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Financing & Cash flow are the biggest issues facing business today
ARE YOU UNAWARE OR DISSATISFIED WITH YOUR CURRENT BUSINESS FINANCING OPTIONS?
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EMAIL - sprokop@7parkavenuefinancial.com
7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Oakville, Ontario
L6J 7J8
Business funding services in Canada are where business owners and financial managers turn when cash flow pressure hits.
Funding puts the “ding” back in running a business—especially when working capital is tight.
The Business Funding Gap That's Costing You Growth
Your bank said no. Now what? Every day without adequate funding means missed contracts, delayed payroll, and watching competitors capture the opportunities you can't afford to pursue.
Let the 7 Park Avenue Financial team show you how Alternative business funding solutions evaluate your company's assets and revenue—not just your credit score—delivering capital in days rather than months, turning financial bottlenecks into growth momentum.
3 UNCOMMON TAKES ON BUSINESS FUNDING
Business funding decisions reveal more about risk management than desperation. Companies that proactively secure multiple funding relationships before crises hit operate from strength, negotiating better terms and maintaining operational flexibility that reactive borrowers never achieve.
The "cheapest" funding often costs Canadian businesses the most. Chasing the lowest interest rate while ignoring speed, flexibility, and relationship value leads many Canadian businesses to miss time-sensitive opportunities worth multiples of any rate differential.
Asset-based funding often provides better working capital than equity investment. Maintaining ownership while leveraging receivables or equipment preserves your upside and avoids dilution that venture capital or private equity partners demand.
The Inevitable Cash Crunch
Many business owners plan well for expected financing needs.
What they rarely anticipate is the sudden, unplanned event that immediately disrupts cash flow.
We recently met a client who lost their largest customer overnight.
That customer represented 80 percent of revenue, and the bank promptly called their operating line of credit and small business loan.
Three Key Areas of Your Business
Most funding challenges fall into three core business phases:
Growing the business
Generating consistent profits
Simply surviving unexpected shocks
Business owners and financial managers must keep cash flowing through all three phases.
Each stage presents unique working capital challenges.
Common Business Funding Surprises
Cash flow forecasts work—until the unexpected happens.
Common disruptions include:
Aggressive competitor pricing or new products
Sudden regulatory or government policy changes / availability of business grants - govt financial assistance / funding programs
Rapid technology shifts
These surprises can trigger funding stress quickly.
That is when access to alternative business financing becomes critical.
Unavailability of startup loan financing
Planning for Business Emergency Funding Solutions
Effective emergency funding planning comes down to three essentials.
1. Understand the time required to secure funding
Accessing capital takes longer than most owners expect.
Having an established relationship with a Canadian business financing expert—even in good times—can save critical weeks.
2. Know your available business funding options
Emergency and alternative financing may include:
Bridge loans secured by unencumbered assets
Receivable financing or factoring
Purchase order financing
Unsecured cash flow loans
SR&ED and other tax credit financing
Sale-leaseback of owned equipment or real estate
Businesses that lose bank credit facilities may still qualify for non-bank, asset-based lending.
Creative working capital solutions are often available outside traditional banks / financial institutions
3. Mobilize unused financial resources
At this stage, business owners stop “keeping score” and start taking stock.
This includes reviewing underutilized assets, financing relationships, and balance sheet strength.
Addressing Funding Emergencies
Funding emergencies can occur at any time.
Business owners should clearly understand:
Available internal and external financial resources
Which assets can be liquidated or leveraged
Which alternative financing vehicles can support cash outflows
Preparation reduces panic and improves financing outcomes.
CASE STUDY
From the 7 Park Avenue Financial Client Files
Company: ABC Manufacturing Ltd. (Industrial Equipment Parts)
Challenge: ABC Manufacturing received a $500,000 contract from a major automotive client requiring 60-day payment terms. The company needed to purchase raw materials and cover production labor costs upfront but lacked sufficient working capital to bridge the 60-day gap. Their bank declined a loan request due to existing debt levels, and the owner was unwilling to inject personal funds or bring in equity partners.
Solution: ABC Manufacturing implemented invoice factoring for the automotive contract, advancing 85% of the invoice value ($425,000) within 48 hours of shipping the order. This immediate cash covered all production costs and left working capital for ongoing operations. The factoring company collected directly from the creditworthy automotive client at 60 days, releasing the remaining 15% reserve minus fees to ABC Manufacturing.
Results: ABC Manufacturing fulfilled the contract profitably, strengthened their relationship with a major client, and maintained their working capital position. The factoring cost of 3.5% was significantly less than the contract's 18% profit margin. The company has since established an ongoing factoring facility, allowing them to accept larger contracts and offer competitive payment terms without cash flow constraints. Within 18 months, revenue increased 43% as the company captured opportunities previously declined due to working capital limitations.
Key Takeaways
Cash flow crises often arise from unexpected business events.
Traditional bank financing can be withdrawn quickly during stress periods.
Alternative business funding options are widely available in Canada.
Emergency funding planning should occur before a crisis happens.
Experienced financing advisors improve speed, access, and outcomes.Business funding extends far beyond bank loans
Alternative lenders fund based on assets and cash flow
Speed and flexibility often outweigh low interest rates
Canadian SME's have more funding options than ever
Conclusion
Canadian SMEs need reliable access to business funding and expert guidance.
A trusted and experienced Canadian business financing advisor can help resolve funding emergencies—or prevent them entirely.
