Business cash flow finance in Canada. When it comes to financing we are the first to admit (with some level of guilt) that the term ‘ cash flow is king ‘ is a tad… shall we say ‘ over used ‘.

But it’s not a perfect world as we know, so simple spreadsheets and heavy duty analysis will not always deliver the financing you need. Real world solutions will, and we’ve got them. So let’s dig in!

Not everyone is always going to agree with you, the business owner/ manager as to what cash flow financing solution is optimal for your firm. We think we simplify that a lot by talking with clients in terms of either asset monetization or debt financing.

Also, if your company has any level of financial distress, serious or otherwise some solutions are going to always be more readily available and meaningful and accessible than others. Typically here’s where non bank solutions are going to work best. They include:

Sale leaseback strategies
Tax credit monetization
Non bank operation lines of credit (ABL’S)
Receivable and Inventory financing strategies
PO / Supply Chain finance

When you’re capital constrained the challenges of growing a business seem even more severe. Even investing in R&D can seem like a really tough call at that point. One innovate solution to R&D investment and cash flow saving is by utilizing an ‘ A S P ‘. It’s our acronym for a R&D Sred accrual line of credit – reimbursing you immediately for research expenses as you spend. Now that’s innovative!

We’re often asked if there is a difference between public company and private company cash flow solutions. Other than the disclosures required by firms that are public the solutions quite often are the same.

Asset acquisition and replacement is a big part of any finance challenge for businesses of all size. Whether you’re constrained by cash flow, budgets, technology issues, etc the business owner/manager should always consider effect forms of lease financing for new or to be replaced assets. Don’t forget also that used equipment can easily be financed these days, as the proliferation of things such as the internet allow lessors to easily determine market values of many types of assets, technology included .

So , in summary , yes you do have the ‘ right to remain silent ‘ about business financing possibilities revolving around growth, alternative forms of debt financing, and monetizing existing assets into business finance cash flow . A better choice? Seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your financing needs .