Friday, June 12, 2015
You've Got Working Capital And Cash Flow Problems � We've Got Canadian Business Financing Financing
It becomes evident at numerous times in a businesses life that some form of outside financing is needed. Let's look at some of the situations that your firm finds ,., or might find itself in and what types of Canadian oriented working capital and cash flow financing business loan solutions are available.Some times the best problem is the worst problem - by that we mean that you are growing and growing quickly. Alternatively many clients we meet are experiencing some sort of challenge - it might be a financial loss in the current or previous year. And most commonly it's a case of financing those current assets, i.e. A/R and inventory to bring in liquidity to the company for normal ongoing operations.Three solutions are available to the Canadian business owner of financial manager. They include taking on more debt (not optimal or often desired),personalized bobblehead, bringing in a partner for additional permanent equity and working capital,customize bobblehead, or, our favorite ' Monetization ' (Back to that one later)If your company is not leveraged,custom bobbleheads, or should we say over leveraged and can handle additional debt that is not necessarily a bad thing. For the majority of firms and industries in Canada a debt to equity ratio of 2 or 3: 1 is generally viewed as acceptable by the people that count. (Banks and other lenders!)Raising private equity for a small to medium sized business is generally difficult and challenging in the Canadian business climate. We've seen numerous clients take the public financing route via a reverse takeover or utilizing a capital pool... our simple observation on that ?... In general things never seem to work out! Let's leave it at that.When studies look at how small and medium size borrowers really do borrow in Canada it probably isn't shocking to our clients that a huge majority of debt comes from credit cards, the BIL Government loan, personal savings of the owner,customized bobbleheads, loans from friends and family,,, ,custom bobblehead, etc . Generally only 35% or so of business in Canada in the SME sector gets the financing they needs from traditional bank financing, due mainly to the requirements that Canadian commercial banks impose on company borrowers and their owners personally. (By the way,personalized bobble heads,Everything You�ve Always Wanted To Know About Placing A Soccer Bet Online, we love Canadian banks... its just that sometimes there is a better way)We mentioned that working capital solutions for cash flow financing can come not from borrowing,personalized bobbleheads, but from monetization of current and fixed assets. That's why be spend a lot of time with clients explaining the different benefits and costs associated with : bank lines of credit,personalized bobblehead, non-bank lines of credit ,personalized bobbleheads, a/r and inventory working capital facilities , true ABL ( asset based lines of credit) facilities , confidential receivable discounting .In additional many previously viewed ' alternative solutions ' are becoming more mainstream everyday. They include purchase order and contract financing,Is Powder Skiing The Sport For You,custom bobblehead, tax credit financing,,, securitization,Choose The Best Sports Handicapping Service, etc.So,custom bobblehead,The Durable Rod Building Materials, do you have a working capital or cash flow financing business loan challenge? Invest some time in real world Canadian solutions. Seek and speak to a trusted,personalized bobble heads, credible and experienced Canadian business financing advisor who can assist you in addressing current and perhaps future financing challenges.
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