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Money Lines: Financial Solutions for Emerging Companies

First Vancouver Finance has published a number of articles on all facets of commercial financing. At right, you can click on the various titles below to read about a variety of commercial financing and working capital financing topics.

In the article Eight Reasons to Refer Non-Bankable Clients to First Vancouver Finance, we learn it can be extremely beneficial for lenders to have an established partnership with an alternative lender like First Vancouver Finance.

In the Supplier Credit article, we explain how as a source of working capital, supplier credit can be vital during the early start-up stages of a business. However, it can be difficult to obtain supplier credit for companies that haven’t been in business very long. But if you know how to build, maintain and grow your business credit rating, you can significantly reduce that time.

In Commercial Financing: Off-Balance Sheet Financing, we explain the two different categories of commercial financing—on-balance-sheet financing and off-balance-sheet financing, including factoring—and how understanding the difference can be critical to obtaining the right type of commercial financing for your company.

In Do It Yourself Commercial Financing, we describe the three main ways to finance a business it: via debt, equity or “do it yourself” financing. At various stages in your business’s life cycle, one or more of these methods may be appropriate.

Accounts Receivable (A/R) Financing Frees Up Hidden Cash
, we describe how you can you release trapped cash and put it to good use in your business by using factoring and accounts receivable financing. This will enable you to replace your accounts receivable with cash in hand and could make a drastic difference to the way you run your business.

In Commercial Financing Options to Overcome the Credit Crunch, we note how asset-based lending (ABL) can be a lifeline for small businesses that are finding it harder to obtain commercial financing. The two main types of ABL are factoring and accounts receivable financing.

Factoring Services and Prompt-Pay Discounts
, we explain how using factoring can enable small businesses to take advantage of “2/10, net-30 discounts” in order to improve their cash flow. These discounts can really add up, especially for small businesses with thin profit margins.

In Focus on Business Fundamentals to Improve Cash Flow, we discuss how a recession or economic downturn forces most business owners to focus like a laser on the fundamentals of their business and take a hard look at how they’re managing their finances. It lists five key areas to go back and reexamine if you haven’t lately.

In Factoring as a First Resource for Commercial Financing, we point out how, in the midst of recent upheaval in the commercial financing markets, many small businesses are now turning to factoring for the capital they need to thrive and grow. With factoring services, small businesses sell their accounts receivable at a discount in order to accelerate cash flow.

In Accounts Receivable (AR) Financing: More Than Just Money, we explain the concept of “core competency,” which refers to the things done by a business that lie at the heart of its ability to manufacture a product or deliver a service. Since managing accounts receivable isn’t a core competency for most companies, many rely on accounts receivable factoring companies to handle their accounts receivable functions.

In Factoring Services Can Strengthen Supply Chain Links, we explain why successful entrepreneurs are concentrating on building strong links with their customers and vendors and how factoring services can help them do this. A strong supply chain has always been important in business, but the New Normal has made it absolutely crucial.

In Factoring Services and Commercial Financing a Whole New Ligh, we explain how many small businesses have discovered the potential benefits of asset-based lending and factoring. In the post-financial-crisis world, factoring has re-emerged as a way for fast-moving, aggressive businesses to meet the critical need for working capital finance.

In Commercial Financing Options Despite the Credit Crunch, we point out that amidst all the gloom and doom, it’s important to keep one thing in mind: There are still options available for small business financing. It’s simply a matter of knowing where to look and how to prepare.

In Commercial Financing: A Look at the Current Landscape, we examine a recent survey in which only 11 percent of respondents said they had sought new lines of credit or financing over the past year in an effort to help improve their cash flow. In this environment, owners need to be more agile, flexible and transparent.

In How Factoring Helps You Collect Accounts Receivable, we describe how many trucking companies have gone out of business due to outstanding accounts receivable. By using factoring, though, trucking companies can collect their accounts receivable in a timely fashion, which improves their ability to grow as well.

In Why Trucking Companies Love to Factor, we explain that the biggest financing challenge facing new and growing trucking companies has always been managing cash flow. How do you make sure that the money coming in matches the money going out? For years, trucking companies have been using factoring to help meet this financing challenge.

In How Alternative Financing Can Help Meet Cash Flow Challenges, we describe the “David vs. Goliath” scenario that plays out so often in the alternative financing industry: Small businesses land large contracts to supply big box chains, but they have to accept the big box’s extended payment terms. Alternative financing options can provide the cash infusion small businesses need in this scenario.

First Vancouver Finance has published a number of articles on all facets of commercial financing. Click on the titles below to read these articles:

In the article The Almost Nearly Perfect Line of Credit: Accounts Receivable Financing, we see how people often focus on lines of credit and fail to see other viable forms of financing.

In the article Cashflow and Working Capital are Vital to the Health of your Business we illustrate how Cashflow is the blood running through a business and working capital as its heart, both crucially vital to a sustatining a business model.