Divine Prosperity – How to Sow Your Financial Seed to Reap Miracle Abundant Harvests

Jesus came to give us an abundant life as spoken in John 10:10. This abundant life includes peace, joy, love, wisdom, success, health, weight loss, confidence, having children, spouse, money making ideas, inventions, freedom from sin, freedom from fear, holiness, super intelligence, financial abundance and anything else that would be a blessing. This article focuses on just one of those blessings, financial abundance and how to obtain it for a purpose.

Compared to the rich in the world, most of the Church has been broke for hundreds of years because of a failure to name their financial offerings and a failure to spend time each day meditating (speaking, declaring, muttering and thinking on) God’s financial promises that renew the mind, changing a person’s inner image from poverty to wealth. You need a renewed mind and a proper understanding of sowing and reaping to enter your wealthy place. Without a proper understanding of sowing and reaping and a renewed mind, the finances of even the best money manager come far short of the financial abundance of an anointed and instructed sower who has renewed his mind with the financial promises of God’s word.

The offering is above the tithe. The tithe is one tenth of your income. You see, although Christians named their tithes which took care of the operating expenses of their local church and subsequently took care of their own house expenses, they failed to name their financial offerings. Result, Satan stole the harvests they would have received from their offerings and left the Church with a paycheck to paycheck broke existence. But that is all changing. God is restoring to the Church an understanding of how to properly sow and reap abundant harvests. He is fulfilling Proverbs 13:22b in these last days:

“The wealth of the sinner is laid up for the just.”

So let me show you how to experience financial abundance through the biblical principle of sowing and reaping.

Jesus taught sowing and reaping. Remember the crowd on the Galilean shore in Luke 5:3 where Jesus preached to them from Peter’s boat. By loaning his boat to Jesus, Peter had activated the sowing and reaping principle. As a result of sowing his seed (boat loan) into Jesus’ ministry, Peter got a harvest. A miracle boatload of fish. Look at Luke 5:4-6:

“Now when he had left speaking, he said unto Simon (Peter), Launch out into the deep, and let down your nets for a draught. And Simon answering said unto him, Master, we have toiled all the night, and have taken nothing: nevertheless at thy word I will let down the net. And when they had this done, they inclosed a great multitude of fishes: and their net brake.”

Just as a farmer expects a harvest when he sows his seed into the soil, you are to expect (have faith for) a harvest when you sow your finances into a ministry the Holy Spirit has prompted you to support. It could be your local church or some other ministry that is advancing the kingdom of God, reaching souls for Jesus. And make sure you give your seed an assignment by naming your seed when you sow it. You could name it “financial breakthrough,” or “financial abundance.” If you are a writing a check, write the name of your seed, “financial breakthrough,” somewhere on your check.

Important – Sowing is to be a lifestyle, not a one shot thing. You don’t name your financial seed, plant it and never sow again. No, continue to sow consistently, naming your seed until your harvest comes in. After your first financial harvest comes in, keep sowing for another financial harvest. The bigger the financial seed you sow, the bigger the harvest. And the bigger the harvest, the bigger the seed you can sow, producing bigger and bigger harvests ushering you into your wealthy place.

It may be a day, a week, a month or a year before your first harvest comes in, but your harvests should manifest in due season. Once they start coming in, you’re on your way to living the abundant lifestyle promised you by Jesus Himself.

“Be not deceived; God is not mocked: for whatsoever a man soweth, that shall he also reap” For he that soweth to his flesh shall of the flesh reap corruption; but he that soweth to the Spirit shall of the Spirit reap life everlasting. And let us not be weary in well doing: for in due season we shall reap, if we faint not”(Galatians 6:7-9).

Listed below are the sowing and reaping steps you take to release your faith for your miracle abundant financial harvests:

Step 1. Know God Is Your Source of Supply – Don’t try to figure out how He is going to do it. That is His job. Your job is to sow and expect a harvest.

Step 2. Pray for What You Desire – What do you desire? Let’s say you would like a financial breakthrough. Okay. You need a scripture to base your faith on. John 16:23 will work. “And in that day ye ask me nothing. Verily, verily, I say unto you, Whatsoever ye shall ask the Father in my name, he will give it you.” So, ask your Heavenly Father in Jesus’ name according John 16:23 to give you an abundant financial breakthrough harvest on your financial seed sown. When do you believe you have your harvest? The moment you pray. You must believe God heard your prayer and granted your petition the instant you prayed. If you believe you have received your financial harvest the moment you prayed then you must act like you have it. Your actions are called works. You release your faith by your works.

