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.

SEO Services

Professional SEO services can lift your site above your competitors. According to SEO experts, they help business owners deliver their sites to top rank search engines. They ensure that the site has a unique setting that attracts Internet users. Search engine optimization experts apply the newest analytics service, which has a positive impact on a website. SEO companies are facing great competition in the SEO field. However, they introduce guaranteed SEO services to cope with the competition.These SEO companies have a strategy requiring clients to pay the major search engines (including Google and Yahoo) for monthly website maintenance. However, the company has guaranteed SEO services, where clients do not pay maintenance for that month.Google has remained top, since they have accurate methods and algorithms that deliver credible results to the searchers. However, Google has made it difficult for web developers to use optimization tricks in manipulating search engines. This is why SEO companies have the guaranteed SEO money refund.SEO companies ensure that guaranteed SEO services include the Google’s webmaster guidelines. Webmaster guidelines boost website rank and search activity. The services clients get from SEO experts are like marathons. However, clients should be aware that SEO tricks can have a great impact on a website and damage it-which is why they have to use the legitimate SEO strategies in order to receive impressive results.Although one may read a lot about the search engine ranking, no search engine optimization company can ensure that his or her site will get the first page in Google or Yahoo search engine results. Despite this, SEO companies have guaranteed SEO services and it is great when one signs with Google. The fact remains that SEO services assure clients that even if the site will not rank among the top search engines, the money will not be a waste because of the refund.Many webmasters are confused when hiring a search engine optimization SEO expert. Although SEO experts are believed to save time and improve webmaster sites through SEO strategies, they can also frustrate webmasters. Thus, webmasters must investigate the pros and cons of SEO services. The major tasks of the SEO experts are:- Ensure that the site is well reviewed in the content or structure
- Provide Search engine optimization SEO advice on website development like use of JavaScript and web hosting
- Develop website content using SEO services
- Provide online business improvement campaigns
- Target keyword research
- Offer SEO trainingHowever, the webmasters can grasp search engine optimization SEO through websites. They will understand the benefits of hiring an SEO expert and what to expect from one.It is clear that when webmasters hire a search engine optimization SEO expert, they stand a better chance of maximizing their SEO services. When they want to start a new site it is good to look for web developers who have web design talent. The web developer will ensure that a webmaster’s site reaches the top search engine ranking like Google or Yahoo. The web developer also assists in improving an existing site.However, webmasters have to ask several questions about search engine optimization SEO including:1. Do they have previous examples and testimonies from past clients?
2. Do they follow the guidelines from the Google webmaster?
3. Do they implement the SEO Internet marketing services to improve online business?
4. Do they have experience in the webmaster’s industry?
5. Do they have knowledge of the webmaster’s country/city?
6. Do they have experience in developing sites for international companies?
7. What are the best SEO techniques to implement on the webmaster’s site?
8. How long has the SEO expert been in web design?
9. Does the SEO expert have good communication skills when making changes on the client’s site?Although the SEO experts provide great SEO services to their clients, there are a few who ruin the web design industry through their greed in marketing efforts and manipulate search engine rank. If search engine optimization SEO does not involve ethical practices, the site may have low visibility on Google or even be removed from the Google index.SEO and social media marketing ensure that one’s site has the best SEO Internet marketing, which means that their company can remain competitive in the online market. All the individual has to do is transition in their online business.SEO Internet marketing has major components, which develop the website traffic, and top search engine rankings. However, webmasters should be aware that these components are not easy to get. They must apply formulas and SEO strategies to produce effective results. There are many websites providing pertinent information about SEO and online marketing, and you can learn from them.If one’s business does not have SEO Internet marketing strategies, he or she will need help from SEO experts. They will have to find SEO expert websites, who will help the business owner’s site have many customers in online marketing. The obligation of SEO experts is to create exposure to businesses. They focus on SEO Internet marketing goals and provide top search engine rank like Google and Yahoo. However, to accomplish all this, web developers use SEO custom services, which have long-lasting SEO Google rank.SEO companies ensure that your site has all the SEO Internet marketing such as business improvement, localized product sales, high quality online generation and the rest. Webmasters are guaranteed to remain competitive in the online business if they stick with SEO experts. They will have all they need to ensure business success.Business owners who do have a business website lose massive amounts of money from online marketing. They should know that SEO Internet marketing mandates a business website, since it is a necessary online marketing tool. A website or blog is same as news ads, letterheads, or the yellow pages. However, the website must be user-friendly and just as advertisement is important, the SEO website is the same.It is true that 44% of small businesses do not have a website or blog. They are unable to reach 73% of Internet users each day. If your company has a website, customers can research the latest products the business owner’s company offers. SEO Internet marketing can help any company through their site to sell products. All businesses should have their own website, including companies using websites provided by insurance.

S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows

Key Insights
The strong pullback in the U.S. dollar provided significant support to stocks.
Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.
A move above 3730 will push S&P 500 towards the resistance level at 3760.
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Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines
S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.

The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.

Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.

Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.

Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.

From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.

S&P 500 Tests Resistance At 3730

S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.

If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.

On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.