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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.

It was my opinion that everybody gets enough nutrients in their diets and that nutritional health supplements were a waste of money. Having played competitive sports for many years, my belief was that women’s or men’s health supplements are only for athletes or body builders. I was wrong! The health benefits of supplements are for everybody and anybody who lead busy, stressful lives. Physically active or inactive, healthy or unhealthy we can all benefit from an herbal nutritional supplement or natural vitamin supplements. I learned this the hard way through personal experience.I had not realized that proper nutrition can be difficult to achieve for many people. Healthy living is difficult when most people do not get enough nutrients in their diet. For example, many cannot get the recommended daily allowance of fruit and vegetables each day. Forgetting nutritional supplementation is no longer an option if we want total nutrition. Unfortunately, the problem is bigger than I thought when you consider all the factors that come into play;Many fresh foods are no longer meeting their optimal nutritional potential. In many cases they are grown in soil that has been farmed excessively and are picked before their prime so they do not over ripen during transportation to market.
Vitamins and minerals may be lost during storage, preparation and cooking.

The purchasing and eating of less nutritious processed foods is common for many who do not have to shop and prepare meals from ‘scratch’.

During the busy week when we do cook, our meals may not be varied enough to offer a variety of nutrients.

We may not change our diet when we need to with age. As we age we need different nutritional supplementation as we digest and absorb certain vitamins and minerals differently.

Some nutrients are simply hard to obtain. For example, the Essential Fatty Acids (EFAs) available in Salmon oil capsules.

In general, there is a lack of education on nutritional health supplements, healthy food options and cooking.

In my particular case my wife was more at risk. Although, we did eat healthy meals we were not aware of the health benefits of supplements. Unfortunately, we were also dealing with a lot of stress at the time. Stress plays a large role in what nutrients you are using and absorbing in addition to the fact that the ‘knot-in-her stomach’ was inhibiting her appetite. Many women are more in need of herbal nutritional supplements or natural vitamin supplements simply because they consume fewer calories than men.As a result this lead to higher levels of stress and fatigue. Weak, she was prone to illness and mood swings. Hair loss, poor skin complexion and digestive system problems followed. It was a vicious circle leading to more stress and fatigue. It took a this extreme situation for us to realize the need for supplements for general health. A necessary solution for many to meet their daily nutritional needs is simply nutritional supplements whether its women’s health supplements or multi-vitamins, herbal nutritional supplements or natural vitamin supplements. The benefits are obvious;
Improved energy

Reduced frequency of mood swings

Less prone to fatigue and depression

More resilient to stress and illness.

Better overall health as we feel better mentally and physically.
Based upon my wife’s fatigue and illness, we had waited too long and she was in need of a nutritionist. In addition to joining a gym (which helped her appetite) my wife was recommended to take a few key women’s health supplements;
Salmon oil capsules because of the benefits of the Omega 3 Essential Fatty Acids. General good health, improves brain function even reduces the symptoms of PMS. It has also been shown to help anger, depression and stress.

A digestive health supplement; as we age and enter different stages of life our nutritional needs also change. Digestive health supplements may be required as our ability to digest certain foods changes with age. Some vitamins and minerals may be consumed very quickly others may not be absorbed into the body as readily. Lactose and gluten (found in wheat products) may be more difficult for our body to process as we age.

Multi-vitamins or a targeted multi-nutritional kit to promote general health with women’s specific needs in mind.
All these nutritional supplements were easy to find and even available on-line which works well with her busy schedule.My wife’s situation was an excellent example of how women are susceptible to the effects of poor nutrition. She has demonstrated the benefits of total nutrition via nutritional supplements and a healthy diet. Today, she is healthy and living a physically active lifestyle. I am grateful that she is such a wonderful role model to our daughters and others who may also be in need of nutritional health supplements and a better, balanced life.For more information on nutritional supplements, general nutrition, physical activity and stress management please visit www.bamboohealthproducts.com

When you finish your pharmacy technician course, you would still need to go through one more step before you can work as one. You need to become a certified pharmacy technician, often abbreviated as CPhT. The PTCB exam is given three times every year for those who want to aspire to be full pledged pharmacy techs. Only a few states in America require pharmacy techs to get certified but it pays to undergo the exam in case you get a job elsewhere that will require you to be a certified pharmacy technician. You will realize that many employers prefer certified pharmacy technicians over non certified ones because they possess official recognition that they are qualified to do the job.The purpose of the exam is to make sure that anyone who will be pursuing a career in pharmacy technology will have the basic knowledge required in this field. The exam will also make sure that you have the foundation as well as the proper training in order to meet the daily requirements of the job. The exam tackles the core knowledge and skills that are expected from a good pharmacy technician. The certification exam also is a regulatory procedure by the government to make sure that the health professionals who give health care to the patients all around the country are all qualified to do so. It ensures the safety of the citizens of the country.There are a few requirements before taking the certification exam for pharmacy techs. First, you must possess a high school diploma, GED or its equivalent if you are from another country, and you must be clear of any drug related cases in the FBI, or its foreign equivalent. Furthermore, you must no be under any form of limitation from any State Board of Pharmacy.If you have satisfied the prerequisites above, then you are eligible to take the exam. You need to pass the PTCB exam to be able to be awarded the pharmacy technician certification status. It is best that you review your past courses in your pharmacy technician programs and concentrate on getting the basics and foundation memorized by heart. This is a very important exam that can be the start of your career.Certifications are renewed every two years. For each recertification that a pharmacy technician undergoes, there is a required 20 hours of further education within the two year period prior to the certification exam day. This means that the candidate must be able to take refresher courses from the desired college, organization, associations or pharmacy technician programs, with at least one hour pertaining to pharmacy law. Ten of the 20 hour requirement can also be earned under direct supervision of a pharmacist. The continuing education requirement is a great opportunity for the candidate to refresh his memory about the core knowledge and skills needed by a pharmacy technician and it is also a chance to be updated with the developments in the field.The Pharmacy Technician Certification Board exam will be taken using a computer and not a paper and pen, as it was previously administered a few decades ago. It has 90 multiple choice questions that cover the basics in pharmacy technology such as assisting pharmacists in providing service to various patients,maintenance of medication and systems that concern inventory control, and role and participation in the administration and management of good pharmacy practice. These are the topics that the Board feels are essential to having a well rounded pharmacy technician who is fit to serve the vast group of patients all over the United States of America.