Looking for someone with reliable expertise on business loans?

SOURCES OF BUSINESS CAPITAL - By Stan Prokop

In the corporate marketplace of today, it can often be an incredible challenge to stay ahead of the game. Sometimes the only thing that can keep you above water is an extra boost, but you may find yourself at a loss as to where that boost will come from. 7 Park Avenue Financial wants to be the stepping stone that lifts you above the crowd! We have the knowledge and experience you need when it comes to Mississauga Ontario business loans, and we have a proven track record for it. From March 2008-April 2008, we obtained over a million dollars in financing.

You have a business that is unique and valuable to the marketplace, so why resign yourself to a business loan that’s simply standardized and packaged?

We believe that a unique business needs a unique solution, and we want to work closely with you to find the right business loan that suits your financial challenge. We’re flexible, reliable, and willing to listen before charging ahead toward a solution – we want to know what you need to make your business grow, so that we can work with you and allow you to integrate yourself into the process. You deserve to be a part of the solution!

7 Park Avenue Financial believes that this kind of relationship-based financial solutions process is what truly sets us apart when it comes to Mississauga Ontario business loans. The kind of quality service we offer simply cannot come from a mass-produced solution.

We want to provide you with real and viable solutions for your unique financing challenges!

Wondering how 7 Park Avenue Financial can help you secure the business loan you need to boost your business high above the crowds? Give us a call today, and find out what we can do to help your business soar into the future!

Phone: 905 829 2653
Email: sprokop@7parkavenuefinancial.com

Mississauga Ontario Business Loans

Businesses that are growing require sources of capital. The capital in a company of course comes from the owner or borrowed funds. Generally speaking business owners prefer to borrow rather than sell equity in the company, as that sale of equity dilutes the ownership position, i.e. they own less of the pie! New equity can come from friends and family, venture capital firms, and angel investors. These parties are looking for good management, integrity, owner financial stake, and growth potential.

However, in the current difficult financial environment many lenders are in fact insisting that business owners put more of their own money into the company. There is never an easy answer when it comes to the debt or equity question.

When businesses borrow funds there is a cost to that capital - as interest on that debt reduces over-all profits. New equity in the company of course does not reduce those earnings, however the profits are distributed more widely and the earnings are proportionately reduced.

Borrowing funds of course comes with risk, as those loans must be repaid. Business owners sometimes get caught in the trap of financing long term projects with short term money - they are therefore at the mercy of having to always roll over that debt, and potentially also seeing rates go up, sometimes dramatically. Also, a business can carry only so much debt, at which point cash flow becomes a potential problem if the company is over leveraged.

Currently rates are very low for businesses that have access to capital. Therefore in many cases it might make sense to lock into longer term loans in the current attractive rate environment.

When the business owner has made the decision to purse business loans the old Boy Scout model works very well - BE PREAPRED! Business owners that do their homework will usually be successful. Lets not forget the banks and finance firms are actually in business to loan funds. Naturally collateral, or additional collateral certainly improves the chances of debt financing success and loan approval.

Debt and equity financing as a sources of capital should be used for the right reasons - expansion, seasonality of business, increased inventory and working capital that will increase sales. Funds that need to address business inadequacies such as poor management, financial losses, falling sales, etc are very difficult to come by!

In summary, business owners should carefully consider the positive and negative effects of additional debt or equity capital. Once they have made an informed decision, either on their own or with a trusted business advisor they should consider the cost of that capital and how it is best achieved.

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