Business Financing In Canada : Knowing Loan Alternatives Is Preventive Medicine For Your Company

Looking For All Seasons Business Financing ? Kicking The Tires On Loan Alternatives

OVERVIEW – Information on business financing and loan alternatives in Canada . Knowing the ‘ credit box ‘ is key to successful debt and asset monetization financing

Business financing , and loan alternatives, in Canada is either at one time (or constantly!) sought by owners/financial managers. If loan options are not understood chaos can reign supreme. Let's dig in.

Unless you're solely in the retail business cash flow, working capital, and debt alternatives should be on the table. We're constantly amazed at the amount of time new clients have spent chasing down financing in areas they will never qualify for - these might include VC equity, Private Equity, etc.

Not knowing how to obtain loan financing, and more importantly, knowing what finance sources you qualify for are key points to consider. There's a great analogy that Queen Isabella was the first VC, having financed Chris Columbus - and probably without a business plan! Key requirements are that some sort of equity be in place and with products and services that have future cash flow potential.

Private equity groups are on the other hand looking for no early development firms, and typically favor niches in certain industries they are familiar with. Whether it’s a VC or a Private Equity Group prepare for: DILUTION OF OWNERSHIP!

Early stage businesses, including start ups should take advantage, or at least investigate the Government Small business loan option. Getting someone to cover off and guarantee your loan is always difficult, so if the Canadian govt is willing to do that... check it out.

Business owners can be forgiven for not breaking down their financing needs into different loan types - that might be:

Lines of Credit - bank revolving credit facilities / non bank asset based lines of credit (typically these finance receivables and inventory)

Term loans - secured / unsecured cash flow loans

Equipment Leasing

Asset Monetization - tax credit financing, sale leasebacks, etc

In every case the owner / manager needs to understand if they fit into the ' credit box ' that defines any particular loan or asset monetization. Those ' fit factors’ include: length of amortization/ amount borrowed/collateral/personal guarantee requirements/ down payments

Business owners in our observation seem to have a desire to blanket the market with their loan / financing request. This often backfires for the simple reason they don't understand the particular ' niche ' that commercial finance company or bank or alternative lender specializes in.

So can we summarize key aspects to ' all seasons' financing? Key areas to focus on are:

Understanding lender specialties

Ensuring proper documentation is immediately available - i.e. business plans, cash flow forecasts, and owner information

Being prepared and knowing finance alternatives is in fact the ' best preventive medicine ' for your financing needs. Consider seeking out and speaking to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can help you avoid ' tire kicking' in Canadian finance.




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 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

Equipment Financing In Canada - A Mid Term Report Card

The following article was published in the CANADIAN EQUIPMENT FINANCE MAGAZINE magazine - ( SEPT/OCT ISSUE )




Back In The Game

By Stan Prokop

The Canadian Leasing industry continues to take part in a strong upturn with portfolios growing at a strong pace. As the industry came out of the 2008/2009 global financial crisis, the industry has raised its sights on new goals for growth and new market segments. These trends have increased the overall importance and visibility of the industry, as it maintains its 'go to' status in asset financing for companies in virtually every industry.

A variety of financing mechanisms – i.e. going public, private equity, access to securitization facilities, etc., allow the industry to accommodate every need of the Canadian borrower. The ability to syndicate larger transactions or portfolios has allowed numerous players in the industry to seem – you guessed it – larger than they are!

So, what is in effect happening in the industry? In many cases it's a borrowers market as borrowing rates for lenders and lessees are at an all time low. There is some irony in the fact that while the lease finance industry is perceived by business borrowers as a quicker and easier way to finance new or existing assets, the reality is that there are complex issues that independent lessors face everyday.

They include:

• Taxation

• Changes in accounting (the near death of the operating lease)

• Capital structure requirements

• Entry of Canadian chartered banks into various segments that were previously the domain of non-bank lessors (sub-prime automotive, small ticket)

Yet the old adage that 'the more things change the more they stay the same' seems to hold true, and business borrowers – from startups to major corporations – continue to view lease financing as flexible, convenient, easier to obtain with respect to credit approval, and as an alternate credit facility. That data has been in my PowerPoint presentations for 35+ years now!

Certain segments of the market continue to enjoy what can only be called ' astounding' growth. One of those is the automotive and truck sector where small and large borrowers alike are looking to conserve capital, lower fleet costs, and acquire and restructure assets.

