Business Cash Flow Challenges : The Case For An AR Factor

Always Business Cash Flow Challenged? Here’s Why And One Solution


OVERVIEW – Information on business cash flow solutions in Canada . How does the role of the AR factor contribute to a positive cash flow and working capital financing balance


Business cash flow pretty well always comes with challenges. The A/R factor has emerged as a solid solution that has stayed constant through turbulent and normal times. What then are the benefits of such solutions, which type is best, and just how do things work? Let's dig in.

In business it's all about performance and the ability to generate cash flow and working capital from A/R financing can be a solid contributor to that performance.

Why does a business owner/manager choose an ' AR FACTOR’ more traditional Canadian chartered bank financing? The process seems simple enough once we explain it to clients - it’s the ability of your company to generate immediate cash against your sales. This can happen, at your choice, periodically, i.e. weekly, monthly, etc, or constantly... ie all the time!

It should be no secret that the primary ' collateral' of this method of Canadian business financing is your actual accounts receivable. Bank lending, in contrast, relies on that same collateral, but places a very large amount of emphasis on historical and present profits, clean balance sheets, and business and personal collateral. Suffice to say that that latter combination provides a strong safety net for our Canadian banks.

Utilizing an AR factor in Canada is almost always a short term or intermediate solution to a growing company, or one has faced and is fixing some challenges. Using Europe as example top experts tell us that anywhere from 15-30% of all businesses in the SME sector (small to medium enterprise) have used A/R financing solutions as offered by commercial finance firms. Those same experts also draw a very clear conclusion that financing A/R outside of the bank plays a large role in economic development.

Cash flow that is generated from an A/R factor solution is used for a variety of reasons - it’s ' asset monetization' and is not term debt of any sort. For that reason the business owner/manager has the flexibility to use funds for immediate needs primarily related to growth and operations. Think of it as a ' buffer ' to ongoing working capital requirements.

So why don't more business access business cash flow via A/R financing. Studies tell us that one major reason is Canadian business simply doesn't know about this solution. They also tell us that there are key misconceptions around what type of company is using these methods. It might surprise many business owners/managers that the largest and most well known of corporation’s access this same financing vehicle... in certain cases the Bay street gang just gives it a fancier name - such as Securitization.

Cost also plays a factor in the adoption of the use of an AR Factor. It's critical to understand also that this method of financing works best in a normal or high growth environment. Companies that are in a downward sales spiral would not benefit from the solution.

Still others feel its complex to administer on a daily basis. While that might be true our recommended client solutions, CONFIDENTIAL RECEIVABLE FINANCING allows for the business to bill, collect and cash flow their sales in a completely confidential manner.

So bottom line, the AR factor solutions is NOT a loan, it’s not a bank overdraft facility, it’s simply a method to cash flow sales on an ongoing basis in an unlimited manner. 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 A/R financing and growth 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 AR FACTOR 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

Sale Leaseback Financing : Changing Your Mind On The Sale Lease back Option

When Time Waits For No Sale Leaseback Financing Might Be the Perfect Alternative to Cash Flow Replenishment !

Information on sale leaseback financing in Canada. The lease back option provides a solid cash flow alternative to working capital and cash flow replenishment








Sale leaseback financing is a solid alternative for Canadian businesses that wish to refinance business assets, or real estate, with a view toward enhancing working capital or for generating capital for business needs.

In certain cases it simply might make sense for owners to cash flow some of their business assets for personal needs. But how does the owner/financial manager evaluate the lease back option? Let’s dig in.

While the term ' lease ' is inherent in our subject title we point out to clients that many of these types of transactions can also be accomplished via a bridge loan. Depending on the type and timeframe of the financial need the balance sheet could well reflect a ' bridge loan' versus a lease. The ultimate gain, ' cash flow’, is still the same. Generally speaking a bridge loan is shorter term in nature while a ' lease ' often denotes a multi year payback arrangement at a fixed rate.

