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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.

What makes a healthy diet? What are the building blocks of the best diet plan for you and your family? Can you really pick out any diet plan from the supermarket checkout lane magazines and lose weight but still stay healthy? Why are the foods that we love best often the worst for us? It is not an easy thing to talk about nutrition because there are so many myths and so much confusion surrounding it.And to add to all of this confusion, you may find yourself stuck trying to figure out who to believe or which of the “truths” are true for today. New studies may come along and show that something we have believed to be true or false all along is the opposite. Think of all the controversy that has surrounded fats for instance, or coffee, red wine, and other favorites. It may be next to impossible to keep up with every single fact about good nutrition mainly because there are so many of them and so many changes that come along it seems every day.Where Do You Get Your Nutrition Information?Where you get your information may be as valuable as what you find out. If you rely on getting all of the information that you need for your nutrition from the rag mags and other shaky sources, you are liable to be given information that is made up on the spot. If you are reading information about a fad diet for instance, you may find that you are not getting valuable or valid nutrition information but misinformation that has been skewed to prove their case and maybe to sell their products. Anyone can write a book, and they can make it look medical and factual, but if it is not backed up by legitimate studies, then you are simply reading the words that people want you to read- whether they are true or not.You should get your nutrition information from legitimate, up-to-the-minute sources such as your doctor, a dietitian, or a nutritionist. You may also read the news from legitimate and trusted sources – those magazines that are not just trying to push products but actually providing valid news and scientific facts.You can also get nutrition information online, however you should be careful about the sources that you are using. If you are simply pulling up information randomly, you may get confused. You may also stumble into sites that are only interested in selling products.What Makes Solid Nutrition?The first thing you should know is that there is no such thing as one size fits all when it comes to nutrition, although all humans need the same basic nutrients in their diet. They all need different amounts of these foods however. The number of calories that a person needs to take in each day determines how much protein, carbohydrates, and fats he or she needs to have. The number of calories varies by the height and weight of the person. The more you weigh, the more calories that you will need simply to maintain your current weight. If you are trying to lose weight, you need to reduce the number of calories that you take in, but not drastically. If you are not eating enough calories each day, you will shut down your metabolism and will not lose weight at all.In addition, if you are dramatically reducing your calories, it is a safe bet that your nutrition will suffer in the meantime. You have to make sure that you are getting the right vitamins and minerals as well as the right number of the macronutrients.Why is Nutrition so Important to the Body?The body uses food to heal itself, to protect against illness and injury, and to perform the everyday, normal activities. Every single action in the body, from the smallest to the most complicated, runs on the energy we derive from the foods that we eat. If we are only eating junk foods, then we will only have poor nutrition. If we are only eating bad foods, our body will become sluggish and we will gain weight, get sick, and be unable to move around like we should. The longer our diets continue to be made up of bad foods and the longer we continue to deprive ourselves of good nutrition, the more likely we are to become sick in addition to gaining weight.To keep the body strong and healthy, we need good nutrition. We need foods that keep up the energy level that we need to move around.Protein Supplements and other Ways to Get Proper NutritionIt may be difficult to get all of the protein or other nutrients that you need to meet your nutrition goals. You may be struggling to lose weight thinking that you can achieve this goal by eating way less than you really need. The problem, however, is that you are not only failing to meet your calorie goals for the day, you are probably killing your metabolism and failing your nutrition in the meantime. Having a protein supplement in place of a small meal or as a between meal snack can help you get the nutrition you need without having to add a huge number of calories to your diet.

