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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.

Nutritional counselors, also known as dietitians, help patients identify and manage food and nutrition-related concerns through short- and long-term treatment strategies. Nutritional counseling is commonly applied to patients experiencing neuromuscular or musculoskeletal disorders, digestive ailments, obesity, diabetes, menopause, pregnancy, allergies, among other conditions.By analyzing and assessing diet and exercise habits, nutrition is seen as a key factor in establishing and maintaining a healthy lifestyle. Without adequate nutrition, a large number of diseases can ensue in part due to the vulnerability placed on the body. Nutritional counselors aim to find integrated ways to set goals and help patients achieve them. When nutritional counselors assess patients, individual profiles are analyzed. The information the patient receives from the counselor is contingent on their lifestyle (vegetarianism, for instance), age, life stage (menopause, pregnancy), and medical history.Nutritional Counseling incorporates weight monitoring and education about weight, food records, self-control strategies, meal planning, and problem-solving skills. Instruction of food planning and self monitoring is seen as instrumental in getting patients to follow a specified program.The Work of Dietitians
Dietitians and nutritionists plan nutrition programs, helping to prevent and treat illnesses by promoting healthy eating habits while addressing dietary imbalances. They also recommend specific dietary changes to fit a person’s temporary condition. (Recommending extra folate for pregnant women, for instance.) Dietitians often work in hospitals and schools, applying their services through education and research. Clinical dietitians provide nutritional services to patients in institutions by assessing patients’ nutritional needs, developing and recommending nutrition programs, and evaluating the results with other professionals to coordinate medical and nutritional needs. Community dietitians counsel individuals and groups on nutritional practices aimed to prevent disease and promote health. They work as independent contractors with healthcare facilities or engage in their own private practice, screening clients’ nutritional needs and offering regulated approaches meeting them.Eating Disorders
The American Dietetic Association (ADA) sets guidelines and protocols for the practice of nutritional counseling. In 1996, it defined guidelines for medical nutrition therapy for many medical conditions related to nutrition, which included eating disorders.The American Psychiatric Association (APA) considers nutritional counseling as one of the most important treatment elements for people with eating disorders. Nutritional counseling is viewed for its role in motivating patients to agree to reestablishing healthy eating habits. In this context, nutritional counseling is seen holistically, in terms of how it fits into ongoing support to patients and their families.Nutritional counseling in this context attempts to correct irregular eating habits, replacing it with a balanced approach to food and weight control. It provides a synthesis of information and practices, drawing from many fields including cognitive-behavioral, relational, and educational techniques. It is considered a part of overall treatment, not as a single-source approach. As such, it employs the support of other treatment methods, which can include psychotropic medications and psychological counseling.Collaborative rapport between patient and counselor is considered essential for treatment success. The counselor addressed entrenched food beliefs, behaviors and attitudes revolving around food, how, when, and how much to eat it – amounting to a complex equation. Counseling environments must be secure, safe, and supportive, where the patient receives helpful information from the counselor in a direct but non-intrusive manner.How Nutritional Counseling Can Help Overall Health: Counseling can clarify questions related to nutrients, calories, and special food needs, showing what to look for when reading food labels. They can help sort through healthy cooking alternatives in real-life contexts while teaching strategies of self-control. (One may learn how to better select items from a restaurant menu, for example.)Digestive Problems – Dietitians or Nutritionists jointly work with physicians to establish dietary plans that are in keeping with a patient’s condition. They may recommend the removal of fried foods, spices or carbonation, while recommending other alternatives.Diabetes – Counseling can provide healthy food alternatives without sacrificing taste.Pregnancy – It can help ensure a pregnant woman is getting all the nutrients she needs, especially during the first three months of pregnancy, the crucial period that may affect a newborn’s risk for developing neural tube or spinal cord defects.Conditions that May Benefit from Nutritional Counseling HIV, Cancer, Hypertension, Organ Dysfunctions, Hypoglycemia, and Heart Disease.Most eating disorder centers and residential programs offer nutritional counseling. The benefits of receiving nutritional counseling includes improved ability to concentrate, a boosted immune system, stabilized moods, more energy, aid in recovery of eating disorders, and increase in overall health.