Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.

Protect Your Store From Robberies With a Fully-Equipped Business Surveillance System

A business surveillance system keeps the store owner fully aware of what is happening inside or even just outside the door of his own store. This is the most convenient way to keep an eye on the store premises and even the customers or employees coming in and going out of the store.Robberies happen all the time. Fortunately, store owners can also maintain a watchful eye on their store even from a short distance. If his store happens to be situated just near his home, then he can set up a wireless security camera system that lets him stay within the premises of his home while keeping an eye on his store.These security camera systems come with the following elements:
• one or two security cameras, depending on how many is needed, that the store owner can place in key areas of the store such as near the cash register, along the farthest isle from the counter, at the front or back door, or just outside the store to see who is coming in before they even come in.
• a monitor or TV where the store owner can watch
• surveillance software which can also be used for PC monitoringMany stores have a business surveillance security system for fear of burglars getting into the store or robbers holding the employees up and not leaving any trace of evidence for them to get caught. With a sophisticated wireless surveillance system, store owners can now cooperate with the police in tracking who the real criminals are.

Why Do You Need Sports Nutrition

Whether you are exercising to improve your health, a professional athlete or a bodybuilder, the sports nutrition plays a vital role in optimizing beneficial effects of physical activity. Choosing a right nutrition can result in injury prevention, improved performance, and recovery.According to Thomas Edison, “The doctor of future will no longer treat human frame with drugs, rather will prevent and cure disease with nutrition”.In order to support your goals and health, different nutrition professionals offer a number of services. Moreover, these nutrition can range from a daily food diary, to comprehensive nutrition and food plan for competitions and training.Here we will explore the importance of sports nutrition, and how a sports nutritionist can support our training regime. Also, they covered supplements and nutrients that are frequently included in the dietary program of athletes. We will discuss these things in details.The importance of sports nutritionConsuming balanced food and drink is very important for us all. However, people that are actively participating in sport on a routine basis should know that it can also affect their performance. For instance, athletes, may require more calories compared to average people.Those who are athletes, or even people that make up their mind to start exercising on a daily basis, should not let a good nutrition plan fall down on their list of priorities.Sports performance and the energyProtein, carbohydrates, and fats all provide our body with fuel to maintain the energy. Furthermore, carbohydrates are a primary fuel used by our working muscles. The adequate intake is necessary for preventing muscle fatigue. You are advised to monitor the fat intake, but do not completely remove it from the diet.Fats provide fatty acids in our body that can be used an energy source – especially if your exercise sessions last more than an hour. These fats also provide the building blocks for hormones as well as formation of cell walls.Proteins can be used as an energy source and they are critical for building new muscle tissues. People that are taking part in resistance training, their body will require additional protein.Weight managementEating well is very important to maintain a healthy weight. So, if you are trying to lose weight, strictly reducing fat, calorie intake or protein can have a negative impact on your performance. Meanwhile, it can also rigorously harm your body.Some specific and useful foods that you should be a part of the diet for the optimum sports nutrition include:· Whole grains· Vegetables· Fruit· Healthy fats.· Hydration, and· Sources of lean protein as well as low-fat dairy productsStaying hydrated is of utmost importance, especially when you are taking part in any sport. The inadequate fluid intake can lead to dehydration. It also affects the performance, and could be dangerous for health as well.Although dehydration can occur in any activity, it is very prevalent when exercising in humid and hot conditions. The perfect thing for re-hydration is water, but it is advised to use sports drinks with electrolytes, for those who are engaged in the physical activity for longer than an hour.After the eventYou are highly advised to avoid neglecting your nutritional needs, if you have had to walk the last half-mile of your run due to fatigue or even the things have not gone according to your plan in your game. No matter what the result is, it should be your priority.Footballers, casual runners, athletes, and others typically do not consume enough fluids when they take part in different events, or trainings. So, it is very important to restore the balance after every event. The water is perfect for rehydration.How sports nutrition professionals can help?The major aim of a dietitian or sports nutritionist is to create a nutrition plan for the training needs of different clients. The plans will incorporate hydration and food. It does not matter whether you are training for professional events or exercising casually, sports nutrition is very integral to performance.Such a strategy can also help to:· Enhance recovery.