WELCOME !

Thanks for dropping in for some hopefully great business info and on occasion some hopefully not too sarcastic comments on the state of Business Financing in Canada and what we are doing about it !

In 2004 I founded 7 PARK AVENUE FINANCIAL. At that time I had spent all my working life, at that time - Over 30 years in Commercial credit and lending and Canadian business financing. I believe the commercial lending landscape has drastically changed in Canada. I believe a void exists for business owners and finance managers for companies, large and small who want service, creativity, and alternatives.

Every day we strive to consistently deliver business financing that you feel meets the needs of your business. If you believe as we do that financing solutions and alternatives exist for your firm we want to talk to you. Our purpose is simple: we want to deliver the best business finance solutions for your company.



Monday, December 1, 2014

Factoring Receivables : Full Speed Canadian Receivable Finance Strategies






Financing Cash Flow Needs : The Factoring Way












OVERVIEW – Information on the Canadian receivable finance strategies known as factoring . Receivables represent a major source of liquidity and knowing how they can be financed is key to business success





Receivable finance in Canada
is a function of managing the investment your company has in A/R. The cash flow needs that arise are directly related to your policy of granting commercial credit to your clients - and the severity of that need is commensurate with the level of slowness your clients take in paying you.

Factoring receivables is one way to manage that challenge, and done properly, its ' full speed ahead '
with a business financing solution that makes sense .Let's dig in.

‘Quick ' is the word we hear most often when it comes to invoice financing. The real challenge though is the ability of the owner/ financial manager to ensure he or she has the right facility in terms of size, rate, and being able to live with the way this method of credit facility is handled. Our most common and recommended solution is CONFIDENTIAL RECEIVABLE FINANCE, allowing the owner/manager to mirror the same type of borrowing that could be achieved through a bank scenario.

That begs of course the question why the owner simply wouldn’t utilize Canadian chartered banks as a solution to the cash flow/working capital challenge. For further clarity in that manner it’s also important to understand that factoring receivables is not a ' loan ‘, and it certainly does not add any debt to the balance sheet.

Firms that choose to go the bank route for a revolving credit facility must be able to demonstrate consistent profitability, in addition to a balance sheet that reflects required ratios around debt to equity. Any imbalance in your ' current ratio ' of liquid assets to payable and other debt you have also can bring a screeching stop to bank approval. Many firms actually do qualify for bank financing, but not enough to meet their needs. A typical example is when large orders or contracts need to be filled in a timely manner.

The common advantages of factoring receivables are:

Fast approval

Unlimited credit relative to the amount of sales and A/R you are achieving

Unrestricted use of funds for general commercial purposes


It is a common misconception that you have to finance all your a/r all the time - that is certainly NOT the case, and prudent owners/managers will simply draw down what they need , paying only for what they are using in the facility at any given time . That alleviates a lot of the cost of the facility, which typically in Canada, using $ 10,000.00 as an example, costs 200$ for a 30 day period. Naturally the benefits of receiving those funds immediately include being able to satisfy all your operating obligations, as well as being able to better manage price and discounts with key suppliers.

As we consistently meet Canadian business owners who are not even familiar with this method of financing its quite a consolation to them to know that factoring has been around a few hundred years - with even major FINANCIAL POST top 500 firms utilizing this or similar ( securitization) methods of cash flow financing.

Certain industries such as transportation, staffing, are perfect candidates for factoring, but the reality is that any business with commercial receivables qualifies.

The type of facility you set up (traditional vs. non notification), the cost, who you are dealing with, and the actual agreement is what makes or breaks success in non bank A/R financing. 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 working capital 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 RECEIVABLE 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 '
































Friday, November 28, 2014

The Government Of Canada Business Loan : A Better Way Via Unsecured Business Loans




Govt SBL Small Business Loans Fix The Burning Desire To Start Or Grow A Business












OVERVIEW – Information on the government of Canada business loan . These guaranteed unsecured loans are the entrepreneur/business owners solid route to starting or growing a business






Unsecured business loans
, via the Government of Canada business loan program almost always (and done properly) satisfy the need of the entrepreneur/business owner to start or grow a business. It has become a great way to quench the burning desire of entrepreneurs to finance or begin a business. Let's dig in.

When business people become aware of the program all of a sudden the goal of financing a business becomes within reach. That is not to say of course that numerous other challenges exist (location, staff, generating revenues to budget), they do, but the idea of obtaining the cash flow you need in a form that is very competitive is all of a sudden very appealing.

Not having the right or enough financing in place can often backfire relative to owner credibility - in business 2nd chances are hard to come by in many cases.

The appeal of the program essentially revolves around the fact that it provides competitive financing, up to 350k, for businesses that can't access traditional capital from Canadian banks. Rates for the program are in the 3% over prime range, and at today's low rates that’s very appealing for start up or SME COMMERCIAL FINANCE needs. By the way, the size of your firm, projected or actual, must be under the 5 Million dollar range on an annual basis.

