Business Working Capital Finance Options 7 Park Avenue Financial

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Business Working Capital Options In Canada: Are You There Yet On Your Finance Options
Why It’s Good To Be Right About Working Capital



You've arrived at the right address! Welcome to 7 Park Avenue Financial

Financing & Cash flow are the  biggest issues facing business today




CALL NOW - DIRECT LINE - 416 319 5769 - Let's talk or arrange a meeting to discuss your needs



7 Park Avenue Financial
South Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8


Direct Line = 416 319 5769



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The business working capital search often has owners/financial managers/entrepreneurs with that ' are we there yet?)  feeling as they struggle for finance options for their companies. That's of course because that journey is often endless as your business grows / experienced challenges. The importance of being ' right' in this area can't be over-emphasized. Let's dig in.


Working capital is dependent on sales and assets, as you generate revenues which become receivables you’re in a better position to reduce your short term obligations such as payables and loan and operating commitments. The big ' IF ' is if you are turning those assets over and generating quality receivables. It all about how ' efficient' your business is, and that's what of interest to suppliers, lenders, or potential investors.


Problems often arise when sales fluctuate dramatically, leaving your company in a negative working capital position. The worst part of sales fluctuation is of course when sales go down dramatically- at this point not even better collections can reverse the tide. These times, your ability as an owner/financial manager is challenged to the hilt.


There are some ways to address working capital challenges in the absence of a sales slump. One of these is to sell of inventories if that asset class is a part of your business - one other solution is to consider a SALE LEASEBACK of existing assets.  Often simply trying to forecast your short term needs by careful analysis of your balance sheet accounts will also avoid cash crunches.


It's important to point out that every industry has different working capital needs, and some finance options will work for some but not all. Companies dependent on cash sales or fast inventory turns can often escape working capital drama. Even more challenging is the steep hill ' start-up ' businesses face as they try to be taken seriously by banks and commercial lenders. The ' shortlist ' of working capital solutions includes:


Bank Credit Facilities


A/R financing from commercial finance companies


Inventory finance - suited for retailers or as a combination of A/R and inventory business revolving credit facilities


Working Capital Term Loans


Asset-based non-bank revolving credit facilities.


PO Financing


Lease financing - preserves cash flow and credit lines as you match long-term assets with minimal cash outlay.


Sales/Royalty finance


In accessing the right working capital finance options for your business it's critical to be ' educated' about your firms overall financial position. Consider also seeking out and speaking to a trusted, credible and experienced Canadian business financing advisor who can assist you in ensuring you're ' right ' about the perfect finance options for your business.





' Canadian Business Financing With The Intelligent Use Of Experience '

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Stan Prokop is the founder of 7 Park Avenue Financial and a recognized expert on Canadian Business Financing. Since 2004 Stan has helped hundreds of small, medium and large organizations achieve the financing they need to survive and grow. He has decades of credit and lending experience working for firms such as Hewlett Packard / Cable & Wireless / Ashland Oil