Working Capital Cash Flow Financing With No Expiration Date For

Canadian Business Solutions For Your Company

Looking For Solutions o ! Creati"ity De#icit $n Your Cash Flow Crunches%
&'E('$EW ) $n#ormation on a"aila*le solutions #or the working capital cash #low
#inancing crunches #aced *y Canadian *usiness owners and #inancial managers
Working capital cash flow financing challenges, we've found. create huge ' Creativity
Deficits ' in the minds of Canadian business owners and financial managers. They tell us
they are constantly looking for a finance solution that doesn't have an ' expiry date !
We're happy to share some of those solutions. "et's dig in.
#f you think when you're watching the business news that only large corporations are
addressing cash #low issues imagine what the $%& Commercial companies in Canada
must address. 'ow does the business conserve cash and arrange financing that is '
evergreen ' in nature ( allowing you to utili)e assets and sales to cash flow your operating
and growth needs.
*usiness people get working capital and cash #low mixed up a lot we have found ( your
day to day working capital is made up of your investment in +,- and inventory and at the
same time recogni)es accounts payable. .oor payables management often destroys key
supplier relationships.
#t's important to use your cash flow for the right types of financing ( you should be
utili)ing e+uipment leases for assets that have a longer economic life.
Don't forget also that existing assets can be refinanced via sale lease*ack strategies,
*ridge loans, or refinancing of any of your company/s commercial real estate ( even -nd
mtges can bring additional capital into your business. 0overnment guaranteed business
loans can help finance leasehold improvements and fixed asset needs ( rates and terms are
excellent ( commensurate with the same financing the ' big boys ' access.
The ultimate short term financing tool for any business is a commercial business credit
line. *anks do that best, and the lowest cost. .roblem ( not every business 1ualifies with
demanding criteria such as high owner net worths, personal guarantees, debt and cash
flow covenants that meet bank standards. While banks have the lowest cost of capital, as
well as ample capital not everyone 1ualifies.
The solution for not 1ualifying at the bank2 The good news is multiple sources of short
term financing exist3
Non *ank asset *ased lines o# credit
$n"entory #inancing
(e#unda*le tax credit #inance loans . S(/ED Credits 0
!1( Financing .We always recommend C&NF$DEN$!L (ECE$'!BLE
F$N!NC$N20 3ere you *ill and collect your own recei"a*les with no noti#ication to
suppliers, clients, etc4 You control cash needs and #low4
-emember also that a company can in4ect 5 permanent working capital 5 via a working
capital term loan4 #t's simply a cash flow with fixed repayment terms. That solution
brings debt onto the balance sheet though, and is very different from ' moneti)ing ' assets
such as +,-, inventory... and e1uipment. 5aturally bank and working capital term lenders
also like to see healthy owner in4ections of capital ( which is not always possible our
clients tell us! The two main criteria for working capital loans are a good cash flow ratio
and reasonable debt,e1uity.
We're always ama)ed at business owners or their managers who are running significant
businesses without proper planning using things such as a simple cash flow forecast. 6ne
famous saying tells us that ' revenue is vanity, profit is sanity, but cash flow is king '!
5ever forget also that it's not 4ust access to the financing solutions we've mentioned that
bring true cash flow success ( you must turn inventories, grant prudent credit.
Those basics will allow you to foresee potential ' bulges' in cash flow needs and have
better negotiating leverage with your bank or a commercial finance firm. $eek out and
speak to a trusted, credi*le and experienced Canadian *usiness Financing !d"isor
with a track record o# success
who can put you on track to permanent solutions to Canadian business financing
challenges.
Stan 6rokop ( 7 6ark !"enue Financial 8
http811www47parka"enue#inancial4com
*usiness financing for Canadian 7irms , speciali)ing in working capital, cash flow, asset
based financing , &1uipment "easing , franchise finance and Cdn. Tax Credit 7inance .
7ounded 899: ( Completed in excess of ;9 %illion < of financing for Canadian
corporations . $n#o 1Contact 8
http3,,www.=parkavenuefinancial.com,working(capital(cash(flow(financing(
solutions.html
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7 6ark !"enue Financial
$outh $heridan &xecutive Centre
8;>9 $outh $heridan Way
$uite ?9>
6akville, 6ntario
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5 Canadian Business Financing With he $ntelligent ;se &# Experience 5
Stan 6rokop