Clients of course are always asking us what the financing rates are for a lease back. We hate to on our ' lawyers cap ' and say , well ' one hand ..'

but the real answer here is that the rate on such a transaction boils down to the credit quality of the asset and the business, or a mix thereof.

As important as the ' rate' is in any transaction it's equally important to understand the legal terms and conditions of your transaction, as well as ensuring you and your accountant are on board relative to the tax and accounting treatment of the transaction. A quick example here to consider is that in some cases the sale of the asset to the lender or lessor might actually trigger a tax liability if the asset sold has a much higher price than it's carried in your financials.

A very typical transaction these days is for owners and financial managers to consider the sale leaseback option for additional growth capital. If the business can't secure that financing from traditional bank or commercial finance company sources the leaseback options becomes a solid solution.

In some cases it makes perfect sense to consider retiring existing debt that came at a higher interest rate with the proceeds of a sale leaseback transaction. We recently completed a transaction for clients that allowed the sale leaseback to retire debt that was incurred in a management buy out.

Properly structured the lease back or bridge loan strategy can ' fix up ' your balance sheet as it relates to key issues such as debt to equity or current ratios, as well as depreciation that was previously being taken on the asset as an expense.

If time can't wait for your company's needs for cash flow replenishment 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 lease back option that makes sense from all points of view.





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 SALE LEASE BACK 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

Accounts Receivable Lending In Canada : Invoice Factoring Service As Equity And Debt Alternative

Forget Higher Cost Equity Capital : Why Receivable lending Makes Sense

OVERVIEW – Information on accounts receivable lending in Canada provides a strong alternative to long term debt and equity solutions that come at a much higher cost / risk











Accounts receivable lending in Canada as a viable alternative to debt and equity options? You bet, that’s why thousands of firms in Canada have turned to an invoice factoring and financing service as a strong alternative to
taking on long term debt or diluting equity ownership if in fact an equity raise is a viable alternative. Let's dig in.

We have made the assumption that many companies in the SME Commercial sector (small to medium enterprise) could in fact access debt capital or raise equity financing. The reality is that only the smallest percentage of companies in SME could realistically be successful.

When it comes to cash flowing your receivables to grow a business it basically comes down to a traditional or an alternative financing strategy and solution. The traditional ' go to ' is our Canadian chartered banks. However requirements are stiff in the view of many business owners. From the banks perspective they feel a strong financial track record and balance sheets and income statements that reflect profit and success are an absolute pre-requisite.

So let us assume your firm is in fact eligible for debt or equity financing as a growth alternative. (We can dream, can't we?) Equity investors such as venture capital folks,

private equity groups, or even much lower down the scale, angel investors and friends and family can rightfully demand a significant piece of ownership and board direction.

Debt solutions such as term loans, mezzanine financing, mortgages, etc come with fixed repayment obligations and can dramatically change the structure of your balance sheet.

So is there an alternative? As we have noted financing via accounts receivable lending allows you to generate cash flow from sales while avoiding taking on debt. All you are doing is monetizing assets you already have.

An invoice factoring service (Our recommended solution is CONFIDENTIAL RECEIVABLE FINANCING) involves generating cash flow as you create revenue and generate client receivables. While the cost of this financing is higher than bank financing its VERY MUCH lower than diluting equity, and involves no new debt on the balance sheet.

A simple example - Let's say your firm has a 100k invoice you have just generated from a sale or delivery of a service. You would typically receive 90% of this balance the same day you generate a client invoice. The balance is remitted to you directly after you client pays, less a finance charge in the 1.5 -2%. In essence you have generated cash of 98,500$. That immediate cash allows you to operate your business and grow more revenue.

Where businesses go wrong is aligning themselves with an invoice factoring firm that does not meet their needs. The ability to work with a credible firm with clean documentation and a strong record of client satisfaction is key.

Oh and those ' higher costs '. They can almost always be easily offset, sometimes 100% by simply altering your pricing strategy and using new found immediate cash flow to take supplier discounts and negotiate better terms and pricing with vendors.

