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.

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.

Exciting Careers in Fashion

Fashion has a rippling effect on people from different walks of life. It gradually gains popularity among different strata of society. To help fashion reach out to the consumers, a large number of professionals are needed. Apart from fashion designing, you can find a number of exciting jobs related to fashion.If you are not into designing but still want to remain connected with fashion, you can perform other job duties such as Fashion marketing/ merchandising/buying and forecasting in context of every kind of wear be it the sophisticated haute-couture, ready-to-wear or for the mass market and street wear.Basically, the fashion and the retail industry at large works as team where fashion advisors, buyers, forecasters, merchandisers and marketers, fashion designers play their part well and keep the industry going. If you love fashion and want to be related to this field professionally, you can take up jobs such as that of marketing/ merchandising/buying and forecasting in this field. These jobs enable you to execute functions that help designers to sell their collections. As a buyer you have to perform a number of functions such as that of a fashion buying. You’ll be entrusted with the job of buying raw material/accessories for fashion houses, buying houses, export houses and retail line. For this you need to have a superior knowledge about the new trends that are likely to hit the market and probably which will fetch a large number of consumers. Fashion Marketing is basically concerned with making fashion reach out to maximum number of consumers and assisting fashion designers, retail stores to make fashion accessible to the target customers. You have to work with fashion designers, suppliers and also at the manufacturing level in order to even the process that precedes fashion designing.You can also be highly involved in fashion by running a retail store. If you have knowledge about fashion and how the industry operates, you can open a retail store. Alternatively, if you are not too keen on entrepreneurship you can take up jobs as retail managers/executives in fashion houses and retail stores.Fashion Forecasting is another area where you can exhibit your love for fashion and work in the industry. As the name suggests, the job includes predicting fashion trends, the colours which will be popular in a particular a season or a year and the styles that are likely to become rage over a particular period of time. The designer takes cue from the trends predicted by forecasters and then decides upon the styles, fabrics, colours for the clothes line they want to launch and the clothes they want to design for creating a collection pertaining to a particular season. Analysing and evaluating new trends is necessary and designers/ retail houses depend a lot on extensive market research which forecasters make. The job may require you to travel extensively to get a peek into different markets in different geographical areas. You have to forecast the new colours which will become trend in the upcoming season, the new styles and trends that will become popular.