Element Financial has enjoyed what can only be termed a meteoric rise in this industry segment, and approaching a market capitalization of $4 billion dollars in only a few years. Simply speaking capital markets are 'user friendly' these days – and market players such as the life insurance companies continue to finance a large part of the industry via securitization facilities.

Technology continues to be a key focus in the industry as firms struggle to integrate front and back office shops and stay on top of leading software and internet trends to deliver service in a timely and cost effective fashion. One other aspect of technology is that captive tech lessors such as HP Financial Services and IBM Credit Corp., deliver billions of dollars of hardware, software, cloud, and SAS solutions annually to the market.

Vendor programs always have, and will no doubt continue to be a mainstay in the industry in Canada. They allow companies with products and services to differentiate themselves from competitors and use financing vehicles such as leasing as a competitive advantage.

In summary the industry continues to put capital to work every day. That 'open for business' attitude satisfies micro, small, mid, and large ticket transactions in almost every industry in Canada. New and existing players alike are truly ‘long and deep’ in the Canadian economy .

Stan Prokop is principal at 7 Park Avenue Financial and specializes in business financing for Canadian firms, such as working capital, cash flow, asset based financing, equipment leasing, franchise finance and Canadian tax credit finance. Founded in 2004, the company has completed in excess of $90 million of financing for Canadian corporations. www.7parkavenuefinancial.com




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 '

Business Refinance : Is Commercial Refinancing Loans And Asset Monetization In Your Cards ?

Could Your Company Benefit From Financial Re-Engineering?

OVERVIEW – Information on the value of commercial refinancing loans in Canada. Financial re-engineering via business refinance solutions can save, and strengthen your company for future growth

Business refinance in Canada might often require some ' financial engineering’. If that is ' in the cards'

for your firm what are the issues that might need to be addressed. What solutions for commercial refinancing loans, new debt, or asset monetization might make the most sense in your particular situation? Let's dig in.

Whether it’s a turnaround situation, or propelling your company to future growth it's all about knowing your finance options.

What then are the objectives of the business owner/ financial manager when it comes to assessing those finance alternatives? They include understanding the amount and type of working capital you need as well as the implications that come with those financing strategies

There are various tools the owner/manager can utilized to analyze why some strategies might work while others might not. It's difficult to undo the wrong financing strategies, and expensive! And by the way, how you mange your assets is equally as important as how you finance them.

Cash flow management is of course key in succeeding business. When owners/managers have a handle on their ' cash flow cycle ' it's almost as if they can visualize how cash is used, and how changes in A/R and inventories and payables affect the inflows and outflows of cash.

Finance re engineering strategies for capital inflows to your business can only be accomplished in really 5 different ways.

Let's take a look at those and determine which strategies might work for your firm.

1.Taking on new debt of a long term nature - This can be achieved via equipment financing , temporary bridge loans, sale lease back strategies , and consideration for working capital term loans . Here it's important to ensure you have the right maturity on any loan and your considerations should be around cost, any risk posed to the business, and the restrictions that some types of debt bring with them - i.e. covenants, personal guarantees, etc.

2. Increasing equity capital - While long term equity is often desirable it also dilutes ownership , and negotiations , discussions, and terms via Angel investors, VC's, and Private Equity Groups can bring in significant capital its often a journey that most businesses can't sustain - let along be worthy of


3. Sales increase working capital - simple as that. What many business owners find out the hard way is that the build up in receivables and inventories increase working capital, they do that by textbook definition only. That investment in receivables and goods decreases cash flow. That's where the prudent management of current assets comes in.


4. Decreasing current assets - It's here the business owner/manager will find the most options around proper financing engineering of their business. They include:

Canadian chartered bank credit lines/term loans

ABL (Asset Based Lending) non bank business lines of credit


Tax credit loans (Primarily SR&ED tax credits)

Sales/Royalty financing

Receivables and/or inventory financing - these are subsets of the Asset based lending solution

5. Selling fixed assets or utilizing a proper sale leaseback strategy

If your company can, or needs to , benefit from a business refinance strategy that make sense for your business/industry seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can ensure its ' in the cards' that a financing re-engineering is around the corner.