While an invoice factoring services had in years gone by a certain stigma attached to it the reality is that some of the largest corporations in Canada use this type of financing. And the use of our recommended CONFIDENTIAL A/R FINANCING allows you to bill, collect, and cash flow your busines with no knowledge of any other party such as a supplier or client.

If you want to determine if this type of financing is a strong alternative to growth for your company seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with an accounts receivable lending strategy that matches your company and industry 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 RECEIVABLES LENDING 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

Restaurant Financing In Canada : Don’t Run Out Of Options For Loans For Restaurants

Eliminating the Drama & Stress In Restaurant Financing In Canada

OVERVIEW – Information on restaurant financing options in Canada. Loans for restaurants in the hospitality sector come with challenges without expertise and knowledge of these basics in the hospitality finance sector




Restaurant financing options / choices in Canada often come with a significant amount of stress and drama. Why do loans for restaurants in as successful a sector as Hospitality in Canada come with a significant amount of ' angst' for the borrower , and can those stress factors be successfully eliminated? Let's dig in.

Probably no business segment in Canada is as attractive and appealing as the restaurant sector. That might be either an independently owned operation, or it might also be a part of a successful franchising chain. By the way, we think it’s pretty clear that simply being part of a franchise program is not a greater guarantee of success in financing in the hospitality area, because the majority of the criteria for lending and business success are in fact the same. That's our story and we're sticking to it!

One major factor in restaurant loans is the need for the owner/entrepreneur to have ' financial savvy ‘, with a strong knowledge of costs, profit generation , and the ability to manage assets.

Restaurants often go through various financing needs in stages. Initially there is that start up / turnkey financing that allows for the acquisition of a business. In some cases this can be the purchase of an existing location - with some rebranding or other management skills needed.

As the business starts and grows some level of operating financing is needed. This again becomes a challenge because traditional lenders such as banks view the business as an ' all cash ' business. So why would ' all cash ' businesses require financing. Arguably it’s not the same level of financing required as many other businesses, but there is still an investment in inventory, vendor payables, and payroll and fixed costs. All of these in a fluctuating or seasonal sales environment!

In certain aspects of the economy some business segments are constantly somewhat out of favor. This often pertains to restaurant loans, franchise or independent. Banks will focus significantly on the personal credit history and financial bench strength of the owner. Making matters more complicated is that lenders place significant emphasis on ' experience ‘, so if the purchaser has little or no experience in hospitality finance and operations that becomes an immediate negative.

Restaurant financing options require the same basics in any loan application. That includes a strong executive summary or business plan, owner bio, and industry issues that are properly covered off such as location, revenue potential, etc. A reasonable profit and loss and cash flow is absolutely required.

Actual financing options include the Government small business loan which can be properly tailored to either build a new restaurant or acquire an existing one. That loan typically maxes out at 350k but recent amendments to the program suggest higher limits possible. Specialty franchise finance firms can provide a total solution if the owner is part of a franchise system.

Other options include equipment leasing, working capital term loans, and merchant advance financing - the latter being popular but expensive.

If you are looking to eliminate drama and stress involved in a restaurant loan seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can ensure all options are ' on the table'!




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 RESTAURANT 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

Receivables Finance : What You’re Missing In Business Factoring Companies

Made To Measure A/R Financing – Eliminating Off The Rack Solutions In Receivable Finance

Information on different receivables finance solutions in Canada. AR Business Factoring companies , when used properly, maximize cash flow and enhance growth prospects




Receivables finance in Canada, we think, suggests the analogy of ' made to measure ' versus ' off the rack' when it comes to the short to intermediate term solutions offered by business factoring companies . And the type of solution you choose will be directly related to the benefits. Let's dig in.


Business owners and financial managers very early on realize the importance of access to short term financing for day to day operations and the ability to grow a business. Business cycles in their industry or specifically in their company often force the owner/manager to address shortages of cash. A solution is therefore required - if it’s not a Canadian chartered bank offering then business factoring companies step in to take up that slack

But what are the types, costs and advantages of this method of Canadian business financing? The type of financing you ultimately source needs to deliver on liquidity. The right offering will also allow you to grow your business without always having to consider more ' equity ' or ' long term debt ‘, which dilute ownership or can bring balance sheet risk respectively.