Government SBL small business loans
are offered by INDUSTRY CANADA, a part of our federal govt in Canada; but they are administered and approved by Canadian chartered banks. The government provides credibility to your loan via a guarantee to the banks for a substantial part of the loan. What bank doesn't like that?!

When we meet with clients requiring this type of loan it's often necessary to instantly clarify what the loan finances. That is new or used equipment, leasehold improvements, and real estate. What it does not cover, much to the disappointment of many, is working capital, refinancing existing loans, and inventory. Those needs can of course be accomplished by other finance sources including:

Leasing
Receivable and Inventory Cash Flow Financing
Sale Leasebacks
Tax Credit Monetization of SR&ED claims
Asset based ABL lines of credit


To qualify applicants need a reasonable personal credit history, a business plan and cash flow forecast that reflects the potential success of the program, and basic info that would in fact be part of any other business financing loan - i.e. incorporation details, details of use of funds, a premises lease, etc?

If you're looking for the ' better way ' in business start up or growth financing 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 capital 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 BUSINESS LOAN AND UNSECURED 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 '































Thursday, November 27, 2014

Asset Based Line Of Credit : Your Solutions To Your Mountain Of Pain Via ABL Business Credit Lines





Don’t Click Here If You’re Satisfied With Business Credit Line Financing





OVERVIEW – Information on the asset based business line of credit . How this ABL solution differs from traditional bank lending . Assessing the highs and lows of this method of revolving credit facility






An asset based business credit line is one solution to what many business owners / financial managers tell us is their ' mountain of pain '
when it comes to revolving credit facilities that make sense for their company. ‘ABL ' asset based lending is the one alternative to achieving a working capital line that makes sense. Let's dig in.

There are subsets of asset based credit that also work for many businesses in Canada. The primary one is invoice financing, which focuses specifically on accounts receivable, and unlike ABL, does not take into account borrowing against your inventory, equipment, and other assets. While invoice factoring works for thousands of firms it falls down when the business owner/manager finds that way of financing the business as too inflexible.

Getting into the wrong facility can become either too expensive or in some cases cumbersome. If there's one primary reason businesses shy away from invoice financing it’s because they don't want the financing to have any involvement with customers, suppliers, etc.

We can commiserate with these clients because the ability to keep how you finance your company private is probably how you want to run your business. If there is one other perception of invoice financing on its own it’s that many firms simply don't understand what it does and, as importantly, how it works and how it is priced.

How are commercial finance firms offering ABL credit able to compete with banks? Top experts tell us that the ' risk spread ' on banks lending to smaller firms is less attractive than lending to large commercial borrowers.

Asset based lenders fill the void that exists when small to medium sized businesses find they are unable to secure ' traditional' loans.

So that brings us around to the ASSET BASED BUSINESS LINE OF CREDIT, which finances your a/r, inventory, and equipment under one revolving credit facility . In many ways is the perfect alternative to ' credit hungry ' Canadian business.

Top experts tell us that thousands of firms are now fully utilizing asset based lending facilities - primarily in the start up and SME Commercial market place, while many would also be surprised at major corporations that utilize this type of business borrowing.

This ' bundling ' of your assets into one borrowing facility provides liquidity and borrowing power that is more often than not 100-200% more than you could achieve at a bank facility. It is also well suited to Canadian businesses that sell into the U.S. as no real distinction is made between U.S. and Canadian receivables if you're working with the right partner.

And paramount to all of this is the fact that the facility is ' CONFIDENTIAL ' with respect to your business running on its own, billing and collecting your own receivables.

If you're looking to understand the key advantages of the ABL business line of credit vs. your ability access bank finance 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 removing that ' mountain of pain ' around working capital needs in Canada.



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 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 '

























Wednesday, November 26, 2014

Financing A Franchise Purchase In Canada : Your Franchising Loan Trust Factor Starts Here







Stuck At The ‘What To Do Phase’ Of A Franchise Loan In Canada?



OVERVIEW – Information on financing a franchise purchase in Canada. What are the most effective means of obtaining a franchise loan in the Canadian marketplace


Financing a franchise purchase in Canada often involves a ' trust factor ' that is being sought by the franchisee when it comes to choices and alternatives in accessing the right capital for the business purchase. That purchase can be from the franchisor directly, or from an existing franchisee that has the authorization to sell his or her business. Let's dig in.

Often the franchisee is simply stuck at what we call the ' what to do ' phase of the business purchase decision. While many regard Canadian chartered banks as the solution for the buying of the franchise the hard truth is that this type of business financing is rarely done directly by the bank.

