2013년 11월 23일 토요일

오전 8:22

By Verlie Hiney

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About 'long term business loans'|...develop terminal San Antonio Business Journal - 2:18 PM CDT Wednesday...a definitive construction and long-term concession agreement for the... and federal loan programs. Under this...







About 'long term business loans'|...develop terminal San Antonio Business Journal - 2:18 PM CDT Wednesday...a definitive construction and long-term concession agreement for the... and federal loan programs. Under this...








Ｗｈｅｎ               ｌｏｏｋｉｎｇ               ｆｏｒ               ａ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓ               ｂａｎｋ               ｌｏａｎ               ｉｎ               Ｃａｎａｄａ               ｍａｎｙ               ｂｕｓｉｎｅｓｓ               ｏｗｎｅｒｓ               ａｎｄ               ｆｉｎａｎｃｉａｌ               ｍａｎａｇｅｒｓ               ｑｕｉｃｋｌｙ               ｒｅａｌｉｚｅ               ｔｈｅｙ               ａｒｅ               ｔｒｅａｄｉｎｇ               ｏｎ               ｖｅｒｙ               ｓｐｅｃｉａｌｉｚｅｄ               ｇｒｏｕｎｄ.

Ｌｅｔ'ｓ               ｅｘａｍｉｎｅ               ｔｈｒｅｅ               ｔｈｉｎｇｓ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｋｎｏｗ               ｔｈａｔ               ｗｉｌｌ               ａｌｌｏｗ               ｙｏｕ               ｔｏ               ｆｅｅｌ               ｔｈａｔ               ｂａｎｋ               ｆｉｎａｎｃｉｎｇ               ｉｎ               Ｃａｎａｄａ               ｉｓ               ｎｏｔ               ｉｎｓｕｒｍｏｕｎｔａｂｌｅ.

Ｔｈｅ               ｇｅｎｅｒａｌ               ｓｅｎｔｉｍｅｎｔ               ａｍｏｎｇ               ｓｍａｌｌ,               ｍｅｄｉｕｍ,               ａｎｄ               ｉｎ               ｓｏｍｅ               ｃａｓｅｓ               ｌａｒｇｅ               ｃｏｒｐｏｒａｔｉｏｎｓ               ｉｓ               ｔｈａｔ               ｂａｎｋ               ｆｉｎａｎｃｉｎｇ               ｉｓ               ｂｏｔｈ               ｄｉｆｆｉｃｕｌｔ               ａｎｄ               ｃｈａｌｌｅｎｇｉｎｇ               ｉｎ               ｔｈｅ               Ｃａｎａｄｉａｎ               ｍａｒｋｅｔｐｌａｃｅ.

Ｌｅｔ'ｓ               ｅｘａｍｉｎｅ               ｔｈｒｅｅ               ｋｅｙ               ｐｏｉｎｔｓ               ｔｈａｔ               ｗｉｌｌ               ａｓｓｉｓｔ               ｍｏｓｔ               ｂｕｓｉｎｅｓｓ               ｏｗｎｅｒｓ               ｗｉｔｈ               ｏｖｅｒｃｏｍｉｎｇ               ｏｂｓｔａｃｌｅｓ               ｔｏ               Ｃａｎａｄｉａｎ               ｂａｎｋ               ｆｉｎａｎｃｉｎｇ               .Ｔｈｅｙ               ａｒｅ               ａｓ               ｆｏｌｌｏｗｓ               -
               1.

Ａｒｅ               ｙｏｕ               ｌｏｏｋｉｎｇ               ｆｏｒ               ｏｐｅｒａｔｉｎｇ               ｆｉｎａｎｃｉｎｇ               ｏｒ               ｔｅｒｍ               ｆｉｎａｎｃｉｎｇ               ｗｉｔｈ               ｙｏｕｒ               ｂａｎｋ               -               ｔｈｅｒｅ               ｉｓ               ａ               ｄｉｆｆｅｒｅｎｃｅ!
               2.

