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  • Commercial, business cash flow loans, of over $350k not based on leasehold and equipment.
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    Commercial, business cash flow loans, of over $350k not based on leasehold and equipment

Commercial, business cash flow loans, of over $350k not based on leasehold and equipment

WeCanFinancial.ca gets a lot of inquiries from entrepreneurs looking for commercial loans, for their businesses that do not fall into the small business loan program in Canada. Businesses without much equipment or leasehold improvements, but with strong cash flows, existing contracts or purchase orders. Typically these types of businesses, which we call cash flow businesses, finance all of their needs internally, or through family and friends. The reason for lack of institutional financing sources is very simple – in Canada there are not that many sizable cash flow lenders. WeCanFinancial.ca and our team works with 3 lenders in Canada that are capable of placing cash flow loans. In comparison – in US the number of such lenders is in [...]

Proper business plan for the business financing in 2016

Wecanfinancial.ca wrote on financial blogs many times of the importance of the business plan, in proper institutional format, in order for entrepreneurs to be able to qualify for any reasonable of meaningful business financing. In this article we will revisit many of the items that are extremely important for successful business finance application. We also will use some of the recent specifics that in our opinion help a lot for all new corporate finance and small business loan applications in 2016.
Business plan doesn’t have to be long, or necessarily too short.   In our recent survey, out of 15 financial institutions we found some of the major issues institutions have with the business plans, prospective borrowers or financial consultants [...]

  • Financing-for-Kindergarten-daycares-and-playgrounds-in-Ontario
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    Financing for Kindergarten daycares and playgrounds in Ontario

Financing for Kindergarten daycares and playgrounds in Ontario

With rules and regulations changing rapidly, financing for kindergartens and playgrounds is a common request that we get through our website and network of clients. WeCanFinancial and our associates helped many entrepreneurs over last 7 years to close purchases of similar operations. In this article we will discuss major issues in funding kindergartens, and will give some pointers that could prepare entrepreneurs for a future acquisition of kindergartens or even start-up.
Typical kindergarten size in Toronto from our experience is from 30-60 kids. Market still shows a shortage of locations in many busy Toronto residential hubs, making this business attractive investment with a fairly low risk profile for owners operators, or experienced enterprisers with a proven team behind them. [...]

  • WeCanFinancial-commercial-mortgage-and-loans-report,-outlook-for-2016
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    WeCanFinancial commercial mortgage and loans report, outlook for 2016

WeCanFinancial commercial mortgage and loans report, outlook for 2016

As usual we are talking about the outlook for commercial mortgages and loans, in the beginning of the year. Half of this article will talk about the outlook for commercial mortgages in the eyes of our analysts for the 2016, and the other half of this article will concentrate on other commercial loans such as small business loans, corporate debt, operating lines and inventory and factoring.
The beginning of 2016 started with the turmoil on the stock market, mostly driven by oil slide and Chinese currency risks. This turmoil pushed the bond markets up driving commercial mortgages rates up substantially. Variable rate clients are thinking of locking their rates in order to save on interest in case of further [...]

Wecanfinancial is becoming larger and better in 2016

Wecanfinancial is becoming larger and better in 2016. Small business loans, corporate finance, and private equity loans, and more will become available to a larger number of cities in Ontario. Also our team is working on possibilities to expand into markets of other provinces in Canada and potentially several US states, please keep tuned to our updates.
In this newsletter we will review the latest trends and changes that are constantly happening in our market.
Business planning becomes more important for small business loans and start up loans. The quality of writing and format of the writing matters more than usual. Criteria for most banks and corporate lenders are very tight therefore only the best quality deals are standing [...]

Business loans applications for food processing businesses

During the summer of 2015, WeCanFinancial received a volume of financing and business planning requests from companies in food processing sector. Most of the requests came from Vaughan, Woodbridge and Richmond Hill area, showing that this segment is actively moving to northern part of GTA. This article will discuss the financing issues and challenges that we see coming from entrepreneurs in this segment, and some solutions that our firm can offer to business owners in food processing sector.

Food processing business could be a very lucrative enterprise, it is consumables, it’s vibrant, and has huge retail chains that once your product is in – the sky is the limit. Development and expansion of food processing business normally is quite expensive [...]

  • Corporate loans and small business loans for non-typical businesses
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    Corporate loans and small business loans for non-typical businesses.

Corporate loans and small business loans for non-typical businesses.

Over the last several years WeCanFinancial.ca and our team, helped arranging financing for many service oriented businesses, transportation companies, service industry, high tech firms, doctors and professionals. Recently we received several interesting requests, which are considered unorthodox in financing community in Toronto.  In this article we will continue discussing corporate loans and small business loan products unified by EBL – Easy Business Loan program.
Hot summer in that is coming to Toronto is accompanied by an influx of new business financing and modeling requests. We see many entrepreneurs  striving to think out of the box, and develop new fresh and exciting business models. While entrepreneurs are working on their expansion and development ideas, WeCanFinancial.ca is working on business modeling, [...]

  • Small business loans and corporate debt for financial services companies
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    Small business loans and corporate debt for financial services companies.

Small business loans and corporate debt for financial services companies.

In our previous articles we discussed in details different avenues of financing IT services companies, manufacturing sector, professionals, Doctors, and many other sectors of economy. Entrepreneurs often ask us about different debt and small business loan products for financial sector. Brokerege firms, trading firms, corporate advisory and corporate management firms also constantly look for affordable and efficient financing products. In this article we will discuss several different options available for financial services companies, and hopefully will answer many questions associate with financing this sector of economy.
Most financial services companies that do not invest their company’s funds into passive investments or active investments could qualify under EBL (Easy Business Loan) program, without any specific requirements.  Since small business loans [...]

Easy Business Loan – EBL’s for health care services.

WeCanFinancial.ca gets a lot of financing and strategic management requests from businesses in health care and related services. Over the last several years, our firm provided services to medical clinics, rehab centers, diagnostics clinics, optical centers, hearing centers, podiatrists, weight loss centres, wellness centers and many other health care businesses. Small business loans, equipment financing, and operating lines were the most usual requests. Average financing request was $200k-$250k per client, which makes EBL program perfect for this segment of business.

Health care and health services are very rapidly expanding business segment in Ontario. Small and medium sized doctor’s offices and practices servicing doctors generate millions of dollars in revenue once full established and run at full capacity. Ohip and private [...]

  • Small Business Loans, Corporate Loans combined with Leasing.
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    Small Business Loans, Corporate Loans combined with Leasing.

Small Business Loans, Corporate Loans combined with Leasing.

Very often lately our firm receives request for small business loans or commercial debt that is way above institutional limits, or client’s debt service capabilities. This trend shows that more and more small/medium sized businesses are striving to spend more money in business development and product development. This trend also shows that there is a significant owner confidence, coming from various sectors of business and entrepreneurs running them. In order to simplify and allow our current and future clients more choices when it comes to funding business financing deals above $500k, we decided to show some options on how to combine small business loans and corporate loans with leasing options to achieve higher capital infusions through debt and leasing.