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This is a list and description of the most common forms of commercial financing. There are new products and ideas coming out all the time. This list represents financing tools that we have access to.
PRIVATE PLACEMENT BUSINESS LOANS
(Borrow your own RRSP savings without triggering early redemption tax penalties.)
ALP Ltd. has access to an innovative product which allows you to borrow an amount equal to the amount you invest in a 100% RRSP eligible private placement. This can be a new RRSP contribution or you may move retirement funds that have been invested with another institution, a pension from a previous employer (LIRA) is also eligible. Borrow funds with competitive interest rates while you continue to earn money on your RRSP investments. These loans can be used for business, investing or investing in real estate. You can use this program to obtain money for a down-payment towards a mortgage or business purchase.
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EQUIPMENT LEASE
Have you ever tried to get your bank to finance your business equipment with zero down payment? Most banks would not even consider this, yet your ALP Ltd. Business Finance Consultant can offer you up to 100% financing for just about any type of business equipment. This allows you to conserve your cash for other uses and at the same time, can allow your business to write off 100% of the lease payments. We can even consolidate multiple equipment purchases from different vendors into a single lease.
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FACTORING
Why wait 30 or 60 days for your clients to pay invoices? With Accounts Receivables Factoring you can receive up to 90% of the money due your company in only 2-3 days. The balance is paid out when your customer pays their bill (less applicable fee.) Our pool of investors specialize in buying invoices from companies like yours. This can be done regardless of your credit. One of the biggest advantages of factoring is that you have the use and access to a professional commercial credit department to evaluate new accounts. A service that most small to medium sized businesses would find cost-prohibitive to establish on their own.
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REVERSE FACTORING
This is factoring arranged and paid for from the customer’s side of the transaction. If you import goods from other countries or even from a vendor in Canada and need to pay in advance of receiving goods, reverse factoring may be for you. In a reverse factoring transaction, the factor advances the funds to make a purchase. When the goods arrive, you pay the factor their money back plus a fee. This is particularly of interest when ordering goods from countries such as China, India, or Brazil where long lead times can tie up your money in unproductive ways.
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GOVERNMENT GUARANTEED BANK LOANS
Over 90% of businesses are considered "small businesses" by the government's criteria. If your business has less than 100 employees and does less than $5 million in annual sales, a loan through the government guaranteed loan program may be your best option. ALP Ltd. Business Finance Consultants specialize in helping business owners navigate through the maze of government and bank paperwork.
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BUSINESS PURCHASE LOANS/COMMERCIAL LOANS
Whether to buy a business or for financing growth, equipment, or acquisitions, standard term commercial loans are available from our wide variety of lenders. Some of these lenders may approve borrowers with less-than-perfect credit histories
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Learn more about how much a business may be worth at
www.BusinessAndAssetValues.com
COMMERCIAL REAL ESTATE
If you are considering the purchase or construction of Commercial Real Estate, ALP Ltd. can offer to arrange financing and has access to some of the most aggressive programs in the industry. With loan terms up to 25 years you'll be surprised at how easy owning Commercial Real Estate can be. We can arrange mortgages on properties that traditional lenders simply will not do. ALP Ltd. is a member of the Canadian Association of Accredited Mortgage Professionals.
Are you interested in NB Income Properties? Visit www.NBIncomeProperty.com
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START-UP FINANCING
If you are planning to start a business, your best opportunity to obtain financing may be the assistance offered by your ALP Ltd. Business Finance Consultant. Through our network, we have provided capital for hundreds of start-up businesses nationwide. ALP Ltd can also steer you towards applicable government programs that you may qualify for.
PURCHASE ORDER FINANCING
A large order can be welcome for any manufacturer. A problem sometimes lies in financing the raw materials and production inputs to assemble the order before delivery. Purchase order financing can advance funds to help produce the goods that have been ordered by your customer. Purchase order financing is not dependent on your business credit history but rather that of your customer.
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LINES OF CREDIT
A line of credit can be one of the most useful financial tools for a small business. Your ALP Ltd. Business Finance Consultant can help you determine if this is the right transaction for your business. You will be guided through the transaction every step of the way.
SALE LEASEBACKS
It sometimes becomes necessary to try to extract value from a company to finance growth or the acquisition of new equipment. A sale leaseback arrangement can help unlock the value in equipment your company already owns while you still get to enjoy its use.
FRANCHISE FINANCING
If you are considering the purchase of a franchise business or related business, your ALP Ltd. Business Finance Consultant can help you achieve the dreams of buying your own business.
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BUSINESS CASH ADVANCE
If your business accepts Visa, MasterCard, or Interac, ALP Ltd can help use this cash flow to arrange short-term loans that can be used for almost anything in your business. This form of financing is particularly useful to those in the retail and restaurant trades, two industries that have always had trouble finding financing. Business Cash-Advance is approved or declined based on your company’s flow of sales. Traditional lending evaluations such as balance sheet ratios or your personal credit rating are of less importance. This form of financing can be used to raise between $5,000 and $175,000 very quickly, sometimes within seven days.
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EQUITY FINANCING
Equity refers to money placed in a business by the owner. Equity financing basically suggests that a new partner invests in the business. This investment can take many forms such as buying common shares, preferred shares, or other convertible instruments like bonds that can be changed into common stock if certain conditions are met. In using equity financing, entrepreneurs risk diluting their ownership position since the new money is in some ways a “partnership.” Likewise, the equity investor is subordinated to other debt holders and in the event of a business failure stand a lesser chance of getting their investment back in the liquidation process. As a rule, ALP Ltd. does not undertake to arrange equity financing, although we certainly will discuss it with you as a potential solution to a financing problem.
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