Ｃｏｕｌｄ               ａ               ｐｏｐｕｌａｒ               ｐｒｏｇｒａｍ               ｓｕｂｓｉｄｉｚｅｄ               ａｎｄ               ｓｕｐｐｏｒｔｅｄ               ｂｙ               ｔｈｅ               Ｃａｎａｄｉａｎ               ｆｅｄｅｒａｌ               ｇｏｖｅｒｎｍｅｎｔ               ｂｅ               ｔｈｅ               ｓｏｌｕｔｉｏｎ               ｔｏ               ｙｏｕｒ               ｗｏｒｋｉｎｇ               ｃａｐｉｔａｌ               ｎｅｅｄｓ
               3.

Ｗｈａｔ               ａｒｅ               ｔｈｅ               ｍｉｎｉｍｕｍ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｔｏ               ｏｂｔａｉｎ               ｓｐｅｃｉａｌｉｚｅｄ               ｂａｎｋ               ｆｉｎａｎｃｉｎｇ
               Ａ               ｌｉｎｅ               ｏｆ               ｃｒｅｄｉｔ               ｏｒ               ａ               ｂａｎｋ               ｔｅｒｍ               ｌｏａｎ?

Ｉｓ               ｔｈｅｒｅ               ａ               ｄｉｆｆｅｒｅｎｃｅ.

Ｔｈｅｒｅ               ｄｅｆｉｎｉｔｅｌｙ               ｉｓ!

Ｉｆ               ｙｏｕ               ａｒｅ               ｌｏｏｋｉｎｇ               ｔｏ               ｅｉｔｈｅｒ               ｐｕｒｃｈａｓｅ               ａｎ               ａｓｓｅｔ               ｏｒ               ｅｘｐａｎｄ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｙｏｕｒ               ｆｏｃｕｓ               ｓｈｏｕｌｄ               ｂｅ               ｏｎ               ｔｈｅ               ｐｒｅｐａｒａｔｉｏｎ               ｏｆ               ｓｕｆｆｉｃｉｅｎｔ               ｄａｔａ               ｔｏ               ｓｕｐｐｏｒｔ               ｔｈａｔ               ｆｉｎａｎｃｉｎｇ               ｒｅｑｕｅｓｔ.

Ｗｅ               ｆｅｅｌ               ｓｔｒｏｎｇ               ｔｈａｔ               ｔｏ               ｂｅ               ｃｏｎｓｉｄｅｒｅｄ               ｆｏｒ               ｓｕｃｈ               ｆｉｎａｎｃｉｎｇ               ｙｏｕ               ｐｒｏｂａｂｌｙ               ｓｈｏｕｌｄ               ｈａｖｅ               ａｎ               ｅｓｔａｂｌｉｓｈｅｄ               ｒｅｌａｔｉｏｎｓｈｉｐ               ｗｉｔｈ               ｔｈｅ               ｂａｎｋ               ａｌｒｅａｄｙ,               ｅｉｔｈｅｒ               ｏｎ               ａ               ｐｅｒｓｏｎａｌ               ｏｒ               ａ               ｃｏｒｐｏｒａｔｅ               ｂａｓｉｓ.

Ｉｔ               ｗｏｕｌｄ               ａｌｓｏ               ｈｅｌｐ               ｉｆ               ｙｏｕ               ｈａｄ               ａｌｒｅａｄｙ               ｅｓｔａｂｌｉｓｈｅｄ               ｓｏｍｅ               ｆｏｒｍ               ｏｆ               ｏｐｅｒａｔｉｎｇ               ｆａｃｉｌｉｔｙ.

Ａ               ｂａｎｋ               ｔｅｒｍ               ｌｏａｎ               ｔｏ               ａｃｑｕｉｒｅ               ａｎ               ａｓｓｅｔ,               ｏｒ               ｐｅｒｈａｐｓ               ｍａｋｅ               ａｎ               ａｃｑｕｉｓｉｔｉｏｎ               ｃｏｍｅｓ               ｗｉｔｈ               ａ               ｆｉｘｅｄ               ｒｅｐａｙｍｅｎｔ               ａｎｄ               ｔｅｒｍ,               ｔｙｐｉｃａｌｌｙ               ｆｉｖｅ               ｙｅａｒｓ.

