada . The ability to raise capital for investment in business growth depends on a number of key factors.

Commercial loan needs In Canada: Cash and capital are two basic fundamental needs for any Canadian business. Your ability to raise capital and access funding for investment depends on some key factors. Let’s dig in.

Every counted the needs you have around working capital and ongoing cash flow? They include fixed costs such as rent/leases, wages, equipment needs, and even ongoing research and development if that's applicable to your industry. Business owners also want to ensure they are not overly exposed personally when it comes to personal assets and collateral they are more often than not required to pledge. The hard reality is that the search for cash and capital are never ending and your current situation will almost never mirror your long term needs. All those factors contribute to a feeling of entering the ‘ dark side ‘.

Many business owners and clients we meet are sometimes of the opinion there is one ' silver bullet ‘.

Top experts tell us that in fact a number of different factors determine what type of capital you require and in what amount .Those factors include:

Type of industry

Capital Intensity requirements re needs for fixed assets

Profit margins

Sources of capital can potentially be accessed quicker if you have access to people in the know - they include accountants, lawyers or a Canadian business financing advisor. Their ability to provide you with a road map to financing success increases commensurate with their expertise.

There are also huge differences in capital solutions depending on whether your firm is a start up, in business and growing, or mature and looking for new markets or acquisitions. NOTE: One of the best solutions for start up financing in Canada is the Govt Small Business Loan, aka the ' SBL '. It finances equipment and even leasehold improvements to rented premises. Having a track record in business or in a particular industry really helps here.

As businesses mature they need to both acquire and finance assets. Financing assets can be achieved through various means:

Traditional bank lines and term loans

Receivable and Inventory Financing

Monetization of SR&ED tax credits for companies that participate in that program

Asset based non bank business credit lines - They are known as ' ABL's

Equipment financing and Sale Leasebacks

Commercial lenders have never been more plentiful and are providing financing in various ' niches’ for SME COMMERCIAL FINANCE needs.

We constantly remind clients that angel investors , venture capitalists, and private equity groups offer equity capital for the rare 1-2% of business that qualifies for this method of capital raising - ' Equity '.

More mature firms may want to divest either divisions or founders may wish to sell their business. Acquisition financing must be matched to proper valuation and asset situations.
If you’re at the crossroads in business financial solutions consider seeking out and speaking to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can bring some light to the ‘ dark side’ of business : funding .




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 COMMERCIAL LOANS AND CAPITAL INVESTMENT 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

A SRED Research & Development Tax Credit Loan : SR&ED Finance In Plain Sight

SR&ED Tax Credit Financing Is The 5th Building Block In Your R&D Strategy

OVERVIEW – Information on SRED ( SR&ED ) research and development tax credit loan finance. Financing your refundable tax credit accelerates cash after your claim is properly completed and filed

A SRED (SR&ED) research and development tax credit loan finance strategy is essentially the 5th building block in your overall R&D strategy. The bottom line - it brings your cash recovery in plain sight! Let's dig in.

SR&ED claimants in Canada can be veteran participators in the program, or in some cases first time filers. From our perspective when we talk to clients in the area of SR&ED loans it's really a 5 prong strategy, with financing being that last building block that brings the cash home .

So what about those other 4 initial building blocks and how does the Canadian business owner/ financial manager filing ensure they have all the bases covered. It all comes down to a common sense approach to your R&D finance strategy.

First of all you have to ensure you're eligible, other wise time and expense will be part of your agenda you don't want. First time claimants often think their claim might be too small - smaller claims would typically be in the 50k range and larger claims certainly can be all the way up to a Million dollars+.

While the vast majority of firms are claiming SR&ED are legal corporations that actually isn’t a requirement and sole proprietorships/partnerships can also claim and file their R&D spend. Percentages of recovery of your research and development vary by category , and qualified SRED consultants or individuals can properly assess maximum recovery , which can be from 15-35% of your total spend.

Secondly, we've already mentioned the 'SR&ED Consultant ' - it's his or her role to ensure your claim qualifies. The quality of that filed claim will determine your total cash recovery, i.e. the refund. While the essence of a claim is the ' experimentation ' around the advancement of technology the manner in which that is documented is key.

The third building block is the way in which your claim is filed and when. You or your consultant is required to document your efforts and costs. Those costs typically include salaries that are a part of the R&D, payments to contractors, and overhead and materials. In recent years equipment purchased for research qualified but no longer does.

