ABL Financing in Canada. How do you know when it just might be time to both discover and utilize one of Canada’s best financing mechanisms for a business? There are in fact some strong signals and warning signs when it comes to switching to an asset based finance business credit line. It kind of sneaked up on us, but asset based finance is growing and becoming more popular everyday in Canada as a business finance mechanism. While banks and other lending institutions focus on cash flow and ratios and covenants the asset based line of credit lender sits quietly in the corner and focuses just on one thing- ‘ Assets ‘! We’re going to discuss how you can recognize some key early warning mechanisms around when to consider this method of finance, but the simple rule of thumb is that you have to have assets such as accounts receivables, inventories, lien free fixed asses, and even real estate… well lets just stay… you qualify! That’s why wholesalers, retail organizations, and manufacturers and service companies of all types are gravitating to ABL finance. We’re always surprised when we hear clients say they haven’t even heard of ABL. More so when you consider some of the largest companies in Canada have abandoned bank facilities and moved to ABL. While for the larger company asset based finance business credit lines can in fact cost less and be more flexible, the reality is that for the small to mid size sector the cost of such a facility will in fact be more than bank credit. But, consider this, if you don’t qualify for the amount of bank financing you need that lower interest rate doesnt mean much when you’re forced to restrict growth and focus almost all day on managing cash flow in an often crisis type mode. That’s when reasonable financing costs should be the least of your problems. Let’s get back to some of those early warning signs that just might signify your need to check out a new paradigm in business lines of credit. Sales revenue has a direct relationship to working capital needs. Because those higher sales and growth opportunities bring higher levels of receivables and inventory and of course higher levels of payables. Velocity, aka ‘ speed’. It not becomes a greater challenge to turnover assets to generate that working capital. It’s up to the Canadian business owner and financial manager to, as you’re growing establish what is acceptable in inventory levels, A/R collection days, as well as, oh yes, paying those suppliers. Two ways for you to monitor your financial cash flow and working capital needs over time are to keep a simple track of working capital to sales and working capital turnover itself. The former is calculated simply by taking your current assets and dividing them by sales for, say, an annual period. Working capital turnover is measured by taking you sales and dividing them by your working capital for any period. You then track those! Let’s say you kept track of your working capital turnover and notice the ratio is trending lower. That means poor working capital performance, and you probably are feeling this via cash flow pressures. When you utilize an ABL Financing facility you will find those assets can be monetized faster, with more liquidity in margining, resulting in higher borrowing power for working capital needs. Speak to a trusted, credible and experienced Canadian business financing advisor when you feel your firm just might be exhibiting signs of a need for a better way in a Canadian business credit line via asset based finance.

The secret about “The Secret” is it isn’t, and do not has been a secret. Yet while we are not taking a look at something, it may indeed appear to be a secret as told the first time that it exists therefore we don’t know about it. Nevertheless, every spiritual scripture speaks of The Law of Attraction – The Secret, as being a the Law of Cause and Effect – “…everything you sow you reap…”

However, unless at some point you have taken this quite literally and realize who’s applies to everything, that you are apt to think you will find exceptions, but you’ll find none. If you plant roses, you obtain roses. If you plant thoughts of limitation – regardless of the sort – the Unified Field, the Universal Subjective Mind, that section of God and that is “…no respecter of persons…” will provide you with everything you planted to use soil.

So what’s all of the fuss about? Why every one of the attention with regards to a big secret?

The world has reached that chaos in which the concept of humility has stopped being a sign of weakness but of strength. When we now have exhausted every clever intellectual contrivance to ‘fix’ the mess we have now created (whether we recognize we got or not), there comes a minute when we “release” our grip life and “allow” an increased knowing circulation through us.

That release moment has become happening on the global basis along with the guidance which is quickly flooding the open-minded space that is left behind is that, we create our personal reality through The Law of Attraction.

For some, what is this great will be deeply disturbing because they realize how vigilant they should be about what thoughts they permit to fill and flow through the male mind. For others, this happy news will likely be exhilarating because they discover new horizons of the opportunity to explore and manifest.

For some, a lot of whom have known about The Law of Attraction for quite a while, there’s already the realization connected with an easier flow of creativity like a subtle kind of resistance, which permeated the globe for ages, dissolves right into a collective agreement to adopt responsibility for the creation of a much more joyful co-existence operating who share this spinning planet.

Then, you will discover a few who’ve gone slightly further and have already got an understanding with the inherent Oneness of the things visible and invisible. For them this new paradigm can be a joyful leap from the consciousness from the One Mind toward enlightenment.

Wherever, you feel you might be in this exciting change in awareness, no doub it is a happy time and energy to be here, an exciting time for it to see whatever we can create and grow. May it provide you with as much joy which is for us.