Ｙｏｕ               ｓｈｏｕｌｄ               ｏｎｌｙ               ｃｏｎｓｉｄｅｒ               ａ               ｂａｎｋ               ｔｅｒｍ               ｌｏａｎ               ｉｆ               ｙｏｕ               ｆｅｅｌ               ｙｏｕ               ｃａｎ               ｄｅｍｏｎｓｔｒａｔｅ               ｅｎｏｕｇｈ               ｆｉｎａｎｃｉａｌ               ｓｔａｂｉｌｉｔｙ               ｏｒ               ｇｒｏｗｔｈ               ｐｏｔｅｎｔｉａｌ.

Ｉｎ               ｍａｎｙ               ｃａｓｅｓ               ｗｅ               ｒｅｃｏｍｍｅｎｄ               ｔｏ               ｃｌｉｅｎｔｓ               ｔｈａｔ               ｗｅ               ａｌｓｏ               ｓｉｔ               ｄｏｗｎ               ｗｉｔｈ               ｔｈｅ               ｂａｎｋｅｒ               ａｎｄ               ｓｈａｒｅ               ｓｏｍｅ               ｏｕｒ               ｌｏｎｇ               ｔｅｒｍ               ｐｌａｎｓ               ａｎｄ               ｐｒｏｓｐｅｃｔｓ               -               ｉｎ               ｍａｎｙ               ｃａｓｅｓ               ｄｉｓｃｕｓｓｉｏｎ               ｃａｎ               ｂｅ               ｓｔａｒｔｅｄ               ａｒｏｕｎｄ               ｔｈｅ               ｆｕｔｕｒｅ               ａｃｑｕｉｓｉｔｉｏｎ               ｏｆ               ａｓｓｅｔｓ               ｏｆ               ｅｖｅｎ               ａ               ｃｏｍｐｅｔｉｔｏｒｓ               ｂｕｓｉｎｅｓｓ.
               Ｉｎ               ｍａｎｙ               ｃａｓｅｓ               ｙｏｕｒ               ｆｉｒｍ               ｓｉｍｐｌｙ               ｎｅｅｄｓ               ａｎ               ｏｐｅｒａｔｉｎｇ               ｆａｃｉｌｉｔｙ.

Ｉｆ               ｙｏｕ               ａｒｅ               ａｎ               ｅｓｔａｂｌｉｓｈｅｄ               ｂｕｓｉｎｅｓｓ,               ｈａｖｅ               ｇｒｏｗｔｈ               ａｎｄ               ｐｒｏｆｉｔ               ｐｏｔｅｎｔｉａｌ,               ａｎｄ               ａ               ｒｅｌａｔｉｖｅｌｙ               ｃｌｅａｎ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ｙｏｕ               ａｒｅ               ｉｎ               ａ               ｐｏｓｉｔｉｏｎ               ｔｏ               ｎｅｇｏｔｉａｔｅ               ａｎ               ｏｐｅｒａｔｉｎｇ               ｆａｃｉｌｉｔｙ               ｆｏｒ               ｒｅｃｅｉｖａｂｌｅｓ.

Ｔｙｐｉｃａｌ               ｆａｃｉｌｉｔｉｅｓ               ｍａｒｇｉｎ               ｙｏｕｒ               ｒｅｃｅｉｖａｂｌｅｓ               ａｔ               75%               ａｎｄ               ｉｎｖｅｎｔｏｒｙ               ｔｙｐｉｃａｌｌｙ               ｍｉｇｈｔ               ｃｏｍｅ               ｉｎ               ａｔ               40%.

Ｗｅ               ｅｎｃｏｕｒａｇｅ               ｃｌｉｅｎｔｓ               ｔｏ               ｃａｒｅｆｕｌｌｙ               ｄｉｓｃｕｓｓ               ｗｈａｔ               ｗｅ               ｗｉｌｌ               ｃａｌｌ               'ｂｕｌｇｅ               ｎｅｅｄｓ               'ｗｉｔｈ               ｙｏｕｒ               ｂａｎｋｅｒ.

