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Buying A Business In Canada: Financing A Business Purchase
Buying a business in Canada via the right acquisition financing will often involve looking beyond the numbers when it comes to ensuring business purchase financing options are in place. Business loans to buy an existing business is not just all about negotiating the sale price – it’s also about the necessary funding solutions that must be put in place to ensure business survival and profitability. Let’s dig in.The pros, of course, call it ‘ due diligence’, when it comes to considering a business investment loan and how to buy a business, as well financing a business for sale is all about a pretty basic common sense premise: ensuring sales, inventory, accounts receivable and accounts payable are all reasonable, and that projected sales volumes make sense in the long term.Bottom line- the proper business purchase loan finance solutions tie together your plans for mgmt, mfg or delivering services, and marketing.The essence of any business, large or small, is cash management. Working capital solutions and business financing rates must also be considered for effective ongoing operations.A/R Financing/factoringBank revolving credit linesNon bank asset based lines of creditInventory FinancingTax Credit FinancingSmall business govt guaranteed loans (maximum 1 Million $) Small Business Loans To Purchase A Business Can Often Come From The Government Of Canada Small Business Loan ProgramFirms that are not profitable or that have ‘ challenged’ balance sheets will not qualify for what we call ‘ traditional’ finance. These types of companies can’t comply with the financial ratios and collateral demanded by our Canadian chartered banks. Almost all businesses that sell on credit, large or small, need some sort of business credit line.Numerous alternative financing solutions are in fact available – but at the same time new owners/mgt must be able to address and talk to items such as gross margins, operating inefficiencies, etc.At 7 Park Avenue Financial we speak to many clients who wish to purchase a franchise business. That can be achieved via various financing programs, and might often include some ‘ seller financing ‘ when it comes to an overall finance strategy. That seller finance assistance in essence is another alternative capital that can allow the buyer to successfully complete the transaction. We also note that both new and used franchises can be purchased and financed.Business Acquisition Financing CanadaBuying a business for ‘ all-cash ‘ is almost never the option available to purchasers. Top experts tell us than not even a 1/3 of businesses purchased are done via 100% financing. Unfortunately sellers like/want cash! More often than not the final structure of your transaction will be:Owner CashExternal FinancingVendor Take Back/Seller Financing (not always, but often)’ABL ‘ (Asset Based Lending) is often a solid solution for a business financing strategy. These types of facilities allow you to borrow heavily against inventory, accounts receivable and equipment/fixed assets.One legal/technical issue often becomes a critical point in acquisition financing. That is the issue of ‘asset sales’ vs. ‘share sales’. From a buyer’s perspective asset sales tend to make more sense – sellers focus on share and tax strategies for selling their businesses. This can often complicate financing.We’ve seen there are some critical issues that can make or break the success of financing a business purchase. Those issues include:Proper valuation pricingDebt loadWorking capital and cash flow financing challengesIf you’re focused on a winning deal and financing a business purchase properly seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your funding needs.
Shoe Repairs And Several Other Things When I Was 7
Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!
He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.
But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.
Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!
Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.
We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.
Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.
Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!
But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.
Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.
Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.
And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.
All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.
He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.