The 4th building block. It's simply filing your claim which is typically done at the time you file your annual financials. The majority of consultants that Canadian business/owners managers use are paid on a contingency basis so filing a proper claim in the right timelines is as important to them as yourself. In recent years these preparers of claims actually have to identify themselves and their compensation arrangement with your firm

That brings us to building block # 5, and it’s the financing of your claim, unless of course you choose to wait for a refund. Refundable tax credits are a key part of the cash flow for many firms, and for them it makes sense to finance a claim and accelerate cash.

A SRED tax credit loan is a very basic process, with your actual claim, i.e. the refund serving as the key collateral for the loan. Claims are financed at 70% loan to value... so a 200k claim would typically net the business owner 140k in immeidate cash.

And those payments? The good news is there are none during the entire waiting process - and when your claim is adjudicated and approved you immediately receive the balance of the claim less financing costs. If you are focused on financing next years claim and have already started to spend on R&D monies can also be advanced prior to final completion and filing of your claim. In effects it's a SRED credit line for your research...

If you're filing SR&ED claims and feel cash flow acceleration is key investigate SRED FINANCE by speaking to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can assist you in the financing of your claim.



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 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

Canadian Receivables Factoring and Financing! Pick The Best Cost and Rates Of Invoice Finance

Meet your new favorite ways to achieve working capital financing - This is Serious Business!

Information on Canadian receivables factoring and invoice finance rates in Canada . How does the owner pick the right facility and the right lender . Now you know!

We encountered a great term the other day when it comes to business financing - the term was ' expansionary finance '. Is it just us or does this term seem to perfectly cover off factoring and receivables financing.

Often though three key issues come up when Canadian business owners and financial managers consider this type of financing. What are those 3 issues? They are:

Total cost of this type of financing

Rates associated with this facility

What type of firm offers the best facility to match your company's own specific needs


Let's learn and cover off those issues, which will allow you to get more comfortable we think with this type of Canadian business financing.

So, why should you even be considering receivables factoring? Simply because it has become a common way for Canadian business to cash flow their accounts receivable and generate working capital based on your own policy of extending credit terms to your customers.
And, as most business owners know, sales does not equal cash flow and when business financing of your A/R is not available from your bank a logical place to turn to is to an independent finance firm that offers invoice financing.

But, what does this type of financing cost, and who offers it, and an even better question... 'How do you pick the best factoring partner?
In Canada the financing and factoring of A/R varies widely. As a general rule we can say the cost is between 1-3% per month based on the size of the facility, your overall financial condition, and most importantly, whether you have sought out and picked the finance firm that best suits your needs.

Let's clarify our comment on your overall financial condition. Receivable financing places much less emphasis on your firms overall financial health - in fact a huge amount of Canadian firms that utilize this type of financing are in stages of turn around, high growth, experiencing temporary financial losses, etc. So don't despair that your firm isn't eligible. But, as we said, your client base, the size of your A/R portfolio on a monthly basis and some other factors will dictate your overall pricing.

Frankly the best costs in factoring finance in Canada start to be achieved when your monthly financing capability for A/R is greater than 250k. Is there a ceiling on the amount of facility? Absolutely not, and facilities that go into the several millions of dollars on a monthly basis happen everyday in Canada.


Clients often ask our favorite most recommended type of facility. That's a simple one - its called C I D - which stands for Confidential Invoice Discounting, allowing you to be in total control of billing and collecting your own a/r without any notification to clients that comes with the U.S. and U.K.versions of a/r finance.


Remember also that when you are addressing the always top of the list issue with firms such as yourself, ' Cost ' that you need to factor in things you might never have thought about. They include your ability to grow your business and generate more profits simply because you now have the capital to do so, albeit at a higher cost. And couldn't you offset some of the cost of factoring by taking discounts with your own suppliers (and improving relations with them along the way!), as well as purchasing more effectively with your new found working capital?


So, in summary, if you need a financing partner when you are considering a receivable management and financing solution seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success
who will ensure your cost and partnership with your factoring firm is focused on a mutually beneficial relationship for financing 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 :

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

Asset Based Finance : Here’s Your Hall Pass On Business Credit Lines

The Perils Of Perception In Asset Based Business Lines Of Credit




OVERVIEW – Information on business credit lines in Canada. Whether it’s the bank or asset based loan it’s critical for owners/managers to understand the positive and negative implications of each type of revolving facility

Business credit lines , we've found, come with certain ' perceptions' from business owners and financial managers in Canada. There are some dangers in those perceptions.