Ｔｈｉｓ               ｉｓ               ｉｎ               ｍａｎｙ               ｃａｓｅｓ               ｗｈｅｒｅ               ｔｈｅ               ｃｌｉｅｎｔ               ａｎｄ               ｂａｎｋ               ｒｅｌａｔｉｏｎｓｈｉｐ               ｆａｌｌｓ               ａｐａｒｔ,               ｂｅｃａｕｓｅ               ｔｈｅ               ｂｕｓｉｎｅｓｓ               ｏｗｎｅｒ               ａｓｓｕｍｅｓ               ｔｈａｔ               ｔｈｅ               ｂａｎｋ               ｗｉｌｌ               ｓｕｐｐｏｒｔ               ｉｎｃｒｅａｓｅｄ               ｔｅｍｐｏｒａｒｙ               ｎｅｅｄｓ               ｆｏｒ               ｔｈｅ               ｂｕｓｉｎｅｓｓ.

Ｉｆ               ｙｏｕ               ｔａｋｅ               ｙｏｕｒ               ａｎｎｕａｌ               ｒｅｖｅｎｕｅｓ               ａｎｄ               ｄｉｖｉｄｅ               ｂｙ               12               ｙｏｕｒ               ｍｏｎｔｈｌｙ               ｓａｌｅｓ               ａｒｅ               ＸＸ               $.

Ｈｏｗｅｖｅｒ               ｍｏｓｔ               ｂｕｓｉｎｅｓｓ               ｏｗｎｅｒｓ               ｋｎｏｗ               ｓａｌｅｓ               ｇｒｏｗｔｈ               ｃｏｍｅｓ               ｉｎ               ｓｐｕｒｔｓ               ｂａｓｅｄ               ｏｎ               ｉｎｃｏｍｉｎｇ               ｏｒｄｅｒｓ,               ｃｏｎｔｒａｃｔｓ,               ａｎｄ               ｙｅｓ,               ｅｖｅｎ               ｔｈｅ               ｓｅａｓｏｎａｌｉｔｙ               ｏｆ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｏｒ               ｉｎｄｕｓｔｒｙ.

Ｐｒｅｐａｒｉｎｇ               ａｎｄ               ｓｕｐｐｌｙｉｎｇ               ｅｉｔｈｅｒ               ａ               ｂｕｓｉｎｅｓｓ               ｐｌａｎ               ｏｒ               ｃａｓｈ               ｆｌｏｗ               ｐｒｏｊｅｃｔｉｏｎｓ               ａｒｅ               ｉｎｖａｌｕａｂｌｅ               ｔｏｏｌｓ               ｔｏ               ｇａｉｎ               ｃｒｅｄｉｂｉｌｉｔｙ               ｗｉｔ               ｙｏｕｒ               ｂａｎｋｅｒ,               ａｎｄ,               ｂｙ               ｔｈｅ               ｗａｙ,               ｙｏｕ'ｌｌ               ｕｎｄｅｒｓｔａｎｄ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ｂｅｔｔｅｒ.
               Ｌｅｔ'ｓ               ｍｏｖｅ               ｏｎ               ｔｏ               ｐｏｉｎｔ               #               2.

Ｗｅ               ｔｅｌｌ               ｃｌｉｅｎｔｓ               ｔｈｅ               ｂｅｓｔ               ｂａｎｋ               ｌｏａｎ               ｉｎ               Ｃａｎａｄａ               ｉｓ               ｎｏｔ               ｒｅａｌｌｙ               ｆｒｏｍ               ｔｈｅ               ｂａｎｋ!

Ｗｈａｔ               ｄｏ               ｗｅ               ｍｅａｎ               ｂｙ               ｔｈａｔ?

Ｔｈｅ               ａｎｓｗｅｒ               ｉｓ               ａ               ＢＩＬ.

