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.

Affordable Online Nutrition Degree Schools

Online Nutrition Schools – Helping you Become a Qualified NutritionistToday people are more interested in pursuing careers in fields which are less traditional and more interacting, therefore you will find tons of people heading towards careers in the human services sector, nursing and psychology industry etc.The nutritional field of study has also sparked much speculation among people and has become one of the most flourishing career path for people in the 21st century. With millions around the world encountering health related issues, the need for professionals in the nutritional sciences has doubled over the years.With the effect hundreds of colleges and universities in the US have started offering not only traditional degree options for them but also distance learning opportunities. For all those of you interested in visiting online nutrition schools in the US but have no idea about which are the school which are in demand and get you the best education.You can take into consideration the following nutrition schools which may help you lead a successful career in the nutritional field of study.Kaplan UniversityKaplan University is a privately run institute in Iowa which is accredited by The Higher Learning Commission. This university conducts both online and on-campus learning modes and offers various nutrition degrees. The university has campuses in other states as well and has been listed among the notable online nutrition schools. Kaplan University offers you the following programs in nutrition.
BS in Nutrition Science
Ashworth CollegeAshworth College helps you advance towards a career with the convenient and affordable online education it offers. This school offers a diploma program which trains you to help others lead a healthy live. This college follows a fully online format of education and also offers all lectures and material to students online.
Career Diploma in Nutrition, Diet & Health Sciences
University of BridgeportEstablished in 1927 this university today operates as a private coeducational educational body. University of Bridgeport has been a leader in providing innovative opportunities to all and therefore has been one of the premier online nutrition schools in the country. It currently offers the following nutrition program.
MS in Human Nutrition
University of Massachusetts – AmherstUniversity of Massachusetts – Amherst functions as the largest public university in New England. The university has promoted healthy living in many ways and has been over the years consistently ranked among the notable online nutrition schools and today offers the following degree options for people.
Master of Public Health in Nutrition
ConclusionAll the schools mentioned here are all accredited and may turn out to be the perfect option for you to pursue a degree in nutrition. If you do not find any of these online nutrition schools matching your needs then before searching for another school always make a check if it is regionally accredited.

Small Business Management Tips

Management for small businesses calls for proper training. With this realization in mind, there are many business management schools and colleges that have been set up all around the United States. A close analysis in the entrepreneurship world shows the majority of the ventures in the market are small and medium sized enterprises. Most of them have survived on the strength of proper knowledge of management.Training on management requires to capture the sociological, psychological, management and economic factors. Learners need to be encouraged to be broad minded if the enterprises they are to set up are to survive competition and constantly changing market trends. The notion that highly paying jobs are only available in big corporations should be scraped off from the mind of up coming and potential business people. In any case, the economy of America is greatly dependent on the upcoming small and medium enterprises. The government has even gone out of the way to boost these ventures.Management courses should explore the nature of small enterprises, their scope or boundary, the skills they require as well as technology and the knowledge required therein. Management of finances should form the core of these courses. Research shows that many small enterprises are driven out of operation due to poor balance between inflows and out flows.Other management skills that need to be taught in colleges include accounting and book-keeping, time management, human resource management which is also key in handling the personnel employed in these enterprises. Project management, retail management, data management, office management among others should also be emphasized.
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