Get The Funding You Need For Your Business

Leasing business equipment and tools preserves capital and provides flexibility but may cost you more in the long run.

No matter what your looking to finance, we can help arrange the appropriate financing with the right lenders.

Businesses have different financial needs depending on whether they are at the start-up, growth, or maintenance stages in their development. Many clients wonder about the actual or potential advantages for utilizing a particular type of financing versus the immediate and on-going costs associated with such financing

It's important to get the right financing for the right reasons.

Debt-restructuring may reveal opportunities.

During challenging economic conditions, it is tempting for smaller or less experienced companies who require external financing for working capital and growth to leap at the first couple financing term sheets which are offered. We recommend that clients ask an experienced advisor to review such documents as the less-than-favourable nature of some of the financing terms is not always apparent.

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Financing Types

Term Loans

A term loan is set for a period of time and includes interest or interest and principle payment over the period of the loan. Loan payment amounts can be reduced by extending the amortization period. Example: 5 year loan with a fixed rate of 5.85% and an amortization period of 20 years.

Revolving Credit

Revolving credit is a type of credit that does not have a fixed number of payments, in contrast to a term loan. Revolving credit typically has a floating rate or the current prime rate plus an additional amount. Example: Prime+2%

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Lease Financing

A finance lease or capital lease is a type of lease, where:

-the lessee (customer or borrower) will select an asset (equipment, vehicle, software);

-the lessor (finance company) will purchase that asset;

-the lessee will have use of that asset during the lease;

-the lessee will pay a series of rentals or instalments for the use of that asset;

-the lessor will recover a large part or all of the cost of the asset plus earn interest from the rentals paid by the lessee;

-the lessee has the option to acquire ownership of the asset (e.g. paying the last rental, or bargain option purchase price);

The finance company is the legal owner of the asset during duration of the lease.

However the lessee has control over the asset providing them the benefits and risks of (economic) ownership.

Letters Of Credit

A letter of credit is a document that a lender issues to a seller of goods or services which provides that the issuer will pay the seller for goods or services the seller delivers to a third-party buyer.The issuer then seeks reimbursement from the buyer or from the buyer's bank.

The document serves essentially as a guarantee to the seller that it will be paid by the issuer of the letter of credit regardless of whether the buyer ultimately fails to pay. The risk that the buyer will fail to pay is transferred from the seller to the letter of credit's issuer.

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New Start-Ups

If you have ever wanted to start your own business, you recognize that obtaining the proper financing is the biggest obstacle to getting your business off the ground. Let us arrange the financing for your new business so that you can focus on getting your business launched. Contact us to help you get your business started before someone else takes your idea or opens up in that perfect location before you do.

Purchasing Existing Business / Acquisitions

If you are looking to purchase an existing business for the first time or are looking to compliment your existing company, we can arrange the financing so that you can focus on the details of ensuring the purchase is a success. Being a business owner is hard enough work, without having to navigate the endless applications.

Shareholder / Management Buyout

If you are looking to purchase the shares from a shareholder or purchase the company from management, we can help arrange the financing. From retirement, to relocation to shareholder disputes, we can help arrange the financing for a successful buyout.

Bridge Loans

A bridge loans is a short-term loan that is used until a business secures permanent financing or removes an existing obligation. This type of financing allows the user to meet current obligations by providing immediate cash flow. The loans are short-term (up to one year) with relatively high interest rates and are backed by some form of collateral such as real estate or inventory. If you think a bridge loan can help your business, we can help make it happen for you.

Business Expansion

If you are looking at moving or expanding to a newer location, purchase or lease new or additional equipment, increase inventory, add more staff or invest in sales and marketing, your retained profits may be growing at a slower pace than your ability to finance your growth internally. We can help get your business fast-tracked to gaining market share and growing your profits. Take advantage of new business opportunities or risk having your competitors leave you in the dust.

Debt Restructuring / Re-financing

Debt restructuring or re-financing is the replacement of old debt with new. Taking advantage or lower rates, better terms, longer amortization,release of a piece of security, equity take-out, not meeting the financing covenants (such as key ratios) of the existing lender are the main reasons someone may consider the restructuring of their debt.

Equipment Financing

You choose the equipment you want, negotiate your best price and we will arrange the best financing. Manufacturing equipment, CNC's Lathes, press machines, restaurant equipment, printing equipment, medical equipment, automotive shop equipment, construction equipment, materials handling equipment, agricultural equipment, etc. If it's equipment that contributes revenues to your company.

Equity Loans & Mezzanine Financing

Mezzanine financing is a form of debt/equity financing solution provided through subordinated debt, preferred stock, or equity ownership to fund the expansion, M&A growth, restructure, or cash flow needs of a company without the business losing its control or majority shares. Although the interest is typically higher for mezzanine financing based on risk factors, businesses do not have to provide any collateral up front. However, mezzanine capital funds are entitled to ownership equity should the loan enter default.

Franchise Financing

If you are looking at opening or purchasing a franchise, we can assist you in obtaining the financing that is most appropriate. Depending on the franchise type, various options are available. Food and restaurant, retail, service, hospitality, printing, gas station, sales, education are only a few of the types of franchises we can help get financing.

Leasehold Improvements

Leasehold improvements are fixtures or improvements that are attached to the retail or commercial space and installed by the tenant (or landlord) when setting up a new location. This includes walls, floor coverings, some equipment, cabinets, light fixtures, doors, signage, etc.

Letters of Credit

A letter of credit is a document that a lender issues to a seller of goods or services which provides that the issuer will pay the seller for goods or services the seller delivers to a third-party buyer.The issuer then seeks reimbursement from the buyer or from the buyer's bank. The document serves essentially as a guarantee to the seller that it will be paid by the issuer of the letter of credit regardless of whether the buyer ultimately fails to pay. The risk that the buyer will fail to pay is transferred from the seller to the letter of credit's issuer.

Operating Line of Credit

An operating line of credit can help ease the cash crunch between the timing of your payables and receivables. It can also support the purchase of additional inventory or hire additional staff during peak periods.

Professional Practices

We can arrange financing for medical, dental, laboratory, diagnostic imaging, veterinarians and engineers . We understand your business and your individual needs.

Purchase Order Financing / Factoring

A creative financing option that allows you to accept purchase orders, regardless of your current cash situation. This will give your company the ability to increase your sales and to finance that growth through acceptance of purchase orders. A key requirement is that the purchase order comes from a credit worthy commercial or government client.

Receivables & Inventory

Account Receivable (A/R) financing is the use of revolving short-term financing secured by receivables (typically a percentage such as 75%) . The financing of accounts receivable is facilitated if customers are financially strong. Inventory financing is the use of inventory as collateral for a loan which is typically revolving (and based on a percentage of inventory such as 20% or 50% at cost or book value). It requires marketable, nonperishable, standardized goods with fast turnover. Inventory should preferably be stable in price.

SR&ED Tax Credit Financing

SR&ED Tax Credit Financing allows you obtain the funds from your claim as soon as you file with CRA as opposed to waiting up to several months to receive the claim. Taking your claim as security, you can have a portion of the amount forwarded to you. It is a short term loan with higher interest rates than conventional financing.

Venture Capital

Venture capital financing is private equity capital that is provided as seed funding to early-stage, high-potential, growth companies and more often after the seed funding round as growth funding round (also referred as series A round) in the interest of generating a return through an eventual realization event such as an IPO or trade sale of the company.

Working Capital

A working capital loan is a loan used by companies to cover day-to-day operational expenses. It is intended to provide funding over a period of growth or as they transition from a time of hardship on the operations such as seasonal hardships.

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