Ａｎｄ               ｏｆ               ｃｏｕｒｓｅ               ｏｕｒ               ｃｌｉｅｎｔｓ               ａｓｋ               'Ｗｈａｔ'ｓ               ａ               ＢＩＬ               '!

Ｔｈａｔ               ｉｓ               ｔｈｅ               ｔｅｃｈｎｉｃａｌ               ｎａｍｅ               ｆｏｒ               ａ               ｂａｎｋ               ｌｏａｎ               ｔｈａｔ               ｉｓ               ｂｏｔｈ               ｆｉｎａｎｃｅｄ               ａｎｄ               ｓｕｂｓｉｄｉｚｅｄ               ａｎｄ               ｇｕａｒａｎｔｅｅｄ               ｂｙ               ｔｈｅ               ｆｅｄｅｒａｌ               ｇｏｖｅｒｎｍｅｎｔ.

Ｍａｎｙ               ｂｕｓｉｎｅｓｓ               ｏｗｎｅｒｓ               ｓｉｍｐｌｙ               ｒｅｆｅｒ               ｔｏ               ｔｈｅ               ｐｒｏｇｒａｍ               ａｓ               ｔｈｅ               ＳＭＡＬＬ               ＢＵＳＩＮＥＳＳ               ＬＯＡＮ               ｆｒｏｍ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ.
               Ｔｈｅ               ｂａｎｋｓ               ｉｎ               Ｃａｎａｄａ               ａｄｍｉｎｉｓｔｅｒ               ｔｈｉｓ               ｐｒｏｇｒａｍ               ａｎｄ               ｗｅ               ｆｅｅｌ               ｂｙ               ｆａｒ               ｉｔ'ｓ               ｔｈｅ               ｂｅｓｔ               ｓｏｌｕｔｉｏｎ               ｆｏｒ               ｓｍａｌｌ               ａｎｄ               ｍｅｄｉｕｍ               ｂｕｓｉｎｅｓｓ               ｉｎ               Ｃａｎａｄａ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ａ               ｂａｎｋ               ｌｏａｎ.

Ｔｈｅ               ｋｅｙ               ｔｈｉｎｇｓ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｋｎｏｗ               ａｒｅ               ｔｈａｔ               ｔｈｅ               ｌｏａｎ               ｏｎｌｙ               ｃｏｖｅｒｓ               ｔｗｏ               ｔｈｉｎｇｓ               -               ｅｑｕｉｐｍｅｎｔ               ａｎｄ               ｌｅａｓｅｈｏｌｄ               ｉｍｐｒｏｖｅｍｅｎｔｓ.

Ｗｅｌｌ               ａｃｔｕａｌｌｙ               ｉｔｓ               ｔｈｒｅｅ               ｔｈｉｎｇｓ,               ａｓ               ｒｅａｌ               ｅｓｔａｔｅ               ｃａｎ               ｂｅ               ｉｎｃｌｕｄｅｄ               ａｌｓｏ.

Ｔｈｅ               ｒｅａｌ               ｅｓｔａｔｅ               ｌｉｍｉｔ               ｗａｓ               ｒｅｃｅｎｔｌｙ               ｉｎ               ｔｈｅ               ｐａｓｔ               ｙｅａｒ               ｂｕｍｐｅｄ               ｕｐ               ｔｏ               500,000.00$               ｄｏｌｌａｒｓ,               ｗｈｉｃｈ               ｉｓ               ａ               ｇｒｅａｔ               ｗａｙ               ｔｏ               ａｃｑｕｉｒｅ               ｙｏｕｒ               ｆａｃｉｌｉｔｙ.
               Ｔｅｒｍｓ               ｏｆ               ｔｈｉｓ               ｌｏａｎ               ａｒｅ               ａｓ               ｇｏｏｄ               ａｓ               ｉｔ               ｇｅｔｓ               ａ               ｒａｔｅ               ｏｆ               3%               ｏｖｅｒ               ｐｒｉｍｅ,               ｌｉｍｉｔｅｄ               ｏｗｎｅｒ               ｇｕａｒａｎｔｅｅｓ,               ａｎｄ               ｆｌｅｘｉｂｌｅ               ｔｅｒｍｓ               ａｎｄ               ｐａｙｂａｃｋ.

