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Growing your own vegetables every summer can be a very rewarding experience. Nothing tastes better than juicy homegrown tomatoes straight from the vine and cooking your own homegrown vegetables can bring a great sense of satisfaction after all that hard work in the summer heat.Many people enjoy gardening so much, they’re upset to see autumn weather start to make an appearance and their growing months start to wind down. However, gardening doesn’t have to be a seasonal hobby any longer. Hydroponic gardening allows gardeners to bring their crops indoors when the snow begins to fly, so they can enjoy fresh tomatoes, peppers and lettuce all year long. There are many benefits to hydroponic gardening to consider.Gardening AnytimeBecause hydroponic vegetable gardening does not use soil to grow crops, the environment can be completely controlled by the gardener. This is especially true when plants are grown indoors, away from potential pests and disease that lurk outside. Gardeners have full control over which nutrients the crops receive and how much and how often they receive them. Being able control variables like lighting and water help to ensure the healthiest plants and the best possible harvests. Many gardeners enjoy this aspect of hydroponic gardening most of all, since it helps alleviate the frustration of fighting natural pests and diseases that are common to traditional outdoor gardens.Good for the EnvironmentAnother big plus for hydroponic vegetable gardening is that it is kind to the environment by using recycled water and nutrients. Hydroponic vegetable gardening can also produce bumper crops in a fraction of the space it takes to grow a traditional vegetable garden. In fact, much hydroponic vegetable gardening that is done consists of plants placed vertically in hanging tubes or on shelves, so many plants can be grown in just a few square feet of space. With space at a premium on our earth today, this conservation of space is a huge contribution to the conservation of our planet.Ability to Garden Year RoundSince hydroponic vegetable gardening is not dependent on natural elements like sun, rain and warm temperatures, an indoor garden can be grown anywhere and anytime. Many gardeners do their hydroponic vegetable gardening indoors in the winter, using containers and artificial lighting to meet the needs of the plants. This means that gardeners no longer have to shut down their hobby when the snow begins to fly; instead they can enjoy a growing season that literally spans all twelve months of the year. With the many kits and supplies available today, it is not hard to begin hydroponic vegetable gardening at home simply and successfully.It is no wonder that hydroponic gardening has taken the gardening community by storm in recent years. If you are looking for a way to expand your gardening repertoire, enjoy gardening any time of the year, check out the possibilities in hydroponics today.

Business capital requirements in Canada often boil down to some basic truths the business owner/financial mgr/entrepreneur needs to address when it comes to financing for businesses.

One of those truths? Knowing the true state of their financial condition and what financing they do and don’t qualify for when it comes to meeting commercial lending requirements in Canadian business.

Business Loans In Canada

Whether you are smaller or start-up firm looking for information on how to get a business loan or a larger established firm looking for growth financing or acquisition opportunities we’re highlighting 3 mistakes that commercial loan seekers like your company need to avoid making when addressing, sourcing and negotiating your cash flow / working capital and commercial financing needs.

1. Understand the true condition of your company finances – These are almost always successful addressed when you spend time on your financials and understand how your financial statements reflect your access to commercial loans & business credit in general

2. Ensure you have a plan in place for sales growth and financial needs as it relates to commercial financing

3. Understand that actual hard facts about cash flow which is, of course, the lifeblood of your company

Can you honestly answer or feel positive about all those 3 points. If so, pass Go and collect $ 100.00!

A good way to address your company’s finance plans is to ensure you understand growth finance solutions, as well as how to manage in a downturn – i.e. not growing, losing money, etc; It’s never fun to fund yourself in an economic or industry downturn such as the COVID pandemic of 2020!

When we talk to clients of new or established businesses it seems they are almost always talking about sales, so the ability to understand and focus on the differences in their profits and cash fluctuations is key.

How do cash flow and sales plans and projections affect the type of financing you require? For one thing sales growth usually starts out by consuming your cash, not generating it. A poor finance plan will drag your business down and addressing financing simply gets tougher and tougher.

Three basics always emerge when it comes to your search for the right business capital and financing.

1. The amount of financing you need

2. The type of financing (debt/cash flow/asset monetization) The business loan interest rate will be dramatically affected by whether you choose traditional or alternative financing solutions. Private business loans in Canada come from non regulated commercial finance companies most often known as ‘ alternative lenders ‘. These lenders are typically highly specialized in one ‘ niche ‘ of business financing and may be Canadian firms or branches of U.S. banks and non-bank lenders

3. How the financing is structured to be manageable with your day to day operations

What Finance Company In Canada Can Meet Your Borrowing Needs & Why Is Capital Important In Business

Let’s identify and break down key financings your firm should know about and understand if they are applicable and achievable to your business. They include:

A/R Financing / Factoring / Confidential Receivable Finance

Inventory finance / floor planning / retail inventory

Working Capital term loans

Unsecured cash flow loans

Merchant working capital loans/advances – these loans are geared toward short term cash needs and are typically one year in duration. Loan amounts are typically 15-20% of your annual sales revenues.

Royalty finance

Asset based non bank business lines of credit

Tax credit financing (SR&ED bridge loans)

Equipment Leasing / Sale leasebacks – Equipment financing in Canada is used by almost 80% of all companies looking to acquire new, and used, assets.

Govt Guaranteed Small Business Loan program – Government Loans in Canada are sometimes referred to as ‘ SBL’, aka Note: BDC Finance solutions are available from this Canadian non-bricks and morter crown corporation. A small business loan via the government-guaranteed loan program comes with true flexibility around term loan duration, market rates, no pre payment penalties, and of course the low personal guarantee that is required by borrowers. These two ‘ government ‘ loan solutions are often perfect for financing a new business.

If you’re focused on not making mistakes in your business finance needs and want to capitalize on the solutions your competitors are probably already using seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow and commercial financing needs.

Stan has had a successful career with some of the world’s largest and most successful corporations.

His employers over the last 25 years were, ASHLAND OIL, ( 1977-1980) DIGITAL EQUIPMENT CORPORATION, ( 1980-1990) ) CABLE & WIRELESS PLC,( 1991 -1993) ) AND HEWLETT PACKARD ( 1994-2004 ) In 2004 Stan founded 7 PARK AVENUE FINANCIAL – He is an expert in Canadian Business Financing.