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Last Minute Travel And How To Find The Best Cheap Travel Deals

Sometimes if time is on your side the very best way to travel is Last Minute Travel. You can often find the very best cheap travel deals this way. Often you can find many such deals to even faraway places like Malaysia or Singapore or even some of your other dream locations. In fact more often than none the faraway places offer the best value for money when it is a last minute travel deal.Reasons Why Last minute travel deals are so good include:-

Because someone else has already paid for an expensive travel deal you can reap the rewards and even grab a bargain, because the travel company has already made their monies. The original buyer has canceled, thus the travel company no longer needs to make such a huge profit on the holiday as they have already made these profits from the original buyer. This is one of the ways you can grab great holidays at bargain prices.
You can often also benefit from holidays in 4 or even 5 star resorts, often at 2 star prices
There is also another very good reason why you would choose last minute travel over regular travel and this is because you can often get great travels deals to those far and away dream locations for small monies, that would usually only pay for a short stop holiday.
You can also usually get lots of extras thrown in for no extra monies like free transfers to and from the airports or even extra baggage allowances.
Disadvantages of Last minute travel include:-

You are limited to which hotels and resorts that you stay at due to the holiday usually being someone else’s booking.
Often the prices don’t include hidden costs including airport transfers and extra luggage costs
The dates are usually restrictive, because the holiday was previously booked for someone else’s timetable; these dates are not negotiable because they are the only ones available for the stated price.
Often the prices are based on 2 or 4 people sharing, Depending on how the original buyer booked their holiday will usually dictate on the board basis. Sometimes the prices stated are based on 2 people or even 4 people sharing and sometimes this can even be 6, however in this case they will usually allow the holiday to be split into 2 groups depending on how the accommodation was originally booked in the first place.
Even though Last Minute travel can sometimes be a little restrictive it can often be a very convenient and very cost effective way of traveling, as you can see above there are some very good reasons why people choose to travel at the very last minute, sometimes even booking the same day of travel. So if you are brave enough and you have a flexible holiday schedule at work or school why not try and book a holiday the last minute travel way and save yourself and your family a small fortune.

Business Capital Solutions In Canada: Accessing Proper Cash Flow & Commercial Financing

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.