Business capital requirements in Canada often boil down to some basic truths the business owner/financial mgr/entrepreneur needs to address when it comes to financing for businesses.

One of those truths? Knowing the true state of their financial condition and what financing they do and don’t qualify for when it comes to meeting commercial lending requirements in Canadian business.

Business Loans In Canada

Whether you are smaller or start-up firm looking for information on how to get a business loan or a larger established firm looking for growth financing or acquisition opportunities we’re highlighting 3 mistakes that commercial loan seekers like your company need to avoid making when addressing, sourcing and negotiating your cash flow / working capital and commercial financing needs.

1. Understand the true condition of your company finances – These are almost always successful addressed when you spend time on your financials and understand how your financial statements reflect your access to commercial loans & business credit in general

2. Ensure you have a plan in place for sales growth and financial needs as it relates to commercial financing

3. Understand that actual hard facts about cash flow which is, of course, the lifeblood of your company

Can you honestly answer or feel positive about all those 3 points. If so, pass Go and collect $ 100.00!

A good way to address your company’s finance plans is to ensure you understand growth finance solutions, as well as how to manage in a downturn – i.e. not growing, losing money, etc; It’s never fun to fund yourself in an economic or industry downturn such as the COVID pandemic of 2020!

When we talk to clients of new or established businesses it seems they are almost always talking about sales, so the ability to understand and focus on the differences in their profits and cash fluctuations is key.

How do cash flow and sales plans and projections affect the type of financing you require? For one thing sales growth usually starts out by consuming your cash, not generating it. A poor finance plan will drag your business down and addressing financing simply gets tougher and tougher.

Three basics always emerge when it comes to your search for the right business capital and financing.

1. The amount of financing you need

2. The type of financing (debt/cash flow/asset monetization) The business loan interest rate will be dramatically affected by whether you choose traditional or alternative financing solutions. Private business loans in Canada come from non regulated commercial finance companies most often known as ‘ alternative lenders ‘. These lenders are typically highly specialized in one ‘ niche ‘ of business financing and may be Canadian firms or branches of U.S. banks and non-bank lenders

3. How the financing is structured to be manageable with your day to day operations

What Finance Company In Canada Can Meet Your Borrowing Needs & Why Is Capital Important In Business

Let’s identify and break down key financings your firm should know about and understand if they are applicable and achievable to your business. They include:

A/R Financing / Factoring / Confidential Receivable Finance

Inventory finance / floor planning / retail inventory

Working Capital term loans

Unsecured cash flow loans

Merchant working capital loans/advances – these loans are geared toward short term cash needs and are typically one year in duration. Loan amounts are typically 15-20% of your annual sales revenues.

Royalty finance

Asset based non bank business lines of credit

Tax credit financing (SR&ED bridge loans)

Equipment Leasing / Sale leasebacks – Equipment financing in Canada is used by almost 80% of all companies looking to acquire new, and used, assets.

Govt Guaranteed Small Business Loan program – Government Loans in Canada are sometimes referred to as ‘ SBL’, aka Note: BDC Finance solutions are available from this Canadian non-bricks and morter crown corporation. A small business loan via the government-guaranteed loan program comes with true flexibility around term loan duration, market rates, no pre payment penalties, and of course the low personal guarantee that is required by borrowers. These two ‘ government ‘ loan solutions are often perfect for financing a new business.

If you’re focused on not making mistakes in your business finance needs and want to capitalize on the solutions your competitors are probably already using seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow and commercial financing needs.

Stan has had a successful career with some of the world’s largest and most successful corporations.

His employers over the last 25 years were, ASHLAND OIL, ( 1977-1980) DIGITAL EQUIPMENT CORPORATION, ( 1980-1990) ) CABLE & WIRELESS PLC,( 1991 -1993) ) AND HEWLETT PACKARD ( 1994-2004 ) In 2004 Stan founded 7 PARK AVENUE FINANCIAL – He is an expert in Canadian Business Financing.

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With everything going green these days, natural skin care has never been more popular. Skin care companies are adding natural based products to their product offerings. Most any beauty store you pass has natural skin care products in the window. However, true natural skin care is more than using just natural products or homemade skin care remedies. It is a lifestyle routine.Natural skin care is natural beauty and vice versa. However, it is affected by more than what you put on your skin and if that product is natural. Practicing natural skin care involves a lifestyle that practices healthy habits all the time. If you eat a poor diet, never exercise and smoke, then there is not product natural or otherwise that is going to keep your skin young and healthy. The most important factor for maintaining a beautiful complexion starts from the inside. In other words, natural beauty is more than skin deep.Six Factors That Can Influence the Way Your Skin Looks
Diet: What you put. It is just as important as any product you could put on your skin. A balanced diet rich in vegetables and fruits, low in sugar, low in bad fats, rich in calcium and plenty of water, will do more to keep you a natural beauty than any store bought product.