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 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 Tax Credits Claim : Reasons To Ensure Financing Eligibility

Time Marches On When It Comes To Your SR&ED Claim – Here’s The Fix On That !


OVERVIEW – Information on financing eligibility for a SRED tax credits claim in Canada . Financing refundable tax credits






A SR&ED tax credits claim is financeable , and in fact financing eligibility allows the business owner/ financial manager to ' stop the clock ' when it comes to closing the wait time to receive cash on you refundable tax credit . There are some solid reasons to ensure you can cut that wait time whether you finance your claim or not, so let's dig in.

For those that utilize the SR ED program to recover their research spend they are quite familiar with the basics of the program:

It's one of the largest, if not THE largest program that supports business in Canada in a very straightforward way - CASH!

Billions are spent on tens of thousands of claimants every year

Major changes in the program occurred in the last few years with the idea of speeding up claims and overall simplification of the program

We're focusing on the financing of SR&ED credits - therefore it's critical that you understand some of the changes that evolved in the last several years. Canada itself has come under attack by business owners and pundits who claim that while billions are spent results in innovations are suspect.




We'll let the armchair quarterbacks

debate that one, we're all for simply letting clients use the program and maximize the claim, and speeding up that cash inflow from the actual credit.











For the approval and financing of claims it’s all about careful completion of the actual documentation under the program. Here the consultants that typically prepare claims focus on the technical uncertainty you attempted to address in your R&D. Qualified consultants know that certain buzzwords can either make or break your claim.

While some claims, often for first timers are in fact audited, requiring more documentation from your firm there are all sorts of govt resources to ensure your claim is approved and refunded.

Aligning yourself with a credible SRED consultant is also key, and that’s also a factor in financing your claim - i.e. the knowledge that it was prepared by a credible party with experience. These days, because of the recent legislation these folks are even required to divulge how much that are charging you to prepare the claim!

How then are claims actually financed? Our opinion is that the financing of the claim is much simpler that preparing one. The claim itself is the main collateral for the loan. Simple business application info on your firm ensures quick financing approval.

Claims are typically financed at 70% of the amt. of the total federal and provincial claim. The remaining 30% is essentially a hold back and is refunded in full when you claim is ultimately funded by the govt. No payments are made for the duration of the loan and financing costs are also deducted from that final funding. Essentially you have cash flowed the loan, it’s as simple as that. Recent innovations in SR&ED financing include the ability to fund your claim prior to filing it, as well as having the potential to fund next years claim... now!

Bottom line? Maximize the tools the govt provides to ensure speedy processing of your claim. And if you want to stop the waiting clock on receiving your refund 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 eligibility of your SRED tax 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 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

Commercial Leasing Companies : Succeeding In The Potential Of Equipment Finance In Canada

Which Of These Would You Pick When It Comes To Lease Financing In Canada ?





OVERVIEW – Information on solutions offered by commercial leasing companies in Canada . Equipment finance is all about knowing your options and wading through the marketing and business jargon

Equipment finance in Canada is all about ' simple ' and ' easy ‘. Why then do some of the issues around solutions via commercial leasing companies mystify clients? We think we know some of the answers. Let's dig in.

Although it’s been around almost forever some of the issues are lease financing constantly evolve. Whether its the recent major change in operating lease finance ( good bye forever dear off balance sheet financing friend !)

or taxation issues our clients can be forgiven for trying to understand which benefits mean the most to them .









Part of the problem also revolves around the marketing and information provided in the highly competitive equipment lease market. Today in Canada solutions abound from captive finance firms attached to mfrs and dealers, independent commercial lease firms that are both Cdn and U.S. owned, as well as Canadian chartered bank solutions offered by their leasing divisions or subsidiaries.

Case in point? Which of these 3 payments would you prefer as a monthly installment on your lease? Let's use a $100,000.00 transaction as an example.

SOLUTION 1 - $ 3133 / MO

SOLUTION 2 - $2640.00 /MO

SOLUTION 3 - $2516 /M0


While most of our clients will say - ‘We will choose the lowest one!" the reality is they are essentially all the same transaction - just structured differently to suit your company's specific needs around cash flow and ultimate use of the equipment.

Let's explain.

Solution 1 is a three year lease to own scenario. Payments are fixed and you're obligated to make 36 equal monthly installments at a specified interest rate. We have used 8% as our example in all calcs.

