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.

Web Hosting Options For E-Commerce Businesses

Most people have begun to consider the popularity of E-Commerce businesses nowadays. This is due to the fact that the online world is beginning to expand as time passes by. Furthermore, the market within the World Wide Web is growing at a pace that cannot be matched. Because of the increasing demand for an E-commerce website, here are some elements that must be considered before creating a website for an e-commerce business.Memorable IdentityThe very first element that must be considered is the website’s identity. Most customers would prefer websites that are easy to remember. The domain registration regarding the upcoming website is very vital in this element. With a good choice of domain or URL, an e-commerce website will surely be visited frequently.Perfect Host or Server The second thing that most people consider is their website host. Web hosting is very important in creating any kind of website since it affects both the capital, layout, features, and expenses of maintaining the site. Nevertheless, most people are given with different kind of hosting for their e-commerce website. There are some developers that choose reseller hosting while some would prefer the cloud hosting for their website. This is very important since the features and efficiency of the e-commerce website would depend upon the kind of hosting that was chosen. With the correct choice regarding the host for an e-commerce website, customers will surely benefit from the features of both the website and the web host.Although a lot of hosting sites were available all over the market, owning a web server is far more preferable for huge companies. Aside from having their own dedicated server, they will also benefit from a more secured connection online while assuring the stability if the server will be maintained appropriately. Still, small or starting businesses will find this very expensive; hence, a host for their e-commerce website suits them more.Trusted Communication and Payment MethodsFor an e-commerce website, electronic communication is very vital. Furthermore, a transaction for a kind of website implies an online transaction. In other words, sending electronic mails will be frequent for such type of website. This is the reason why most people choose an email hosting that is generally trusted when it comes to security and efficiency.A trusted host for an e-mail will surely add more legitimacy for a certain website. Developers must never disregard the fact that most customers desire for private communication since they will be providing private information such address, bank accounts, or credit card numbers. In other words, a trusted e-mail at first glance will affect their trust over the website.With regards to payment or transactions over the website, some people would choose to have a different email for business transaction. In this manner, a business email hosting site is necessary. Such kind of host would allow people to have their email under the extension of their website’s domain. With this kind of email, customers will be ensured that all information they have provided are secured and protected within the well-established website of e-commerce businesses.
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Looking Good – Ladies Golf Clothes

In regards to most sports, looking good while playing the game does not have a great amount of importance attached to it, as most require a uniform. Golf is the exception. Ladies golf clothes have come such a long way over the past several years and because of this we now have the option to be very stylish on the course. I’ve certainly seen ladies on the golf course in outfits that I would enjoy wearing out to a casual dinner and feel pretty good about how I looked.In an article written by Julie Burton called Raising The Bar – Ladies Golf Apparel, she writes “Ladies golf apparel makes a statement that sums up your personality and your confidence.” I think this is very true. When I feel good in my golf clothes, I feel better about being out there on the course and my confidence is higher. Conversely, if the outfit I have chosen is frumpy and dull, I just don’t feel good about myself and therefore lower self esteem and confidence.Although the selection of ladies golf clothes in stores and pro shops is still often meager compared to the men’s selection, it’s getting better every day. However, I’ve found that the best source for finding ladies golf clothes by shopping online. You can find a vast array of ladies golf clothes, and shop for good prices as well. If you type in “ladies golf clothes” or “ladies golf apparel” in whatever search engine you are using, you’ll get numerous results. Findings that will give you a huge assortment of ladies golf clothes from high end to more moderately priced fashions. Another plus is that most of these sites (even the high end ones) will have a section on specials and sale priced items they are running.Manufacturers of ladies golf clothes have done a good job of combining comfort and style. Breathable, moisture wicking fabrics are quick to dry and are incorporated in many styles of ladies golf apparel. These flexible fabrics make it easier to swing the club and pull the moisture away from the skin keeping us dry and comfortable.Versatility is key. From long pants to capris, shorts and the ever popular golf skort we’ve got much to choose from. The fun and unique details applied to ladies golf apparel on the golf shirts of today make them a far cry from the old-fashioned blouses of former times. I also love the colors, from bold to pastels, stripes, plaids, and a continuous variety of prints.In short, my suggestion to you is if you cannot find what you are looking for in retail stores and pro shops check out what’s online. The possibilities are endless.So ladies…let’s go shopping!