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.

Blood Nutrition – Understanding Your Current Health and Nutritional Needs

No general screening test is more efficient, effective and affordable than a comprehensive blood chemistry panel. It allows the healthcare provider to establish a baseline of biomarkers to track the patient’s health and nutritional needs. Getting a blood test is essential to understanding your current health and your nutritional needs.What is Blood Nutrition? Blood NutritionTM, is an innovative, science-guided look at nutritional strengths and weaknesses through an individual’s blood test. This new scientific approach can offer a clear plan for your optimum health. As a result, a new generation of healthcare professionals is emerging with the tools and keys that can reveal the more subtle imbalances and assist in correcting them. Blood NutritionTM is a comprehensive approach to health. To address the true cause of symptoms, one should look for their origin from a science-generated perspective by considering:Physiological distress or disease conditionsNutritional distress or imbalancesMental/emotional distressAny of these factors may be the source or a contributing factor for the symptoms of imbalance. The cornerstone of an effective health strategy is a nutritional and lifestyle plan that is based on your biochemistry. Success here is dependent on the establishment of an accurate nutritional profile guided by scientific approaches such as a comprehensive blood test. Blood Nutrition and Science This advanced scientific approach identifies nutritionally significant information through the careful analysis of the various blood values. Certain indicators can reveal electrolyte, mineral and other nutritional imbalances. Once addressed, one can optimize the metabolic processes and help maintain the healthy performance of the body. A balanced nutritional state is essential for achieving and maintaining health. Nutritional analysis of your Blood Test may indicate the need for:Key nutrients such as vitamin A, B6, B12, DFluid and electrolyte balanceMinerals such as magnesium, calcium and ironTissue hydrationAntioxidantsEnzymesNutritional support of key organsNutritional support of metabolic pathwaysThe need for lifestyle changesNutritional Imbalances If you have nutritional imbalances, you may be experiencing the following:Mental/emotional symptoms including mood swings and anxietyStructural/musculoskeletal symptoms such as pain or stiffnessDigestive issues such as bloating, indigestion and elimination problemsOptical symptoms such as difficulty in night vision or blurry visionSymptoms such as weight gain, fatigue, insomnia, food cravingsCardiovascular health issuesDry skin, brittle nails, hair dryness or lossOthersAre you suffering from the effects of nutritional deficiencies or imbalances? Nutrients such as amino acids, enzymes, fatty acids, vitamins, minerals and electrolytes are the building blocks of the body. They provide energy, support metabolism and are needed for many biochemical reactions to sustain health. Key nutrients may become deficient for various reasons. These may include:Disease processes, which may block metabolismPoor dietary habitsPhysical, mental and emotional stressOne of the most scientific ways to identify nutritional imbalances is to have your blood test evaluated by a nutritionally trained doctor or healthcare practitioner who is experienced in Blood NutritionTM assessment. A comprehensive blood test is affordable and results are normally received within a few days. When key nutrients become deficient, many metabolic processes are affected.The body may initially try to compensate for such imbalances. However, if they are prolonged, they may contribute to hormonal issues, metabolic disorders, increase in toxic load, oxidative stress, organ weaknesses and many other health issues. Many symptoms such as tiredness, fatigue and irritability may be effectively addressed with proper nutritional considerations.A blood test is one of the most efficient tests you can get to determine the quality of your overall health. Once you have received your test results, working with a specialist who is experienced in Blood NutritionTM will enable you to achieve the optimum health that is essential to a long life full of vitality.

Nutrition Graduate Programs in North America

Find Nutrition Graduate Programs in the United States and Canada. If you’d like to achieve a Masters or Ph.D. in nutrition, you should first review admission requirements to nutrition graduate programs. Typically, prospective students must take an aptitude test prior to enrollment. Additionally, applicants to nutrition graduate programs must have earned a minimum undergraduate degree with an above average GPA.Common studies involved in nutrition graduate programs are research in genetic and metabolic foundations (in animal and human diets), nutritional biochemistry, pathology in relation to nutrition, nutritional epidemiology, and other related subject matter.Nutrition graduate programs that result in a Master’s (MS) degree entail in-depth coursework in biology, biochemistry, chemistry, advanced nutrition, physiology, and advanced human nutrition. In addition, students will almost always have to complete a thesis, as well as residency. Generally, nutrition graduate programs like this require a minimum of two years to complete.Doctorate (Ph.D.) nutrition graduate programs include higher studies, doctoral dissertation research, and advanced nutrition sciences and research, among other associated courses. Ph.D. program lengths vary, but usually take between three and four years to finish successfully.Students may also opt to participate in nutrition graduate programs with an emphasis on food science. These studies generally focus on food chemistry, biochemistry and microbiology; food processing, and supplementary research, thesis and residency. These nutrition graduate programs generally require the same amount of time and prerequisites as typical M.S. and Ph.D. courses.Candidates who have successfully completed nutrition graduate programs in North America have potential to earn well over $60,000 annually in a faster-than-average growing career field. In addition to the positive financial outlook, professional nutritionists and dieticians gain overall satisfaction in helping individuals to make effective dietary choices in the prevention of disease, improved health and overall wellbeing.If you (or someone you know) are interested in finding nutrition graduate programs, let professional training within fast-growing industries like massage therapy, cosmetology, acupuncture, oriental medicine, Reiki, and others get you started! Explore career school programs near you.Employment source: Bls.gov (US Bureau of Labor Statistics)Nutrition Graduate Programs in North America┬ę Copyright 2007The CollegeBound NetworkAll Rights ReservedNOTICE: Article(s) may be republished free of charge to relevant websites, as long as Copyright and Author Resource Box are included; and ALL Hyperlinks REMAIN intact and active.

´╗┐