Receivable financing as a cash flow and working capital solutions is sometimes neglected by Canadian businesses if only for the reason that owners don't know it existed or how it works.

Almost all of the receivable financing that is currently taking place in Canada originated , style wise, in the U.S. and even back to Europe, It was a natural way to fill the gap between delivering products and services and waiting to get paid .

When you weigh a business factoring A/R solution it’s a classic case of cost versus benefits. While A/R finance is almost always more expensive it delivers on significant benefits, not the least of which is providing a method for unlimited growth as it relates to ' market power ' of your company.

One reason big corporations get bigger is their ability to demand more time to pay clients, and businesses in the SME sector that might be your clients desperately need trade credit from your company to address their own financial issues. Top experts tell us that A/R receivable financing volumes actually shrunk just after the 2008-2009 world wide credit crunch simply because many businesses stopped growing - i.e. A/R declined.

Canadian banks offer revolving credit facilities based on their terms, so the same cash flow and access to working capital we're talking about comes with the demand of bank credit criteria - those solid balance sheets, profit generation, and collateral and ratio requirements.

Business factoring companies step in with various solutions. Traditionally the only offering available had business factors assuming management and control of your sales invoices, including direct contact with clients.

Our recommend alternative to business owners/managers is CONFIDENTIAL RECEIVABLE FINANCING, allowing a company to reap all the benefits of A/R finance, but being in total control of sales, invoices and collections. Larger corporations can take advantage of securitization, offering the same benefits.

Businesses in Canada can reduce the costs of A/R financing by always coming back to the fundamentals: good credit management, timely invoicing, good follow up, and drawing down on bank lines of credit or business factoring facilities only when they need to.

If you're looking for a ' made to measure ' solution in Accounts Receivable cash flow finance , and want to find out what you might be missing in a business cash flow solution seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success .



Stan Prokop - 7 Park Avenue Financial :

http://www.7parkavenuefinancial.com

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

7 PARK AVENUE FINANCIAL = CANADIAN RECEIVABLE 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

SRED Financing : Everything You Should Know About Expert SR ED Claims Finance

Guess What ? Sred Finance is Easy : SR&ED Credits 101

OVERVIEW – Information on SR ED claims finance in Canada . SRED Financing maximizes cash flow around R&D expenses and provides an innovative way to maximize R&D Capital spend




SR&ED Financing easy? Some clients we meet actually have a tough time buying into the fact that SR ED claims finance is not difficult. The bottom line? We think we can show you 'innovation finance’, i.e. SRED FINANCING is not the challenge you might think it is. Let's dig in.

Any business in Canada that files a SR & ED claim does so, for the most part, to take advantage of the incentive that the Canadian government provides for a refund of a significant part of your research expenses. And in Canada every year that covers thousands of businesses for Billions of dollars.

The actual financing of your claim is more dependant on your firm, what you do, and who you work with as opposed to the good folks that administer and approve claims at Canada Revenue Agency.

So while we can talk ( argue ? ) all day about the merits of the program, its recent changes in the last year or two , simply speaking the onus is on Canadian businesses who choose to participate in the program to maximize and recover their ' spend ' on salaries, applicable overheads , etc. In years gone by machinery and equipment were under that umbrella also but recently legislation changed the equipment component of SR ED credits.

At the hear of the program is the basic premise that claims prepared properly under new rules of claim submission can recover funds via applications submitted by Canadian private companies and even proprietorships. (Most companies that file and finance SR&ED claims though are clearly private incorporated entities.

Most people don't realize that the program has been ongoing since way back into the mid '80. Clients we meet who are now taking advantage of the program and heard about it late... well sorry about that.

