SME Commercial Financing Options In Canada Have Not Gone The Way Of The Dodobusiness finance solutions

OVERVIEW – Information on commercial financing options in Canada . Various business finance solutions both alternative and traditional are discussed from a viewpoint of need and applicability

Business finance options have Canadian business owners/financial managers often feeling that commercial financing needs for their business have gone the way of the ‘ Dodo ‘ that rare bird associated with disappearing and finally extinction. Let’s examine finance options that help guarantee survival and success in your business, eliminating that ‘ broken ‘ feeling. Let’s dig in.

The ability of your business to get banks and commercial finance companies ‘on side’ is one key factor in long term success and survival. Those success milestones might be around growing your business, buying a competitor, or simply meeting the challenges of working capital/cash flow finance.

In some cases your firm needs new assets while at the same time experiencing times of challenge. It’s at these times staying in control of your finances and knowing your options is key. Let’s consider some ‘ behind the scenes’ loan and asset monetization options that will provide you with the right balance of debt and ownership.

Many clients we meet have access to some sort of finance power, whether it is traditional or alternative in nature. The problem? It’s not enough! In the mind of the owner/manager the more the business sells the more capital it seems to need.

The common problem in what the experts call the ‘ cash flow gap ‘ is having your sales pick up but being unable to finance inventory and receivables that arise out of those sales. When bank lines of credit are not available due to bank lending requirements alternative solutions such as invoice financing and inventory finance take up the slack. The ability of the owner/manger to know that sales raise cash at the same time allows continued focus on growth/profits.

Probably the most complimentary solution to some of the challenges we have described is the Asset based non bank line of credit. Providing a line of credit that’s based on the total combination of your receivables, inventory and fixed assets becomes a new life line of your business. More often than not it’s the perfect solutions to a cash flow crisis. That same ‘ ABL’ (asset based line of credit’) is often the only solution to a ‘ turnaround’ story when sales have fluctuated and profits disappear. Its asset leverage 101.

The other category of business we haven’t touched on is the ‘ start up ‘. Simply speaking your expectations and needs in finance rarely match those of the bank! business finance

It’s at this time that alternative finance solutions such as factoring, SR&ED tax credit financing, leasing, sale leasebacks, etc make the most sense, notwithstanding their often higher cost of borrowing.

When owners/managers deem the ‘ organic ‘ route to growth is slow the right business finance commercial financing options can help complete the acquisition of a related business or competitor. This minimizes the equity component needed, while helping to guarantee a properly completing transaction.

If you’re looking for those ‘ behind the scenes’ options that come with business success seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can assist you with your required solutions.

7 Park Avenue Financial : 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

Office = 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