Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.

Defeat Cash Advance and Credit Card Debt With Your Tax Return

Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

Hotels Near Disneyland California

Now that you have definitely decided to take the family on a unforgettable trip to Disneyland, you are going to have to find some hotels near Disneyland, California, in order for you to make a good choice as to where you and your family will stay. If you do a search on the Internet, you will find a variety of really good hotels.The Best Western Anaheim Inn is one of the most convenient hotels near the Resort. This hotel is located right across the street from the Magic Kingdom. You will be sure to experience a fantastic vacation and, at the same time, you will be staying in one of the most family-friendly hotels close to the Hotel Resort for families. You will not have to worry about breaking your pocketbook while staying at this hotel.One of the hotels near Disneyland, California, is the Best Western Anaheim Inn is located in the heart of Anaheim and is less than a mile away from the Convention Center. Every room in the hotel features a microwave, mini-fridge, and high speed wireless Internet access. You will get a sense of satisfaction in knowing that you are staying at the Best Western which is the World’s Largest Hotel chain.Be sure that you enquire about their vacation packages. The Park Hopper Tickets as well as other Southern California tours are ready for purchase. A shuttle bus leaves daily from a ¼ block from the hotel’s front door. You can also visit the Hollywood, San Diego Zoo, Universal Studios and SeaWorld. This makes the Best Western Anaheim Inn one of the most versatile of all of the hotels near Disneyland, California.Carousel Inns and SuitesA lot of families come to this area just to experience the sounds and the sights of the great resort. Their location in Anaheim is in the most perfect location because they are literally across the street. This is just another one of the hotels near Disneyland, California.This hotel has been designated as one of the Good Neighbor Hotels. This makes them Californias hit among both business and leisure travelers. This means that you will be able to skip the lines and be able to buy Park Hopper tickets there and get ready to seek out the fun and frivolity that many people experience when they come to the hotel. You will be able to enjoy the evening fireworks display from the rooftop pool or from the comfort of one of the Inn’s many suites that overlook the Disney Resort.You have now completed your Anaheim hotel search. Where are you going to go in order to enjoy fabulous family fun? Why, none other than the Disneyland Resort of course. Where will you stay when you come to visit?There is only one place that will fill you wish list and that is the Howard Johnson Plaza Hotel – another fabulous Anaheim Hotel. The Howard Johnson Plaza Hotel is situated right across from the Matterhorn Mountain on Harbor Boulevard in Disneyland. It is an easy eight minute walk to the Main Gates. The hotel is only four blocks from the Convention Center. You will be able to watch the fireworks display from Castaway Cove at the Howard Johnson Hotel.We look forward to welcoming you to one of the hotels near Disneyland, California.