Physical Activity and Proper Sleep: Exercise is great for the skin. It promotes good blood flow to the dermis and brings more oxygen to the skin. On the flip side, getting enough sleep is just as necessary for beautiful skin especially as we age. An average adult should get 8 to 9 hours of sleep when possible.

Environment: The outside and inside environment in which you spend your days can affect your skin in many ways. The sun being the most obvious. UVA/UVB rays can do lots of damage to our skin down to the deeper collagen layers. With all the great sun protection choices available, there is no reason not to protect your skin. Wind can dry and chap your skin and smog can leave a thin layer of dirt on your skin; so make sure you moisturize and keep your skin clean. Even air-conditioning and heating can affect the health of your skin.

Heredity: Great skin or skin problems can run in the family. If you get a beautiful complexion from your grandmother, don’t take it for granted. Your skin will still need proper care. The same goes for skin problems. Do not feel like there is nothing you can do. Following the recommendations here and finding a good skin care system can improve or totally alleviate these problems.

Stress: Avoid stress as much as possible. Too much stress can adversely affect your total health including how your skin looks. Practicing natural skin care includes reducing or eliminating stress from your life.

Medications: Certain medications can affect your skin, sometimes resulting in rashes, dry skin or acne. Always consult your doctor if you are taking medications that seem to be changing your skin. Hormonal medications and some antibiotics are examples.
Other tips for a natural skin care lifestyle are:1. Give your body a dry brush exfoliation.Dry brush exfoliation removes dead skin cells and helps to detoxify your skin. Dry brushing also improves lymph and blood circulation. The gentle brushing is also relaxing for your nerves and can help decrease puffiness.2. Try to avoid sugar overload in your diet.Eating sugar is considered one of the major causes of premature aging. Too much sugar in the bloodstream can cause a process to happen known as glycation. Glycation is when a glucose (sugar) molecule attaches to a protein molecule. When this happens, the protein molecule is damaged and a new molecule is formed and is called advanced glycation end-products or AGE’s. AGE’s damage collagen in the skin, cartilage, and ligaments and causes a loss of elasticity. This causes sagging and wrinkles.3. Keep things moving.A sluggish circulation affects your skin by leaving it starved for nutrients. Inactivity can leave you bloated, puffy, increase acne, and encourage cellulite. So if you have a job that leaves you sitting all the time, it is very important to use your breaks and get moving. Talk a couple laps around the office. Join a gym. Get outside on the weekends. Good circulation will improve your skin and your whole body.4. Rev Up Your DigestionA good running digestive system is good for your skin and total well being. People with skin problems often suffer from digestive problems like constipation or an imbalance of good and bad bacteria.To rev up your digestion, try to drink enough water. Water keeps things moving through the colon which is always important. Then make sure to eat enough fiber in your daily diet. In 2002, the National Academy of Sciences Food and Nutrition Board recommended that women, aged 19 to 50 years, need 25 grams of fiber daily and over age 50, 21 grams of fiber. For men, aged 19 to 50 years, 38 grams of fiber is recommended. Men over 50 years, need to include 31 grams of fiber in their diet.To add fiber to your diet, make sure to include whole grain products, cauliflower, apples with skin, nuts and seeds, prunes, bean, legumes and ground flax seed.5. Eat Good FatsGood fats are the essential fatty acids like omega-3 and omega-6. Your body cannot live without these essential fatty acids. EFA’s are needed to make cell membranes, hormones, and other body chemicals. They protect your heart and fight inflammation. EFA’s can help people with dry skin, acne and eczema. Essential fatty acids can be found in cold water fish like salmon or sardines, flaxseed oil, walnut oil, and supplements.A few more steps that you should include in your natural skin care and beauty system are:
Brush your teeth after every meal

Pamper yourself with a weekly facial or steam

Treat yourself to a monthly or more total body treatment

Always protect your skin from the sun and elements

Use natural skin care products

Be happy and confident! A smiling face always shows your inner beauty.
For more skin care advice, please visit Better-Skin-Care.com