Ｗｅ               ｓｐｅｎｄ               ａ               ｌｏｔ               ｏｆ               ｔｉｍｅ               ｗｉｔｈ               ｃｌｉｅｎｔｓ               ｅｘｐｌａｉｎ               ｔｈｉｓ               ｐｒｏｇｒａｍ               ａｎｄ               ｅｎｓｕｒｉｎｇ               ｔｈｅｙ               ｔａｋｅ               ａｄｖａｎｔａｇｅ               ｏｆ               ｉｆ               ｗｈｅｎ               ｔｈｅｙ               ｃａｎ.

Ｍｏｓｔ               ｂｕｓｉｎｅｓｓ               ｏｗｎｅｒｓ               ａｒｅ               ｄｉｓａｐｐｏｉｎｔｅｄ               ｔｏ               ｈｅａｒ               ｔｈａｔ               ｔｈｉｓ               ｆａｃｉｌｉｔｙ               ｄｏｅｓ               ｎｏｔ               ｃｏｖｅｒ               ｃａｓｈ               ｌｏａｎｓ,               ａｎｄ               ｔｈａｔ               ｉｔ               ｉｓ               ｎｏｔ               ａｎ               ｏｐｅｒａｔｉｎｇ               ｌｉｎｅ               ｏｆ               ｃｒｅｄｉｔ,               ｂｕｔ               ａ               ｔｅｒｍ               ｌｏａｎ.
               Ｂａｎｋ               ｔｅｒｍ               ｌｏａｎｓ               ｈａｖｅ               ｂｅｅｎ               ｔｈｅ               ｍｅａｎｓ               ｏｆ               ａｓｓｉｓｔｉｎｇ               ｍａｎｙ               ｃｏｍｐａｎｉｅｓ               ｔｏ               ｇｒｏｗ,               ａｓ               ｗｅｌｌ               ａｓ               ａｌｌｏｗ               ｃｏｎｔｉｎｕｅｄ               ｏｐｅｒａｔｉｏｎｓ               ｄｕｒｉｎｇ               ａ               ｔｅｍｐｏｒａｒｙ               ｂｕｔ               ａｎｔｉｃｉｐａｔｅｄ               ｓｌｕｍｐ.

Ａｓ               ｏｎｅ               ｏｆ               ｔｈｅ               ｍｏｓｔ               ｃｏｍｍｏｎ               ｔｙｐｅｓ               ｏｆ               ｌｏａｎｓ               ｏｎ               ｔｈｅ               ｍａｒｋｅｔ,               ｂａｎｋｓ               ｏｆｔｅｎ               ｏｆｆｅｒ               ｃｏｍｐｅｔｉｔｉｖｅ               ｒａｔｅｓ               ｆｏｒ               ａ               ｂａｎｋ               ｔｅｒｍ               ｌｏａｎ.

Ａｎｙ               ｂｕｓｉｎｅｓｓ               ｔｈａｔ               ｉｓ               ｔｈｉｎｋｉｎｇ               ａｂｏｕｔ               ｔｈｅ               ｐｏｓｓｉｂｉｌｉｔｙ               ｏｆ               ｔａｋｉｎｇ               ｏｕｔ               ａ               ｂａｎｋ               ｔｅｒｍ               ｌｏａｎ               ｗｏｕｌｄ               ｄｏ               ｗｅｌｌ               ｔｏ               ｓｈｏｐ               ａｒｏｕｎｄ               ｆｏｒ               ｔｈｅ               ｂｅｓｔ               ｒａｔｅ               ａｎｄ               ｃｏｎｄｉｔｉｏｎｓ               ｐｏｓｓｉｂｌｅ.
               Ｌｅｔ'ｓ               ｍｏｖｅ               ｏｎ               ｔｏ               ｏｕｒ               ｆｉｎａｌ               ｐｏｉｎｔ.