When it is it requires the purchase of one of the larger and well known names in the franchise industry. This eliminates hundreds of other franchises where the franchisor has not established a relationship directly with a bank program.

What then are three solutions available for the entrepreneur who wishes to enter this industry? One is what we just mentioned, purchasing one of the larger ' names ' in the business where established programs are in place. (By the way, that doesn't guarantee approval, it gives you only the right to apply!).

The second solution is to work with a specialty franchise finance lender which again has some constraints around what and who they are willing to finance. The third solution? It's to cobble together some financing via commercial finance firms that might consider financing specific assets such as equipment, leaseholds (difficult to finance), as well as working capital needs.

But wait... there's more!
One tried and tested solution is to utilize the Govt Small Business Loan, aka the ' SBL '. While not originally intended to finance the purchase of a franchise it has become the ' go to ' method of franchising finance for thousands of entrepreneurs.

What makes the govt loan so attractive is that it is easier to get approval for by virtue of the fact that the govt guarantees the majority of the loan to the bank. Rates are also attractive, and that includes the ability to prepay without penalty. Additionally not personal collateral is attached to the transaction, and those leaseholds, often difficult to finance, are fully financeable under the program.

Franchise purchases
up to 350,000$ are financeable under the SBL. Basic requirements are a good personal credit history, a positive personal net worth, as well as being able to demonstrate and provide a strong loan package that includes a business plan, cash flow projection, etc. Remember the bank (and the govt) is not an equity partner with you, they simply want to be repaid from projected cash flow/profits.)

If you're looking for franchise capital and are reluctant to pledge personal assets, home, etc 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 financing needs. It's virtually the end of your ' what to do ' phase in financing a franchise purchase in Canada.




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 :

http://www.7parkavenuefinancial.com/financing-franchise-purchase-canada-loan.html





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 '






































Monday, November 24, 2014

Business Loans And Bank Line Of Credit Options In Canada





Canadian Bank Financing Solutions And Alternatives ( The Elephant In The Room )






OVERVIEW – Information on the role of bank and commercial financing companies in Canada for business loans and the search for a bank or non bank line of credit in Canadian business financing needs






Business loans
or a bank line of credit have Canadian business owners and financial managers facing a double edged sword - We're calling it ' choice ' and ' challenge ', and the current popularity of the phrase ' the elephant in the room ' begs the discussion around how business feels about bank and bank alternatives . Let's dig in.

There is a lot of talk among (mostly older!) business people around the ' loyalty ' they have to Canadian banks and other commercial finance sources. Major studies and top experts clearly show that loyalty is declining and the overall experience business has with accessing financing is at a minimum ' troublesome '.

Automization, credit scoring, and digital forms of borrowing have continue to create a maze of both confusion and options for the business borrower. The SME COMMERCIAL FINANCE sector, as well as start ups faces challenges in sourcing a bank relationship manager that can provide capital and revolving credit facilities that meet the need.

While larger ' credit worthy ' customers have access to almost unlimited capital at incredibly low current rates , including the luxury of having banks compete for their business , the start up and SME Commercial Finance sector is often unable to access this capital for credit quality reasons .

This latter group has to gravitate to a number of non bank solutions that provide capital but often have a higher cost - that’s the ' trade off ' - Those solutions include A/R Financing, Inventory Finance, Asset based ABL business credit lines, Tax Credit Monetization Sale Leasebacks, and Purchase Order and Royalty Financing . Companies that have successfully sought these options have provided portions of their assets to acquire the capital they need, notwithstanding that banking is often the ‘preferred ' option. The simple bottom line - Canadian business borrowers are willing to consider options.

We've also dealt with many clients who simply want to change their bank because of either an account mgr relationship issue or loan covenants that don't make sense. (To the bank they seem to make perfect sense!)

Price and costs of finance is often the key motivator in changing a bank relationship. The challenge of the bank relationship manager is to sell a total value added relationship , which can often be limited because of issues such as geographic coverage, etc.,

Timing of approval and access to capital is a big issue, many business borrowers simply can't wait for the time it takes for a bank to make a decision - that allows many commercial finance companies that offer other solutions to be viewed as a viable alternative. In many cases such as ABL financing, tax credit finance, PO /Trade finance these firms are highly specialized and viewed as the expert in certain niches.

Many of these non bank alternative solutions also can co exist nicely with a bank relationship - however some can't when it comes to collateral, etc.
If you’ve been reluctant to discuss the ‘ elephant in the room ‘ i.e. the bank or non bank financing solution 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 a total financing package, bank or non bank, that makes sense within your firm and industry.




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 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 '







































Sunday, November 23, 2014

Creative Business Financing Options In Canada : A Thumbs Up Overview






Looking For Some Traction In Canadian Business Financing








OVERVIEW – Information on creative business financing options in Canada . A combination of traditional and alternative loan strategies to finance growth




Creative business financing options
are constantly sought by business owners/financial managers and entrepreneurs. Whether they are a start up or established business it's a constant struggle to get a handle on ways to strengthen the business... financially. So how does business get some real ' traction' in financing? Let's dig in.