Let's dig in.

A business revolving credit line actually comes in a couple different shapes and sizes - and the differences between bank facilities and other commonly used financing methods are significant. So how about a ' hall pass '

on our subject. We'll look at the typical use of these facilities, who qualifies for what, and how they are structured in terms of collateral and security. Along the way you'll see there are some benefits and disadvantages from each type of facility, as well as some major cost differences.

Revolving credit lines are a specific type of secured financing and are directly related to the current and fixed assets of your business. Although Canadian chartered banks typically lend against receivables and inventory ( mostly receivables actually ) an Asset Based Lender has the ability to bundle a/r, inventory, and even your fixed assets into one asset base you can borrow against on a continuous basis . That's one of the key differences between a bank line and a credit facility

Credit facilities are available from either a bank or commercial finance firm for almost any size, and no firm is really ineligible - every industry really qualifies and that includes mfg firms, distributors, service firms, and technology related industries. Firms that sell on an all cash basis rarely qualify for bank or asset based credit lines unless they are large retailers where the financed asset is the inventory.

If there is one simple way to view the difference between a bank credit line and an ' ABL ' solutions it's simply the difference in how each of those two lenders looks at it. One is cash flow based (‘the bank ' )

and the other is asset based. (‘the asset based ABL lender').

Asset based lending focuses on the constant ebb and flow of turnover of assets - in almost every business there's a certain ' rhythm ' in that turnover that constantly repeats itself. So as the ABL lender gets comfortable with your peaks and valleys, and the quality of A/R and inventory it's relatively easily for your business to achieve all the working capital you need based on sales and asset growth.

Costs are a huge aspect of the conversation around bank vs. ABL lending. While mostly, (but not always) more expensive, asset based lending delivers on more borrowing power. The business owner/manager must balance access to credit vs. cost of credit. Additionally banks impose various covenant and ratio restrictions that must be met. Those restrictions tend to be only borrowing based focused when it comes to an asset based lien of credit.

If you're looking to maximize liquidity and borrowing power from business credit lines, and want to know the difference between your two choices seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can ensure your credit line needs are met with an objective and workable solution.





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 ASSET BASED FINANCE AND BUSINESS CREDIT LINES 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

A Govt Guaranteed Small Business Loan :The Ultimate In Crossover Loans

No Surprise Here :

How You Apply For A Government Backed Loan Determines What You Get









OVERVIEW – Information on the govt guaranteed small business loan in Canada. Navigating the application process smoothly with this information

A Govt guaranteed small business loan in Canada is probably the ultimate in what we could call a ' crossover' financing. Why? It delivers all the benefits (and more) of traditional term loans and in many ways is more accessible for entrepreneurs and existing business owners. Let's dig in.

Another given in federal small business loan financing is also the fact that your ability to apply properly will always determine the amount and timing of your approval. Unlike many other types of business financing in Canada ' SBL ' loans can be adjudicated in only a few days if a proper application package is done. And by the way, there’s lots of help out there to do that work for you at no or minimum cost.

What then are the components of a successful small business loan financing under the ' CANADIAN SMALL BUSINESS FINANCING ' aka the 'CSBF ' Program? Knowing where to go is a good start, and it commences by understanding that the government actually has nothing to do with the program on a day to day basis, they assume the majority of the risk for the loan and your bank does the rest.

Planning in advance is key to success in ' SBL’ loans financing. Your primary document is a business plan, or at a minimum a strong executive summary. There is only one goal here - to ensure you properly lay out why the loan is a legitimate and sound investment under the program.

That is achieved by properly presenting the business in terms of:

Industry overview

Your management or industry expertise

Competitive conditions

Proper opening balance sheet and cash flow positioning

It is also key to lay out clearly the exact use of funds - since the program only finances two asset categories, equipment and leaseholds, its critical to show the proper description and use of the funds. Many franchises are financed under the program under all the same criteria.

In certain circumstances you will have a challenge in loan approval if you don't properly demonstrate management depth and experience related to your project. An example might be the opening or purchase or a restaurant, an industry with a high default rate, so mgmt expertise is clearly desired.

While the majority of businesses that apply for government loans are incorporated its critical to note that it's not 100% necessary, but if you're focused on a real business as opposed to a hobby incorporating is clearly the way to go in our opinion.

If you are looking to explore the benefits of a government backed loan 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 application 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 GOVT GUARANTEED LOAN 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