While the SRED program has changed and been tweaked over the years we point out to clients that SR ED claims finance has in fact not changed. Yes of course a bit more scrutiny is in place around who prepares your claim (‘ SR&ED CONSULTANTS '

are the folks that prepare and attempt to maximize your claim ) SRED financing has in fact gotten more competitive and creative .

The actual tax credit itself is a refundable claim, not a ' grant ' .So as such your claim in effect becomes a legitimate ' account receivable ' of your business, with the client around that receivable being fairly credit worthy - i.e. the Canadian government .

How then are claims financed and what are some recent innovations in financing SR&ED. Typically your claims are financed at 70% loan to value and the actual financing is structured as a bridge loan with no payments .When you claim is " finally ' approved by the government you receive the final 30% of those funds , less financing costs . The benefit is clear - you have ' cash flowed' your R&D capital investment.

And oh yes, those recent changes in innovating finance around SR&ED? Many claims that have good track record in the past can now receive financing prior to filing your claim.

If you are looking to ' fast track ' and cash flow your investment in R&D 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 SR ED claims finance strategies and funding that make sense.





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 CLAIMS 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

Government Loans For Business : Your Reboot On SBL Canada Government Loans

7 Ways To Get On Track With The Canadian SBL Government Loan Program

Information on government loans for business in Canada. SBL Canada loans provide an effective financing vehicle for start up and businesses that have revenues less than 5 Million dollars









Government loans for business in Canada are getting a ' reboot' via some dramatic changes to the program. So SBL Canada (‘small business loan') financing requires some attention from the owner / entrepreneur seeking this type of financing. We’re covering off 7 ‘must knows’. Let's dig in.

We'll step back a minute and recap the landscape for this type of finance. The program specifically is mandated under ' INDUSTRY CANADA' and while the loan has ' the feel ' of government financing the reality is that the actual loan is approved, funded , and administered by our Canadian chartered banks . The two key asset categories are ' fixed assets’, i.e. equipment and real estate, as well as ' leaseholds'.

What the business owner needs to understand therefore is what the program does not financing, and that is items such as inventory, working capital, intangibles, etc.

While the loan assumes you will have some money invested in the business typically this amount is much less than you would require in normal borrowing circumstance.

Simply speaking the overall loan package must reflect some reasonable chances of the loans being repaid. That typically is achieved by a strong business plan that reflects some good owner business experience.

The true beauty of the program also lies in the fact that no outside collateral is required under this method of financing. By the way the current financing limit for the program is $350,000.00 although recent changes suggest higher financing amounts can be approved under the right criteria. New or existing business must have annual real or projected revenues under 5 Million $.

If there's one problem we have noted specifically with the program it's that each of the banks take a different stab at interpreting how they will run the program. While uniformity is desired, unfortunately it doesn't exist. That's our story and we're sticking to it!

For true success in the program it’s all about your loan package, and it’s absolutely not as onerous as you think. In fact with the help of a trusted, credible and experienced Canadian business Financing Advisor with a track record of success that package can be put together in a couple days. Key elements of the package include owner bio, and being able to demonstrate a good personal credit history. Entrepreneurs who have been credit challenged in the past will have a major problem in getting approved.

The actual business plan or executive summary should profile the business and include a solid cash flow plan and revenue forecast. Supplemental info to help the loan get approved might be copies of any client contracts, your articles of incorporation (proprietorships are ok also), and a copy of your commercial premises lease. You also clearly want to demonstrate the use of the funds, which is typically done via invoices or quotes from your vendors/suppliers.

There you have it. A quick recap required?

1. Understand what the program is and is not
2. Ensure you know what the program actually finances
3. Know that 100% financing is not available under the SBL, and that some owner equity will be required
4. Have a business plan or exec. Summary that highlights your loan request
5. Understand the application process
6. Consider using an experienced business advisor who can fast track your loan
7. Be able to demonstrate your experience and personal financial history


Getting ' on track' with SBL loans in Canada is a solid way to start and grow a business.






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 SBL SMALL BUSINESS GOVERNMENT 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