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.

Ecommerce Web Hosting Services

Ecommerce is also known as electronic commerce, a term that is now synonymous with any business offering their products catalogs and cyber shops to the online world. These online companies are now conducting their online ecommerce business round-the-clock using the highly professional marketing tools and services provided by Ecommerce hosting solutions.As more shops are being created online every day, the need of the professional top level Ecommerce web hosting solutions is on the rise. With these Ecommerce hosting solutions, the responsibility of the Ecommerce hosting services also grows.A reputable and capable Ecommerce web hosting service ably protects these Ecommerce websites. It provides almost cent percent or even 100% uptime guarantee to give stable uptime Ecommerce hosting service to all the small and large companies hosted on its servers at all times.Ecommerce web hosting service plans offered by the quality hosting companies have made it possible for all the businesses all over the world to concentrate just on their online marketing. The Ecommerce hosting service takes care of the technical and security aspects of these Ecommerce website management.While shopping online, the major concern of the buyers and the merchants on the internet is the security of their credit card details. Ecommerce web hosting services enables secure sales transactions 24 hours a day, 7 days a week, and 365 days a year without stopping. Try that for your off-line sales efforts!The wonderful whole world market is now at your expert fingertips to do business without any stoppage. Reputable Ecommerce hosting services provides your business this worldwide reach and complete protection ably with their completely secure servers and top quality service.The greatest commercial and online marketplace websites like the Amazon and EBay are effectively using the secure E-commerce web hosting solutions for their successful day-to-day business management. This proves the success of the Ecommerce enabled websites in doing roaring online business round-the-clock.Ecommerce is a wonder of the modern web technology, and Ecommerce web hosting services are making it possible for all the merchants to trade their products on the vast internet successfully. Internet is a great marketplace and it presents enough opportunities for all small and large businesses to do their day-to-day business effectively.To help all these merchants interact with their visitors and buyers, the Ecommerce hosting services are providing them every tool that can help their business.Let’s now check the different services provided by these reputable Ecommerce hosting services:
24x7x365 service and support to all the merchants and even to all their customers
Live chat or e-mail service to resolve all issues, particularly in the early setup stages, and after that, at all times
Full automation with comprehensive web stats package – Offering you range of packages to select the best Ecommerce tools including latest detailed statistics at your fingertips that allows you to keep the flow of your business easily under your control
Shopping cart software that helps your customers to buy with ease
Regular database backups assuring you the restoration of the Ecommerce website if the need arises
Upgrading to the higher and better Ecommerce-related or web hosting package-related plans as the business grows
Security – Updated secure server, latest anti-virus, and overall website security to keep the hackers away from your personal identity and credit cards’ details.
Support for the various add-on scripts and server-side programming that you may need for your Ecommerce website
Instant I P address resolution and instant switchover to operational status with backup server during the master server failure or stoppage for website maintenance. This allows your Ecommerce website to seamlessly continue and be reachable by all your customers at all times
Help you securely integrate the best payment gateway programs and backed with complete security support.
You will still need more information ably supported with relevant graphics to understand the hosting plans, especially the Ecommerce web hosting plans for your Ecommerce website, and complete details about how these marketing tools work.With this knowledge applied to your growing business website, it will enable you to overcome your competition, reach greater financial success, become popular and reach wider horizons in the online business world. A professional and reputable Ecommerce web hosting service will easily help your customers and your online business to grow quickly on the internet.

Common Skin Care Mistakes

No-one wants to have dull and lifeless skin, which is why some of us spend all kinds of money on skin care products meant to keep our skin soft and youthful. Although many of these skin care products do actually do what they’re supposed to, the reason many people are unhappy with the results they receive from their skin care product is because the unknowingly fall into many of the common misconceptions of skin care.The best way to take care of your skin is to understand what you skin needs, what it doesn’t need. Take a look at some of these more common misconceptions about skin care, see if you need to tweak your skin care routine.1. Too Much ProductMore is better right? Actually, no it isn’t. Using too much of any kind of skin product isn’t good for the skin. Using too much of an acne treatment, for instance can lead to more severe breakouts, and too much of an eye gel can irritate and burn eyes. Most skin care products absorb directly into the skin, spreading to the affected area, so you really only need a little bit. Body lotions are a little different in the sense that they’re going over the whole body, but you still don’t need a lot, just enough the cover the areas you want without leaving excess on the skin.2. Not Wearing Sun BlockThe sun’s harmful UV rays are the number one cause of wrinkles and sun spots as well as skin cancer. Forgetting to wear a sun screen with an SPF of 40 or higher protects you from sunburn, sun poisoning, wrinkles, and other complications the sun can cause. Remember to re-apply your sun block every one to two hours even if it’s waterproof, as the SPF starts to break down as soon as it touches moisture leaving you unprotected. A good pair of sunglasses is also good to have when out in the sun for a long period of time so to protect the fragile eyes from harsh rays.3. Using The First Product You SeeOne of the biggest mistakes that one can do when it comes to taking care of their skin, is just picking up the first product you see without checking its ingredients. I cannot stress enough how important it is to fully read a skin care products ingredients to see if there is any harsh chemicals. Things like Potassium Hydroxide, SLS/SLES and Parabens are considered to be some of the most common and most harmful chemicals in the skin care world. These substances are known to cause irritation to the skin, burning, inflammation and in some cases they have been linked to cancer.4. Not Being ConsistentIf you apply a wrinkle cream or a moisturizer every couple days, then don’t expect to be blown away with the results. In order for any skin care product to be effective, you must stay on top of its use. If the product says “USE EVERY MORNING AND NIGHT” do exactly that. If you want results from your product, figure out a way to work it into your daily routine of things. A basic skin care regimen should only take about five to seven minutes out of your schedule. A good method for apply any skin care product is right after a shower, as the pores are open and can more easily absorb a product, making it more effective.5. H2OWater is the one constant need other than food that all life on this planet needs. We need water to properly regulate our metabolism, give us energy and to flush the body of wastes. Drinking plenty of water everyday helps to flush out toxins, dirt, and bacteria from the skin that would otherwise cause the skin to look dull and weathered. Start drinking more water and I promise you’ll see a noticeable change in the coming weeks.So, now that you can properly identify some of the things your skin needs and doesn’t need, you should be able to effectively tweak are start your skin care routine for the healthiest and youngest looking skin around. The best things come from nature, so try and stick with all natural skin care products trust me your skin will thank you. Shield yourself from the sun as best as you can, and be as consistent as possible with your regimen. Lastly don’t forget to keep water with you at all times and drink, drink, drink, it can’t hurt. Remember these tips and you’ll be on your way to the best looking skin around.