Behind The Scenes In Cash Flow Finance Solutions

OVERVIEW – Information on solutions for financing cash flow in Canadian business . Managing working capital is all about assets and solutions


Managing working capital and financing cash flow needs , like other aspects of business , often needs a ‘ fresh look ‘ when it comes to addressing the operating and growth needs. Let’s dig in.

While a surplus in cash might always be the goal the bottom line for the majority of businesses in the SME (small to medium enterprise) sector the actual reality is that it’s a working capital shortage that is more often than not the challenge.

How the business owner / financial manager deals with that can often be the deciding factor as to whether you’re winning or losing n Canadian business.
What business person doesnt relish the thought of putting capital to work to grow more sales and profits, right?

The worst case , of course , in both not managing your working capital, or being unable to access alternative or traditional financing is of course total business failure . While we’re the first to espouse ‘ alternative ‘ business financing solutions we’re also the first to point out that even alternative financing solutions can be extended if your firm is perceived to be in a death spiral.

What then are some of the positive uses of managing working capital and have access to more cash? They include:

Expanding your business into new product or service areas

Being able to take out more funds for shareholders with the expense of a hit to your financials

Improving relations with suppliers and key vendors

Reducing debt and lowering financing costs

How then do owners/ financial managers address cash flow issues? While the most common is a Canadian chartered bank overdraft facility there are numerous other ways to access cash flow and finance assets. They include:

A/R financing

Asset based lines of credit (they monetize receivables, inventory and fixed assets all into one facility

Inventory finance

Tax credit monetization


Sale leaseback

Working capital term loans

While bank financing is the ‘ go to ‘ solutions for almost everyone, ‘ go to’ is often impossible if your firm can’t meet bank criteria for lending.

Remember that with the exception of working capital term loans all the solutions we have referenced simply monetize assets and allow you to cash flow assets, with no new additional debt coming onto the balance sheet.

A/R financing is often the most comment and logical solution to working capital finance. That’s because next to actual cash on hand that you have in the bank it’s the closest asset to cash that you have!

Our recommended solution to clients in this area is the CONFIDENTIAL RECEIVABLE FINANCING solutions. It allows you to bill and collect your own accounts and receive advances of 90% of all sales you generate into your business ledgers. And by the way, its your call as owner or manager to access how much you need and when ; similar to a bank facility you of courser only pay for what you are using , so it makes more sense than ever to manage your receivables efficiently .

If you’re looking for that ‘ new way ‘ to address the problem of accessing cash to run your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can take you behind the scenes in real world finance solutions.

Author: Stan Prokop – founder of 7 Park Avenue Financial

Originating business financing for Canadian companies, specializing in working capital, cash flow, and asset based financing. In business 10 years – has completed in excess of $90 Million of financing for Canadian corporations. Core competencies include receivables financing, asset based lending, working capital, equipment finance, franchise finance and tax credit financing.
Info re: Canadian business financing & contact details:


Greg LaBella
7 Park Avenue Financial
Off.   905 829 2653

Cell   905 302 4171


7 Park Avenue Financial
Canadian Business Financing