Here’s Your Clean White Canvas For Canadian Business Financingbusiness financing plan

OVERVIEW – Information on commercial loans and other finance needs in Canada. What the business owner/entrepreneur needs to know about the business financing plan challenge in Canada.

Business financing plan
challenges rarely come with a ‘ clean white canvas’ when it comes to options sought by Canadian business owners/financial managers seeking commercial loans or other forms of finance for their business. Let’s take a ‘ start from scratch’ viewpoint. Let’s dig in.

The reality around the only two options for financing your business (debt or equity) still nevertheless provides numerous subsets of solutions within those two categories. In fact in some cases there are even ‘ hybrids’ of those two financial choices.

So if you could start over in your financing options your understanding of where you business is in the spectrum – i.e. start up, early stage, growth, etc. is critical .Companies can burn through a lot of cash in the start up/r&d phase and those that can are encouraged to take advantage of Canada’s SR&ED program if applicable. By the way, those R&D credits can be easily monetized via a Sr&Ed bridge loan, replenishing that much needed early stage cash flow.

Finance solutions for firms that are not yet profitable can also present a challenge. Although if you do have revenues those sales can be easily monetized via solutions such as A/R financing or inventory finance. Also large sales or contracts from legitimate clients can also be financed via P O / Contract / Sales Royalty finance solutions.

In some cases many Canadian firms focus on North American or overseas clients and markets. In some cases traditional finance solutions such as bank lines of credit or A/R factoring will in those scenarios require some form of credit insurance on your client base.

Debt financings suggest ‘ secured financing’ via hard assets/term loans, etc, while some business owners prefer to ‘ chase ‘ solutions such as ‘ angel investments ‘, reverse takeovers of public companies or ‘ shells’ or the proverbial (and somewhat elusive ‘ venture capitalist ‘).

Let’s not forget the ‘ Government ‘. Along with the SR&ED program that we mentioned there is of course the Government guaranteed Small Business Loan providing financing (maximum 350k) for thousands of businesses in Canada at attractive rates and structures.

Where do many owners / managers requiring SME COMMERCIAL FINANCE solutions miss the point when they try to access traditional financing? One is simply understanding the focus of traditional lenders such as banks. Their focus? Profits and sustainable cash flow! Their fixation with your ability to paying their interest and principal is… focused! When no additional collateral can cover their preoccupation with cash flow and loan servicing it is unlikely you will get bank/traditional financing.

The good news? That ‘ clean white canvas’ we’ve been talking about can deliver other forms of accessible financing – they include:

Non bank Asset based ABL business lines of credit

Lease/sale leaseback / asset bridge loan finance

Working capital solutions including Factoring/Confidential Receivable Financing/Inventory finance

If you’re looking for a ‘ start over’ strategy that works in your business finance needs seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can help you solve the Cdn. business finance conundrum.

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.

Author Stan Prokop

7 Park Avenue Financial
Canadian Business Financing