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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.

Facebook has for a long time been recognized as the leading authority in social networking. This website was launched in 2004 and since then has enjoyed huge popularity among people of all age groups. Facebook soon became the social site of choice among online marketers. Webmasters and online marketers almost immediately noticed the power of Facebook and soon found new ways of using social networking to communicate directly with their target audience.I can be extremely difficult to improve that ranking of your web pages within Google and other search engines. Many webmasters and SEO specialist spend a great deal of time and money to improve these rankings. The popularity of Facebook can be well assessed from the Google page rank. Currently the Google PR Rank for Facebook is 10 out of 10 and it ranks among the top 5 most visited sites in almost every country in the world. (An estimated 40% of all global internet users visit Facebook on a regular basis). A back link from a PR 10 website can do well for your website. Facebook users are allowed a single do-follow link from their profile to a blog or website. By effectively using Facebook Social Bookmarking you can create significant buzz around your business / website / brand.Social Bookmarking can be defined as a way to save, organize and share valuable resource / info / websites that are available online. It is important to note that you cannot simply bookmark your own web pages repeatedly as this will look unnatural and often be flagged by the search engines. To gain real benefit from social bookmarking you’ll need various internet users to bookmark your pages. For your bookmarks to be authentic it should unique third-party visitors to your pages who decide to bookmark these pages. In your own social bookmarking it is important to not only bookmark your own pages, but also complimentary pages with similar information relating to your topic. Facebook bookmarking should be given the highest priority as there are many visitors who might like your webpage and can easily bookmark your page. I have noticed that some online advertisers try to create many different profiles for Facebook bookmarking purposes; this unfortunately does not have the same effect and attract negative attention from the search engines.A lot of marketers just use Facebook bookmarking to create links to their web pages, but there really is little benefit in just using it as a link building strategy. This could have a rather negative effect on your brand. A mistake that is often made is to only share your own websites. Remember that Facebook bookmarking always must look natural and really should include other related information and sites in your bookmarking lists, Always take special care to ensure these other website you are bookmarking at least relate to your website’s topic. If you do this, your bookmarks will be noticed by others. Always look at that the bigger picture, don’t just rush your social bookmarking as simply something that needs to get done. Another mistake made is automating the social bookmarking. As much as we all sometime try to find a shortcut, social bookmarking really does need to be done manually to ensure maximum impact and benefit, Note that it is not recommended to only bookmark your website’s homepage. If you’re linking only goes to your homepages you may find that not all you website’s pages are indexed by the search engines. It is recommended that you build links to the inside pages of your websites. Social Bookmarking with Facebook makes building these deep links very easy to do.Facebook is one of the most popular social networking sites on the web today. Social Bookmarking is a simple way of getting your site seen by this very targeted audience. By defining specific goals and having a bookmarking strategy you can get maximum benefit from your Facebook campaigns. If you are just getting started in online business you may want to refer to strategies followed by more experienced marketers. You’ll benefit greatly from getting regular exposure on Facebook and getting actively involved in the discussions of related forums.Facebook bookmarking is a very old concept and millions of online marketers have been putting it to use for a long time, so you need to be up to date with latest strategies and ready to face the competition.