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.

Bad credit cash advance services are the only source of money for people having poor credit rating and facing financial difficulties. This is no reason, however, for you to let some unscrupulous companies exploit you in the name of cash advance services.Bad credit cash advance services is simply an expression used to better define payday loan services. Cash advance loans or payday loans are the only ray of hope for thousands of people who suffer from poor credit scores for one reason or another. That’s because no credit checks are carried out on the people applying to avail these loans or services. Also, it’s a misleading notion that people who have suffered a bankruptcy are ineligible for any kind of loan. Past bankruptcy is no impediment for a person looking to avail bad credit cash advance services. However, you can’t apply for cash advance loans while you are going through a bankruptcy. The idea of conveniently getting a cash loan or payday loan despite bad credit does sound wonderful. However, some unscrupulous companies looking to fleece people use this very lure of easy loans as bait. Or some companies try to talk naive persons into availing cash advance services involving exorbitant interest rates. You must, therefore, be very careful while signing up for cash advance loans. Here are a few tips that will help you safeguard your interests while applying for bad credit cash advance services.Verification Of Performance:When dealing with a company in person, first contact the Better Business Bureau (BBB) to find out whether there are any complaints registered against that company. Obviously, if there are even a couple of complaints, you should move on to another company, for there is no dearth of companies offering cash advance service. If possible, you may cross check the reputation of the company with people who have already obtained loans from them.Identifying The Fraudulent Online Companies:In case you opt for an online cash advance service, which most people do, you need to be extra careful. Online loans are extremely convenient to obtain and repay. But they also require you to disclose your financial information for online verification. So you run the risk of your financial information getting misused. To apply for an online cash advance, you need to fill in an online application form on the company’s website. It’s easy to identify a fraudulent company’s website. First of all you will find a lot of grammatical errors and spelling mistakes on such sites. Secondly, they tend to offer unrealistically low interest rates and amicable terms to lure people in the name of bad credit cash advance services. Also, some of the unscrupulous websites won’t have a payday loan calculator. The payday loan calculator is a simple program that helps you determine the interest rates, repayment period by providing inputs regarding the amount you need to take as loan etc.To sum it up, if you are looking to avail cash advance services with your bad credit, this doesn’t mean that you lose the right to check the company or company’s terms & conditions. Before signing up with any company, thorough verification and reading the fine print is vital. Otherwise, you may damage your financial matters instead of improving them.
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Sounds crazy to you doesn’t it? Do you find yourself wondering if the guy that wrote that title is a little off in the head? Love your money, love your bank account, love your finances? Who ever heard anything so crazy?Check this out. Are most of the people in the world loving their money these days? Of course, they are not. They are anything but loving their money, right? Is it possible that’s why they don’t have money?Somebody along the line told you to get down when things don’t go right. You know who that somebody is? It’s your friend your mind, that’s who. Your mind tells you get down when things don’t go just exactly as you want them to. And, as things get worse, get more down.Think it through. How do you get up by getting down? How do you get more money? How do you improve your finances? How do you improve your bank account?Here’s your answer. You do it by getting up. To get up, go up.Check this out for yourself. Love is the same energy as positive, success, and abundance. Check it out. How does it feel? Feels right doesn’t it? It feels up, doesn’t it? Of course, it does.Love is goodness. Love is happiness. Love is abundance.The law of the universe is, positive attracts positive.Therefore love your money. Love your bank account. Love your finances.Love them whether you have a little or a lot. Love them in spite of your mind telling you it’s crazy. Love is positive energy. Positive is in the direction of up, right? Love and go up.Love your money, love your finances, love your bank account and they will go up. They will go up because you are up. When you go up, everything goes up. When you’re up, things are looking up.Your mind will try to talk you out of it. Your mind will tell you it’s all just a play on words. You have to decide. Are you going to listen to that mind of yours? How has it worked so far?I’ll tell you how it’s worked. It’s gotten you down. As you have gotten down your money, your bank account, your finances have gotten down, haven’t they?Give love a chance. Give love a chance and see what happens. It’s worth a try isn’t it? It really does make sense, doesn’t it?Whatever your bank balance, whatever your pocketbook, whatever your cash flow, love them and love them some more.The way up is up. Love your money and watch what happens.