Access to the right financing sources, either alternative or traditional helps you strengthen your business. It's unfortunately often too easy for the business owner/mgr to feel like the company has ' hit the wall '
which we've found unfortunately prompts some ' undesirable behavior' which might inlcude delaying payments to key vendors relationships, using CRA obligations for your working capital source (not a recommended alternative finance strategy!), and perhaps worst of all for true entrepreneurs - being unable to take on large contracts, new business, experienced employees, etc.

The big guys view the whole process of growth as ' scaling' a business. How then does the owner/entrepreneur ' scale ' their business in the SME COMMERCIAL FINANCE space? The answer revolves around:

Understanding core finance strategies (working capital / term loans / asset monetization, etc)

Being able to address financing for immediate and long term growth

Knowing they key issues that will both inhibit your ability to access cash flow financing is key.

Key to execution of a finance strategy is knowing your options - they are in fact just a few short categories here - monetizing your assets, taking on term debt, or accessing unsecured cash flow financing.

The actual solutions? They are a combo of traditional and alternative financing strategies - In some cases only one is needed, in most cases its a cobbling together of a couple of options to address multiple needs of your business.

Revolving bank lines of Credit - TRADITIONAL

Unsecured Cash Flow Loans
- TRADITIONAL

Working capital term loans
- TRADITIONAL

Govt Guaranteed SBL Loans - TRADITIONAL

Equipment Financing - TRADITIONAL

Sale Leaseback/ Bridge Loans - ALTERNATIVE

Asset Based ABL Business Lines Of Credit - ALTERNATIVE

A/R Financing / Factoring / Confidential Receivable Financing
- ALTERNATIVE

INVENTORY FINANCE - ALTERNATIVE

SR&ED Tax Credit Monetization
- ALTERNATIVE

PO / CONTRACT Financing - ALTERNATIVE

Sales Royalty Financing
- ALTERNATIVE


Which of those 12 traditional or alternative finance options works for you. Will one or a combination allow you to give the ' thumbs up '
to finance success? Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with balancing proper loan needs and solutions.


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 OPTIONS 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 '


























Tuesday, November 18, 2014

Receivable Finance In Canada : Get Back On Top With Financial Factoring







Looking To Overcome Your Fear Of Receivable Financing & Factoring?





OVERVIEW – Information on receivable finance in Canada . Financial factoring allows business owners/managers to get back on top of cash flow and working capital challenges





A lot of receivable finance in Canada happens via financial factoring. For those business owners and financial managers that aren't fully familiar with this method of Canadian business financing there is that potential element of fear of the unknown. We think some basics, as well as some recommendations are in order, allowing you to get back on top of business financing challenges. Let's dig in.

A world wide revolution is in fact in place on alternative financing methods such as A/R finance - a subset of asset based lending. The real surprise is that companies of all size, from start up to major corporation in fact utilize this method of cash flow/working capital financing.

Factoring is a very ' formulaic ' and is a financial solution linked to the total value of your accounts receivable. Factors such as income statement, debt to equity, and personal collateral have very little to do with approval for this method of finance, which is of course one of the reasons for its popularity. In effect your A/R always covers your ' loan ' amount, although loan is a misnomer as it’s actually a ' cash flow monetization' of your 2nd most liquid asset - Receivables. (Cash is still king at # 1!).

The broad appeal of financial factoring solutions revolves around the fact that cash is immediate on making a sale, if you choose that to be the case. Typical advances are 90%range, and that adds another layer of attractiveness given banks (if you qualify) tend to margin receivables at 75%. Bottom line - more liquidity.

Firms that might be deemed ' higher risk ' by Canadian chartered banks can still almost always secure separate non bank receivable finance solutions.

From the Canadian banks point of view the overall credit worthiness of a customer is what drives lending solutions. These are lower cost almost always, as financial factoring is a more expensive form of financing, but accessible! The bank in fact views receivables and others as ' secondary ' sources of collateral - A/R finance views it as the only source of collateral, therein the difference.

Many Canadian firms are uncomfortable with the traditional form of factoring, which almost always involves notifying your clients of the process and payment. Therefore our recommended solution is CONFIDENTIAL RECEIVABLE FINANCING - here the business bills and collects its own receivables - it’s only your firm that knows how you are financing yourself. A classic MIND YOUR OWN BUSINESS.

Businesses that want to source more capital can consider a non bank asset based lending solution, allowing them to combine inventory and equipment, plus A/R into one total business line of credit.

If you want to overcome the fear of assessing new cash flow financing solutions for your company 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 financing 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 RECEIVABLE 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 '