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Changes to SBA 7(a) Loan Fees – What you Need to Know

September 13, 2023

The U.S. Small Business Administration (SBA) has recently completed its annual review of the fees that it charges lenders under the 7(a) small business loan program.  This process sets out…

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How to Establish Business Credit for the First Time

August 31, 2023

Access to business credit can be a lifeline when businesses most need it, providing cash flow for payroll, purchase of goods and services and investment into expansion. For new businesses,…

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Understanding Accounts Receivable Turnover Ratio for Business

August 16, 2023

Accounts receivable turnover ratio, also known as debtor turnover ratio, is an accounting measure used to calculate how efficient a company is in managing credit and collecting receivables from its…

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Understanding Business Acquisition Financing

August 10, 2023

At the simplest level, business acquisition financing is the capital that needs to be obtained for a company to purchase another business. This finance can be in the form of…

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A Guide to Accounting for Factored Receivables (inc Example)

August 2, 2023

When you begin invoice factoring, your invoices are transferred to the factoring company for collection and they cease to be a debt (or liability) on your balance sheet. Accounting for…

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Why Do Companies Outsource? Hiring from Outside

July 13, 2023

Companies who outsource in 2023 are doing it for the very same reasons as companies that were considered early-adopters in the late 1980s. Whilst the reasons for outsourcing remain largely…

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What to Do When the Bank Says No : Alternative Business Funding Sources

June 21, 2023

Obtaining bank financing has always been difficult for certain businesses and the current economic environment is making it even more so. Unfortunately, widespread turmoil in markets both at home and…

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Recycling Industry : From Niche to Mainstream

June 13, 2023

Awareness around environmental impact and prevention of climate change has really gathered pace over the past 40 years, shaping the recycling industry as it stands today. It was only after…

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Off-Balance-Sheet Financing : Purpose, Place and Planning in Business

May 24, 2023

Off-balance-sheet financing (OBSF) is an alternative method of business financing that may be used in specific situations where traditional bank financing isn’t an option. Off-balance-sheet financing refers to a practice…

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Partnerships that Protect Treasury Management

May 9, 2023

Treasury management is the process of managing an organization’s financial resources in order to optimize cash flow, minimize financial risk and maximize investment returns. In the case of banks, treasury…

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Disclosure Laws Incoming – Commercial Lenders Prepare to Comply

April 11, 2023

Many U.S. states have either already introduced commercial lending disclosure laws or are in the process of passing new legislation. These new laws are requiring commercial lenders to make consumer-type…

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Canadian Labour Market Defies Expectations – What Next for Businesses?

March 2, 2023

Statistics Canada recently published their monthly labour force survey which showed unemployment held steady at 5% in January. That figure doesn’t say much in itself but underlying that stat is…

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Business Debt Consolidation – Everything You Need to Know

January 24, 2023

Business debt consolidation does exactly what you might expect; consolidate a number of varying business debts into a new agreement.  It’s no surprise that many small and medium-sized businesses have…

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How Do Businesses Benefit from a Cash Flow Loan?

January 17, 2023

Businesses experience cash flow challenges for a number of reasons. These problems are not all bad news; a company may be growing so fast for example, that a short-term need…

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Ultimate Year End Review for Business Owners

December 6, 2022

We’ve reached the final few weeks of 2022 and whether December is a busy time or a quieter period for your small business, there’s still time to complete a crucial…

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