Solution # 2 is what is known as a bargain purchase options, whereby, mainly to reduce payments during the initial term, the client has the ability at the end of 36 months to refinance the remaining balance, in this case 20%, or to simply pay it out at its option.

Both transaction 1 and 2 have the owner owning the equipment at the end of the lease.

Solution # 3 is our operating lease - coming in at the lowest payment the obligation at the end of the 36 months is to return, purchase, or upgrade or extend the lease according to specific needs of the asset and your firm.

By the way, seasonal or skip payments can also be added into any of the above scenarios, often used to address cash outflow challenges in many companies and industries.


The predictable cash flow in equipment finance is a solid benefit when it comes to cash flow challenges - and more often than not newer or more expensive equipment can be more easily facilitated via the ' low monthly payment ' lease option that matches benefits to useful equipment life . Very important for assets that help generate revenue!

What we have shown is that you have different options according to needs and the inherent flexibility offered by commercial leasing companies. They help the business owner determine the best decision in that ' lease vs. buy’ decision that is required.

Bottom line - While an interest rate and financing cost has to be competitive it's as important to look at the payment and lease structure flexibility. If you're interested in ensuring you have all the options on the table from commercial leasing companies in Canada seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success
who can ensure your equipment finance needs are met .





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 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

Business Finance In Canada : Avoid These Mistakes With Commercial Lenders And Funding Needs

Are You Making This Mistake In Canadian Business Financing ?

OVERVIEW – Information on funding from commercial lenders in Canada . Using the right business finance loan or asset monetization strategy makes or breaks your company – Here’s why and how

Business finance is partly about sourcing the right financing solutions from banks and commercial lenders. Funding via debt, cash flow or asset monetization comes fraught with risk if wrong choices are made. Can you avoid those mistakes? We sure think so. Let's dig in.




Taking on debt in your business has all sorts of connotations - one of them that debt is simply not good -

which absolutely isn't the case if you utilize the right amount of leverage. When debt doesnt assist you in growing sales revenues or profits, while at the same time putting your company at risk... well that's when things become a ' mistake ' quickly.

So are there some reasons for assessing available forms of financing that make sense? You knew there was, one of them being business expansion via new premises, or perhaps entering new markets for your product or services.

But even if your business is generating profits they often are not enough to fund either of those decisions .At that points it makes solid sense to spend some times on cash flows or a business plan to ensure revenues will meet expectations.

Businesses in the SME COMMERCIAL sector can often utilize Federal govt business loans to move into new premises and perform leasehold improvements required to generate sales and profits. Those loans need to be repaid out of cash flow. Leasehold improvements for retail and other commercial concerns are challenging if only because it's tough to assess your real return on investment.

In many instances new equipment or technology need to be acquired. Equipment lease financing is as close to the perfect solution, and when these assets help generate sales and profits the planets are clearly aligned! Lease financing can be structured in a variety of ways, ensuring maximum flexibility re monthly payments, term, etc.

Inventory is often a key component in the search for growth. It can be financed on its own via your bank, or part of an asset based lending solution that focuses on the real value and turnover of your inventories.

We've talked about debt financing, but often the critical need in your business revolves around the cash flow cap that exists because of the need you have to carry inventory and extend credit to clients. This critical area of business is addressed through:

Working capital term loans

Canadian chartered bank lines of credit

A/R Financing (Factoring / Confidential Receivable Finance)
ABL Asset based lines of credit (they merge your A/R, inventory and equipment into one business credit line you can borrow against based on those asset levels)

Interest on cash flow loans, A/R facilities and bank credit lines reduce profits but grow sales - They are the perfect matching financing for cash flow needs

Banks as a general rule utilize a calculation known as ' cash flow coverage ' which in their case is usually a requirement that cash flows cover debt payments by a factor of around 1.5.

Our bottom line? Debt financing should be viewed as an investment in your business, but MUST be done properly. In many cases monetizing assets via cash flow financing is a solid alternative. Other alternative financing vehicles for cash flow include SR&ED tax credit monetization, PO Finance, Sales Royalty financing, etc.

If you want to ensure you're making the ' best choice ' in funding for business finance via commercial lenders and banks seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can help you avoid costly mistakes.



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 FUNDING 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

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 '

Stan Prokop