Tailored business loans and alternative financing solutions protect cash flow and support long-term stability.
7 Park Avenue Financial
Helping Canadian businesses access the capital they need—when banks say no.
Serving Canadian businesses since 2004. Trusted advisor for companies facing traditional lending challenges.
FAQ / FREQUENTLY ASKED QUESTIONS - Business Funding
What is business funding in Canada?
Business funding refers to all financing options available to Canadian companies to support cash flow, growth, and operations.
It includes bank loans, alternative lending, asset-based financing, and revenue-driven funding solutions.
What business funding options are available beyond bank loans?
Canadian businesses can access funding through:
Invoice factoring and receivable financing
Equipment financing and leasing
Asset-based lines of credit
Purchase order financing
Tax credit financing
Inventory Financing
Revenue-based or cash flow loans
These options focus on assets and revenue, not just credit scores.
Can businesses with poor credit still get funding?
Yes.
Asset-based business funding relies on receivables, equipment, contracts, or customer credit quality rather than owner credit scores.
How fast can a business get funding in Canada?
Alternative business funding is often approved within 3–7 business days.
Invoice factoring can fund in 24–48 hours, while banks may take 6–12 weeks.
Why do banks decline funding that alternative lenders approve?
Banks rely on rigid credit rules, long operating histories, and strict ratios.
Alternative lenders evaluate cash flow, assets, and current contracts instead.
Which industries struggle most with traditional business funding?
Industries commonly declined by banks include:
Trucking and transportation
Construction and contracting
Restaurants and hospitality
Staffing and service-based businesses
These sectors often succeed with alternative financing.
When should a business use funding instead of waiting for cash?
Funding makes sense when the return exceeds the cost.
Examples include fulfilling large orders, capturing supplier discounts, or preventing operational delays.
What are the biggest business funding mistakes?
Common mistakes include:
Waiting until a cash crisis occurs
Applying only to banks
Focusing only on interest rates
Lacking up-to-date financial documents
Proactive planning improves terms and speed.
What documents are required for business funding?
Most lenders require:
3–6 months of bank statements
Accounts receivable aging
Financial statements
Tax returns
Equipment lists or customer contracts
Prepared documentation accelerates approval.
Which business funding options offer flexible repayment?
The most flexible options include:
Revenue-based financing
Invoice factoring
Asset-based lines of credit
These adjust to cash flow, unlike fixed-payment term loans.
Can seasonal businesses qualify for funding?
Yes.
Seasonal businesses use factoring, asset-based credit lines, or seasonal payment structures tied to peak revenue periods.
How does business funding improve cash flow?
Funding converts receivables or assets into immediate cash.
This reduces waiting periods of 30–90 days and shortens the cash conversion cycle.
Is business funding cheaper than using credit cards?
Yes, in most cases.
Credit cards often exceed 30% annual cost, while business funding typically ranges from 6%–18%, depending on structure.
Do business funding options require personal guarantees?
It depends on the product.
Factoring and purchase order financing often require minimal guarantees, while bank loans almost always require them.
Can businesses use multiple funding solutions at once?
Yes, when structured correctly.
Many businesses combine factoring, equipment financing, and credit lines to match funding to specific needs.
How has business funding evolved in Canada?
The market has shifted toward faster, tech-enabled alternative lending.
Asset-based and receivable financing are now mainstream strategic tools.
STATISTICS ON BUSINESS FUNDING
According to the Canadian Federation of Independent Business, 49% of small businesses report difficulty accessing adequate financing for growth and operations.
Statistics Canada data shows that approximately 25% of small business loan applications to traditional banks are declined annually.
The Business Development Bank of Canada reports that businesses using alternative financing grow 37% faster on average than those relying solely on traditional bank relationships.
Industry research indicates that invoice factoring in Canada has grown by 12-15% annually over the past five years, reflecting increased acceptance as a mainstream funding tool.
Canadian businesses wait an average of 52 days to receive payment on invoices, creating significant working capital gaps that business funding addresses.
CITATIONS
Canadian Federation of Independent Business. "Small Business Financing Challenges in Canada." CFIB Research Report, 2024. https://www.cfib-fcei.ca
Medium/Stan Prokop/7 Park Avenue Financial." Funding Businesses In Canada" .https://medium.com/@stanprokop/funding-businesses-in-canada-little-known-business-financing-loans-and-cash-flow-strategies-4b6430d448bd
Statistics Canada. "Survey on Financing and Growth of Small and Medium Enterprises, 2023." Government of Canada, 2024. https://www.statcan.gc.ca
Business Development Bank of Canada. "Alternative Financing: Growing Trends in Canadian Small Business." BDC Studies and Reports, 2024. https://www.bdc.ca
Linkedin/Stan Prokop/7 Park Avenue Financial."Business Finance Funding: The Complete Guide to Alternative Capital Solutions" .https://www.linkedin.com/posts/stan-prokop-5b52305_business-finance-funding-the-complete-guide-activity-7374132703807369216-3D4_/
Industry Canada. "Key Small Business Statistics." Innovation, Science and Economic Development Canada, 2024. https://www.ic.gc.ca
Canadian Bankers Association. "Small Business Banking Report: Trends and Insights." CBA Publications, 2023. https://www.cba.ca
7 Park Avenue Financial." Alternative Financing: Modern Solutions for Canadian Business Growth" . https://www.7parkavenuefinancial.com/business-finance-alternatives-funding-options.html