Introduction to digital marketing:Digital Marketing can be defined as promoting of brands or products and services using all forms of digital advertising. Digital marketing uses Television, Radio, Internet, mobile and any form of digital media to reach customers in a timely, relevant, personal and cost-effective manner.Ways to do digital marketing:1. Search Engine Optimization2. PPC3. Email Marketing (factors such as subject line, quality, and personalization are matters)4. Social Media Marketing5. Digital Display Marketing6. Mobile Marketing7. Content Marketing (It also includes blogs, eBooks, webinars, White papers and a variety of other outlets.)8. Traditional Marketing MethodsStrategies and their Introduction:1. Search Engine Optimization (SEO):SEO helps to make a website to be founded in Search Engine Results Page (SERP) for desired Keywords. SEO helps to build a brand.Process: Measurable link-building and the creation of quality viral content are respectable marketing processes that work.SEO’s return on investment (ROI) fluctuates as PPC (see below) rises and falls, and organic search results are more trusted than paid advertising.That’s why SEO is more worthwhile over time. This includes:• Keyword Analysis• On page optimization (optimizing a website in page level)• Off page optimization (building quality back links to web site and to web pages)• Building authority for brand terms (This includes company profiles in major Social networks)• Website health checkups (checking technical issues)• Analytics Reports (Provides how our campaigns are working by seeing traffic)2. PPC:PPC helps to get traffic from Search Engines for targeted keyword terms. The benefit of this process is that, we are going to pay only for the clicks that we have received.Google AdWords is the most popular PPC program.Strategy: Identifying converting keywords, effective bidding process to keep the costs low etc…PPC marketing provides instant results because it generates visitors quickly and also lets you measure your budget and ROI appropriately. Becoming well-versed in Google AdWords helps your company take full advantage of the potential benefits of PPC marketing.3. Email Marketing:Email Marketing is most traditional form of digital marketing, yet it gives exceptional results if we can personalize every email.Important things to consider:Step 1: gathering email IDs list. (Offering something like a PDF, eBook etc… , at our website, can be helpful to gather recipients email IDs.)Step 2: A service like Aweber.com, mailchimp.com can be handy for instant reply messages and managing newsletter campaigns.Step 3: Personalization is very important for a successful email campaigns. Personalization should be in Subject line, Body of the Message.And the factors like catchy “Subject line” and “brief message” motivates the recipient to visit the targeted page.News Letters: They are a wonderful way to engage with our community by sending weekly or monthly newsletters.4. Social Media Marketing:Social Media is the most and the very cost effective digital marketing strategy to engage with existing customers and to build a brand name across different Social Media communities.First, define your goals. What are you trying to get out of social media?Strategy: This starts with identifying right channels for the type of business we are in.Step 1: creating business profiles on Social Networks: Facebook, Twitter, LinkedIn, Google+ & PinterestStep 2: using photo sharing services like Flicker, Instagram etc…using video sharing services like YouTube, Vimeo etc…
using PPTs sharing service like SlideShare…
using PDF sharing services like Scribd.com, SlideShare.com etc…Step 3: Starting activities which represents your company business sector.Step 4: Building a community at these third party Social Sites.Step 5: Develop an editorial calendar to plan when posts go up, or manage your social media content stream through a platform such as Hoot suite.5. Digital Display marketing:• This includes paid advertisements (mostly image banner ads and video ads) on websites, portals, blogs which related to our industry.• This works well because the pages displaying these advertisements are conveying something throughout their website, which is our business industry. So, the rate of converses is good in this process.• With this display marketing we can raise traffic from the ad providing site and thus we might gain some leads with conversion rate strategies.6. Mobile Marketing:Before going to start this campaign we need to be sure that can we offer our services which can be accessible through mobile phones? If yes, then optimize your site for mobile phones.• Optimizing website for mobile is important.Mobile marketing includes… mobile search, content presentation (optimized site), display ads (PPC) and mobile compatible emails.7. Content Marketing:Content Marketing is a popular trend in digital marketing as it includes blogs, eBooks, webinars, White papers and a variety of other outlets.All these are signals for freshness of the website. Google likes the sites which updated frequently and provides great deal of info.The information that we provide should answer some question or show some solutions to a problem. So that it will gain respect and can be shared at online.Note: This content marketing alone will work with almost all other online marketing campaigns.8. Traditional Marketing Methods:Digital marketing not only depends on internet. Apart from that it extends beyond this by including other channels such as mobile phones or cell phones, display banner ads, SMS /mms and digital outdoor etc…
All of these can be effectively used to build a brand name for an organization. Most of these are paid and when we have some campaign regards any public service that we can offer, we can get coverage by the following media for free of cost. In other words, they are earned.Television: Advertisements (paid)Radio: Advertisements (paid)Newspapers: Advertisements (paid) and News created by any activity done by organization (earned).News created by a program which offers some of the services to public for free (earned)Magazines: Advertisements (paid)Conclusion:Strategies made for an organization are completely depends on their business model, the products they offering and the types of services they offer etc… However these are main and most used methods in best digital marketing service and we can inter relate them for any desired results.