Tired Of Falling Down Into The Worry Hole In Cash Flow Financing Alternatives business finance funding and strategy

OVERVIEW – Information on cash flow financing solutions and strategies in Canada. The need for for working capital is a key part of your business finance success strategy.


Business finance , and in particular your cash flow financing needs requires a strategy. Many owners/ financial managers in the SME (small to medium enterprise) commercial sector find themselves constantly falling down into the ‘ worry hole ‘ in this aspect of their business. Tired of falling into that hole? Let’s dig in.

While the phrase ‘ cash is king ‘ is sometimes a bit of a cliché suffice to say it’s difficult to pay suppliers, employees with promises. The extreme event of poor cash flow is of course business failure. So your ability to view your access to cash flow solutions as the ‘ lubricant ‘ that keeps your business running is in fact key. Many businesses that are asset rich find themselves in bankruptcy with assets sold for pennies on the dollar due to the fact that the business was unable to meet their cash obligations.

So when it comes to avoiding falling into that ‘ worry hole’ we’ve talked about it’s a combination of managing your cash and accessing financial solutions that make sense for your industry.

What is the difference then in firms that are successful in this area of their business? Clearly it’s about anticipating what your cash flow position will be and knowing what solutions are available.

While the solutions of:financing a business
Bank credit lines

Non bank credit lines

A/R Financing

Inventory Finance

PO Financing

Tax Credit Finance

Working capital term loans

are the solutions to your problems it’s really all about knowing when you need these solutions and knowing which ones you qualify for relative to your particular situation.

How does the business address the cash flow needs? The options are quite simple:

Take on some form of new debt

Delay payables

Monetize assets – finance your A/R and inventory, refinance your fixed assets

Reduce cash outflow spending

Increase sales and asset turnover

The constant monitoring of those options is the essence of cash flow 101.
Simple cash flow budgets, done properly and conservatively will always help in identifying future cash flow needs.

The challenge in budgeting your cash flow and anticipating your finance needs often revolve around your business receivables. Typically these flows of cash are irregular in nature due to your sales volatility and customer payment habits. This is where solid credit extension policies and good collection practices are key.

Many businesses that can’t qualify for traditional financing are seeking alternative finance solutions such as A/R Finance. These solutions monetize your sales as soon as you create a sale. The waiting is eliminated and typically comes at a cost of 1-2% of your invoice – for example a 10,000.00 invoice , financed under a factoring solutions would cost you 200$. Effective A/R management, as well as good use of the funds you receive from financing your receivables can be a solid interim solution for your cash flow needs.

All industries have different cash flow needs. If you’re looking to eliminate that fall into the ‘ worry hole’ of a constant cash flow crisis seek out and speak to a 7 PARK AVENUE FINANCIAL = CANADIAN BUSINESS CASH FLOW FINANCING EXPERTISE who can assist you with business finance solutions appropriate to your firm .

7 Park Avenue Financial :
http://www.7parkavenuefinancial.com Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 – Completed in excess of 100 Million $ of financing for Canadian corporations . Info /Contact :


7 Park Avenue Financial

South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8

Direct Line
= 905 302 4171

= 905 829 2653


‘ Canadian Business Financing With The Intelligent Use Of Experience ‘

Stan has had a successful career with some of the world’s largest and most successful corporations.
Prior to founding 7 Park Avenue Financial in 2004 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 ) He is an expert in Canadian Business Financing.

Stan has over 40 years of business and finance executive experience. He has been recognized as a credit/financial executive for three of the largest technology companies in the world; Hewlett-Packard, Digital Equipment and Cable & Wireless. Stan has had in depth, hands on experience in assessing and evaluating thousands of companies that are seeking financing and expansion. He has been instrumental in helping many companies progress through every phase of financing, mergers & acquisitions, sales and marketing and human resources. Stan has worked with startups and public corporations and has many times established the financial wherewithal of organizations before approving millions of dollars of financing facilities and instruments on behalf of his employers.

7 Park Avenue Financial
Canadian Business Financing