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.

Make Your Own Premium Anti-Aging Skin Care Blends at Home

Have you always wanted to try the world’s finest skin care product, but found the prices somewhat outrageous? Ever considered making your own? It’s so easy to do, and you can create a formula precisely to match your skin type, with remarkable effective natural and pure botanicals (plant-based ingredients). Making these yourself will give you a skin care product that matches or exceeds the effectiveness of anything you can buy over the counter at a truly affordable price. Try one of these recipes and you may never go back to fancy labels, boxes and prices ever again!Essential Oils: The Best Skin Care BotanicalsYou’ll find essential oils in every “high end” mature skin beauty product, though sometimes you’ll see them discretely labeled as “plant extracts” or similar terms. The thing is that many folks still don’t realize that essential oils truly are medicine, not just fine smelling precious liquid in tiny bottles. When you understand that essential oils are simply the concentrated “volatile” (easily evaporated liquid) constituents naturally present in ALL plants, you’ll see that they’re nothing less than any other herbal concentrate. And essential oils are so very compatible with our skin — they are very easily absorbed — that they can actually work better than other types of botanical skin care ingredients. Making a custom recipe for yourself is as simple as matching the therapeutic properties of the essential oils to your skin’s needs — then mixing them together with one or more “fixed” oils, and voila! You’ve got the perfect daily skin care creation.
Woman’s Oil of Beauty: Rose Essential Oil
Again and again, in every natural skin care recipe book, one finds one oil more highly regarded than any other — Rose Otto, the steam distilled variety of Rose (it is also found as an Absolute, which is more appropriate for natural perfumes). Rose Otto has a host of therapeutic skin care properties: it hydrates without being greasy, it’s gently antiseptic, soothing to damaged skin, can heal broken capillaries, and supports the skin’s natural metabolism. It is also the most important oil for women for its heart opening, anti-depressant action — considered the “oil of the highest vibration” used in aroma-therapeutics. While a bit pricey, it’s very potent; only a few drops are needed in any recipe.Calendula: Nature’s Healing Magic

Calendula oil has been used for hundreds of years for all sorts of skin care uses. Its exceptionally soothing, with the traditional use being for infant’s skin care. The flowers have been hard to work with however, limiting the uses of this magnificent medicinal plant. A new extraction technique now offers us a Calendula oil concentrate, often labeled Calendula CO2. This new extract is highly antioxidant, powerfully wound-healing, and one of the most effective soothers of irritated or damaged skin available on Earth.Companion Oils for Balance and Vitality

