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.

Online Business Education – The Truth About Web Site Design For Affiliate Marketing Success

When you have registered as an online affiliate with a merchant, you know that your next step is to start promoting the affiliate product. The promotion campaign is done by generating traffic to your affiliate web page. When you have worked hard to drive traffic to your site, you want to make sure it will convert the visitors into your customers. How do you do that? This article will share some common truth about good web site design for you to make money from your affiliate program.The first thing you have to consider for your web page is ease of access to information. Good site navigation planning, precise location indicators, clear linked text and a well organized structure all contribute to making information easy to find for a wide range of different users.You have to bear in mind that many of your visitors are new internet users thus inexperienced. It may be necessary to include explanations of the things you consider self explanatory. For example, an internet newbie may need an explanation of how to use a drop down menu. The goal here is to make is as easy as possible for people to use your web site. You do not want your visitor to get confused and leave your page causing you to loose your sale.For new or experienced internet marketers, one of the online business educations you will learn is on web site design. The objective of a good web page is to convert the visitors into a customer. We want to minimize any distraction or confusion for the user. In order to do that, it is a good idea to provide explanation for the different tools and menus on your web site. What we want is for the users to be comfortable navigating around our site until a point when they are ready to buy from us.

Natural Skin Care And Beauty – The Steps You Need To Know

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