· Promote good health· Increase energy levels· Help manage weight· Develop growth and body composition· Improve concentrationIn order to create an effective nutrition strategy, sports nutrition professionals should always assess not just your diet and training, but also day-to-day habits, lifestyle, supplements and whether you are taking any medication. Nutrition professionals should also support as well as be able to analyze you with your short-term and long-term goals.NutrientsCarbohydratesThe 2 key forms of carbohydrates are, 1. Starchy or complex, and 2. Simple sugars.Complex carbohydrates, are also known as the starches, and they include grains such as pasta, rice and bread. Just like simple sugars, some complex carbohydrates are better than others. Processed refined grains like, white flour and white rice are less favorable because the fiber and nutrients are removed.Rather, nutritionists recommend that where possible, people should opt for unrefined grains that are still packed full of minerals, fiber and vitamins.Whereas, the simple sugars can be found in refined products and provide a sweet taste. These are naturally found in fruits, vegetables and milk products.We can also add them to our foods using honey, white or brown sugar, maple syrup and molasses, etc. Although all types of sugars that we eat are used by our body in the same way, but it is highly suggested to get simple sugars from foods that are rich in sugars naturally because such foods also contain important nutrients and fiber.FatsIt is an essential component of every diet because it is a great source of energy as well as helps our body to absorb nutrients.Although fats are very important, but we should still monitor the quantity of intake. Using a lot of fats could result in excess weight gain and in increased risks of severe health concerns.The saturated fats can easily be found in different animal products as well as processed foods like, chips, meat and dairy products. Such fat type is not considered to be healthy for the human heart and is thought to raise bad (LDL) cholesterol levels.Avocados, nuts, oily fish and olives are rich in unsaturated fats. Such fats are considered to be healthy for our heart and can work to raise good (HDL) cholesterol levels as well as lower the LDL cholesterol levels.ProteinEvery cell of our body contains it and due to this reason protein is important for helping to repair and build tissues. Proteins are also used to make hormones, enzymes and a number of additional body chemicals. Furthermore, proteins are very crucial for forming the building blocks of bones, blood, cartilage, skin and muscles.Some of the most common protein foods include fish, meat, eggs, nuts, soya products, seeds and pulses.SupplementsDifferent bodybuilders, sportsmen and athletes use supplements to boost their performance, recovery and strength. Supplements are available in a number of forms ranging from minerals and multivitamins through to creatine, protein and many other ‘ergogenic’ aids.You are advised to ensure that your diet is balanced, healthy and suits your sport, before opting to take any form of supplement. It is also advised to consult a registered nutritionist or an accredited sports dietician before if you have decided to take additional nutrients in supplemental form. These experts can assess your suitability for a particular supplement.Some common sports supplements include the following:CreatineIt is a high-energy compound which helps to provide and store energy. It is produced within our body, and is naturally available in meat and fish. It can also be taken in the form of supplements.In order to increase muscle strength, creatine is used by sportsmen and athletes as a dietary supplement. It is intended to boost performance during frequent, high-intensity exercise and also help you train for longer.Whey proteinA natural protein which is naturally present in milk, and contains very little carbohydrate, lactose or fat. It is considered a naturally complete protein, which means whey is made up of all essential amino acids that are required in our average daily diet.Also housing the perfect combination of amino acids, this protein also contains branch chain of amino acids (BCAAs) that are the 1st ones to be used while intense training. Whey provides our body with these amino acids and in turn they assist with rebuilding and repairing lean muscle tissue.Whey protein is extremely easy to digest so it can provide instant nourishment to our muscles and can absorb quickly.Energy drinksIt is extremely important to stay well hydrated during training and exercise. Even a little amount of dehydration could be detrimental to your performance levels. Although, drinking water is considered a good way to keep ourselves hydrated during exercise. Still, some bodybuilders and athletes opt for energy drinks, especially people that undertake endurance events like long distance running.A number of energy drinks consist of sodium and other electrolytes that encourage drinking and help us to stimulate thirst. They also enhance our body’s ability to hold the water. Furthermore, carbohydrates contained in many energy drinks and can provide us with extra energy which may be needed in the latter stages of training.This article is reviewed by an experienced dietitian, and is provided for general information purposes only. People having trouble with their dietary plans are advised to consult specialists.