One or more of these three oils are excellent companion oils to the Rose and Calendula. Rosemary “Verbenone” is a skin-care specialty oil, distilled from a particular variety of Rosemary herb. Long used in all sorts of body care preparations, Rosemary is thought to work by stimulating cellular metabolism (increasing the amount of nutrients getting into our skin cells), speeding the creation of new cells, and enhancing our skin’s vitality. Helichrysum is even more potently regenerative — often used in wound healing, Helichrysum will also increase new skin cell production, while drawing waste products from skin tissues. And lets not forget Lavender, the Grand-Daddy of skin-care medicine. Lavender is regenerative, antiseptic, anti-inflammatory, and aids skin conditions where stress may be an underlying factor.For specific skin care needs, we’ll also include Sandalwood and Myrtle essential oils in certain blends (you’ll see which oils go with which skin type in the recipes below). Both these oils are considered excellent for acne-prone skin. Myrtle is potently antiseptic, regenerative, and commonly found in acne and oily-skin formulas. Sandalwood is hydrating AND an excellent treatment for acne. Myrtle offers a great herbaceous “high note” to your blend, while Sandalwood gives a lovely earthy tone.Holding It All Together: Your Formula’s BaseWhile the essential oils are often considered the “active ingredients”, its important to consider the “carrier oils” are exceptionally therapeutic as well. For these recipes, we highly recommend the use of two very well-regarded tropical nut oils: Coconut and Kukui. Coconut has a very long history (thousands of years, actually) in skin care, mentioned often in Ayurvedic medicine. It is antimicrobial and hydrating (spanning the needs from the acne prone to the chronically dry). Kukui has similar properties, and remains liquid at room temperature — allowing easy mixing and application of your custom recipe. These two oils have been used by peoples of tropical climes to care for the skin of the young and old, successfully, for so long — and now you too can reap their benefits.Rosehip Seed: A Woman’s Beauty Gift from the Mountains of Chile
For everyone EXCEPT those prone to acne, Rosehip Seed oil is the third important base oil. Rosehip seed naturally balances the incredible tropical nut oils, coming from the high mountain arid regions of South America. Rosehip seed may be the most thoroughly studied carrier oil for skin care use — and with excellent results. Rosehip has been shown to significantly reduce the appearance of wrinkles, fine lines and scars, while smoothing overall skin texture and color. Imagine what its going to do with all these other top-notch therapeutic ingredients…let’s get on to mixing them.Get Yourself Started With These Ingredients and Instructions
Gather your ingredients: 1 glass bottle 30 or 60ml (1 or 2 ounces), preferably colored glass (helps protect the oils) with an eyedropper (makes it easy to dispense your formula later). ALL recipes are for EACH FLUID OUNCE, so you’ll want to know the size of our bottle to make measuring easier. A funnel might make things easier as well. And of course your selected base oils and essential oils (note for purchasing oils — the recipe calls for drops, and essential oils are sold in milliliters — there are 25 drops per milliliter).Mixing instructions: Add the required number of drops of each essential oil to your empty bottle. If making 2 ounces, double the amounts, 4 ounces, 4 times, etc. With a funnel, add approximate amounts of your carrier oil — if using all three carrier oils, for example, just fill the bottle about a third of the way with each oil. Don’t overfill, as you won’t be able to get the eyedropper in (if using one) without spilling! Gently invert the bottle several times and let set for a bit. The aroma will not really be brilliant until the following day, but you can use the mixture right away. The formulas are designed for using one to 3 times per day. On to the recipes:Brilliant Beauty Recipes for All Skin Types:
Moderate to sever dry skin with smile lines: Rose Otto 8 drops, Lavender 12 drops, Calendula CO2 6 drops, three parts Coconut and one part each Kukui and Rosehip seed oils.Mature skin with scars or color variations and smile lines: Rose Otto 6 drops, Lavender 8 drops, Helichrysum 6 drops, Rosemary V. 6 drops, Equal parts Coconut, Kukui, and Rosehipseed oils.Irritated or sensitive skin, perhaps with broken capillaries: Rosemary 8 drops, Lavender 6 drops, Calendula CO2 6 drops, Sandalwood 6 drops, in three parts Coconut and one part each Kukui and Rosehip seed oils.For oily, acne-prone or combination skin: Myrtle 10 drops, Lavender 8, drops, Rosemary V., 6 drops, in equal parts of Kukui and Coconut oils.Four easy recipes to get you started — and there’s so many essential oils to choose from, with a range of therapeutic properties. These blends described here can be VERY effective, and by making them yourself this first time, you’ll open up whole new doors to formulating your personal, customized, high-end skin care at a fraction of the cost of the Big Names in the business. May you have beautiful, healthy skin where every you go!

How to Process Your Online Business

If you are still trying to figure out some-process to start an online business, you are going to find these online business strategies very useful.Conduct marketing researchBefore you decide to market business ideas online you should begin by doing research to find a profitable niche. If you do a thorough research on the internet you can find very profitable niche. Your researching process may take longer than usual if you are just starting out but you want to complete this process before moving on. You have to do your own research on a specific niche to understand the target market. Everything will become much clearer and easier to understand when you do research.The internet provides you with research on every business topic but you will still need to find your areas of strength. Doing business research online is low-cost on your budget list because online business research is easily accessible. You can get free or in-expensive market research done on any online niche. If this is your first time doing online business research or if you are still not aware of any research ideas then you need do some more researching online to find your best business ideas; the internet makes it easy to get high-profile research list.Join a business group/networkWorking with a team of individuals who are experts and knowledge-able about online business will help you to become more focus on your goals. There are many things to do with online business and if you are not well prepared you won’t get anywhere. A business group or network is where you will find most online success story. It is worthwhile joining a business group especially if you are just starting out online.A business group is a team of marketers and internet business prospects working and marketing online.These sites set-up a marketing system to train, discuss business and implement marketing ideas where all members are given credits, bonuses and products to use in promoting. Some of these businesses use a fee base program so you may have to invest some cash as you progress. A business group or network provide you with information you are looking for and you will have to evaluate the best situation for yourself.Find products to promoteAfter you decide on your market you will need to find a product to promote. If you are not familiar with the techniques of finding the right products, you will need some expert advice. It is normal for beginners to go wild when choosing their first product to promote but if you can follow some basic instruction choosing a product niche is a breeze; you can seek the help of an advisor, mentor or group experts to assist you with product selection.A product-line may consist of multiple offers or a single offer; you should know to choose wisely. There are some basic rules to follow if you are promoting products from the market-place like clickbank.com but the formula that is repeating over and over again is choosing high gravity products. The rest depends on your promotion methods. If you join a business group or network, you should have a few products to begin with and if you want more exposure online for your business you may want to venture into other market to find a product niche.The opportunity to find product online to promote is easy to research because you can choose product from the market-place like clickbank.com that gives you access to product information and stats report; you can mix and match products to compliment your market.