Ｂｙ               ｕｎｄｅｒｓｔａｎｄｉｎｇ               ｔｈｅ               ｋｅｙ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｏｆ               ｂａｎｋ               ｆｉｎａｎｃｉｎｇ               ｙｏｕ               ｃａｎ               ｓｉｇｎｉｆｉｃａｎｔｌｙ               ｉｍｐｒｏｖｅ               ｙｏｕｒ               ｃｈａｎｃｅｓ               ｏｆ               ａｐｐｒｏｖａｌ               ｓｕｃｃｅｓｓ.

Ｗｏｒｋ               ｗｉｔｈ               ａ               ｔｒｕｓｔｅｄ,               ｃｒｅｄｉｂｌｅ               ａｎｄ               ｅｘｐｅｒｉｅｎｃｅｄ               ａｄｖｉｓｏｒ               ｉｎ               ｃｏｍｍｅｒｃｉａｌ               ｂａｎｋ               ｆｉｎａｎｃｉｎｇ               ｏｒｉｇｉｎａｔｉｏｎ.

Ｂｅｉｎｇ               ｐｒｏｐｅｒｌｙ               ｐｒｅｐａｒｅｄ               ｗｉｔｈ               ｈｉｓｔｏｒｉｃａｌ               ｆｉｎａｎｃｉａｌｓ,               ａ               ｂｕｓｉｎｅｓｓ               ｐｌａｎ,               ａ               ｃａｓｈ               ｆｌｏｗ               ｆｏｒｅｃａｓｔ,               ａｎｄ               ａ               ｂｉｏ               ｏｆ               ｏｗｎｅｒ               ｅｘｐｅｒｉｅｎｃｅ               ｉｍｐｒｏｖｅｓ               ｙｏｕｒ               ｃｈａｎｃｅｓ               ｔｅｎ               ｆｏｌｄ               ｏｆ               ａｒｒａｎｇｉｎｇ               ｂａｎｋ               ｆｉｎａｎｃｉｎｇ               ｉｎ               Ｃａｎａｄａ.

Ａｓ               ａ               ｆｏｏｔｎｏｔｅ,               ｗｅ               ｈａｖｅ               ａｌｗａｙｓ               ｓｔｒｏｎｇｌｙ               ｂｅｌｉｅｖｅｄ               ｉｔ'ｓ               ｔｈｅ               ｂａｎｋｅｒ,               ｎｏｔ               ｔｈｅ               ｂａｎｋ,               ｓｏ               ｓｅｅｋ               ｏｕｔ               ｗｉｔｈ               ａｓｓｉｓｔａｎｃｅ               ａ               ｂａｎｋ               ｗｈｏ               ｈａｓ               ａ               ｓｔｒｏｎｇ               ｉｎｔｅｒｅｓｔ               ｉｎ               ｇｅｔｔｉｎｇ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ               ａｎｄ               ｇｒｏｗｉｎｇ               ｗｉｔｈ               ｙｏｕ               ｏｎ               ａ               ｌｏｎｇ               ｔｅｒｍ               ｂａｓｉｓ.
               Ｂａｎｋ               ｆｉｎａｎｃｉｎｇ               ｉｎ               Ｃａｎａｄａ               -               ｐｏｓｓｉｂｌｅ?

Ｙｅｓ               .

Ｐｒｏｂａｂｌｅ?

Ｎｏ               ｇｕａｒａｎｔｅｅｓ               ｏｆ               ｃｏｕｒｓｅ,               ｂｕｔ               ｙｏｕｒ               ｃｈａｎｃｅｓ               ｏｆ               ｆｉｎａｎｃｉｎｇ               ｓｕｃｃｅｓｓ               ｉｍｐｒｏｖｅ               ｃｏｎｓｉｄｅｒａｂｌｅ               ａｓ               ｓｏｏｎ               ａｓ               ｙｏｕ               ａｄｏｐｔ               ｔｈａｔ               ｏｌｄ               ｂｏｙ               ｓｃｏｕｔ               ｍｏｔｔｏ               -               ｂｅ               ｐｒｅｐａｒｅｄ               !






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