The Bible says in James 2:17 that faith without works is dead. What are works? Let me illustrate to you what works are. Let’s say a very rich person you know and trust hands you a check for thirty million dollars. What would you do? Jump, shout and celebrate. Right? Those actions (works) show that you believe you have the thirty million dollars. When your bank sends your bank statement saying you have thirty million dollars in your account would you start jumping, shouting and celebrating again. No. You did your celebrating the moment your rich friend handed you the check. Same way when you pray and ask God for something. You celebrate the moment you finish asking God for what you desire. Your words, celebration, joy and your financial seed sown are your works that show you believe you have received your harvest the moment you prayed. So you release your faith by your actions (works showing you believe you’ve got your harvest now). Your works give life to your faith. Your works release your faith. Your works complete your faith.

“Therefore I say unto you, What things soever you desire, when you pray, BELIEVE THAT YE RECEIVE THEM (the instant you pray), and ye shall have them” (Mark 11:24).

Step 3. Name Your Seed – Naming your seed gives it an assignment. What do you want from your harvest? Healing, finances, peace, a spouse? Whatever it is you want, name your seed. And make sure the name of your seed corresponds to your prayer. If you prayed for a financial breakthrough, then name your seed “financial breakthrough.”

Step 4. Sow Your Seed – Ask God the Father in Jesus’ name where to sow your money seed. The Holy Spirit will direct you to sow your seed in good soil (a church or ministry doing the will of God – winning souls, teaching healing, sowing and reaping etc.). Bad soil is where God’s will is not being obeyed. Your seed (works) is the evidence that you have faith in God’s promise (John 16:23) to grant your prayer request for an abundant financial harvest.

Step 5. Sow as an Act of Love, Worship and Obedience – Sow your seed as an act of love, worship and obedience to God. You are obeying God’s command to give when you sow and out of your abundance you can bless others as the Holy Spirit directs.

“Give, and it shall be given unto you; good measure, pressed down, and shaken together, and running over, shall men give into your bosom. For with the same measure that ye mete withal it shall be measured to you again” ( Luke 6:38).

Step 6. Believe You Have Your Harvest Now – Release your faith by daily thanking, praising and worshipping the Lord Jesus Christ because God has seen your seed planted and has granted your harvest. That’s faith when you act like you have your harvest even before you actually see it with your physical eyes. Visualize your harvest. Use your God-given imagination and see yourself with your harvest. See yourself dressing the best, driving the best, flying the best and always having abundance of finances. See yourself as a blessing and money magnet.

Why is it vitally important to believe you have it (your harvest) before you can see it? Because if you do not believe you have your harvest the moment you pray and plant your seed, you are not in faith. Faith says, “I have it now.” Doubt says, “I will not believe I have my harvest until I see it.” Secret: A key to accelerate (speed up) the manifestation of your harvest is to daily rejoice that you’ve got it (harvest) now before you see it with your physical eyes.

Step 7. Speak God’s Promises over Your Seed – As you daily release your faith through thanksgiving, praise and worship for your harvest to manifest, speak God’s promises over your seed sown. For instance, if you named your seed “financial breakthrough,” speak financial prosperity scriptures over your seed like Psalm 1:1-3, Psalm 35:27, Luke 6:38 and Philippians 4:19.

Step 8. Keep a Record of Your Seed Planted – This way you can focus on your seed planted as you release your faith for your harvests through thanking, praising and worshipping Jesus Christ and declaring God’s promises over your seed sown.

Step 9. Be a Conduit for God’s Finances – You are blessed to be a blessing. Yes, because you are to be God’s representative, an ambassador for Christ, you are to dress the best, drive the best, fly the best, live the best, but always on call to sow your financial seed wherever God directs. His agenda is to become our agenda. His agenda is for souls to be saved, delivered, discipled, serving in a local church, bearing fruit and walking in His glory, virtue and perfect will.

Very, Very, Very Important! There are two things that will hinder you from receiving your harvest. Disobedience and lack of faith. I will explain. Disobedience: If you fail to ask God how much you should give and you give an amount He is not pleased with, then you are being disobedient. If you fail to ask God where to sow (plant) your seed and you sow your seed in the wrong soil (ministry), then you are being disobedient. Don’t expect God to give you the harvest you desire if you have been disobedient. What does this mean? To avoid being disobedient, you will have to spend time listening to the voice of the Holy Spirit who will guide you into all truth, helping you make wise sowing decisions.

I know I mentioned faith in step six, but I want to drive this faith principle home. Lack of faith is a big no no. When you sow your financial seed, you must believe (expect) your harvest to manifest, to come in. Don’t just drop your money in the bucket and not expect God to multiply your giving and bless you with a bountiful harvest. If you don’t expect a harvest, you’re not going to get a harvest. Faith is what moves the hand of God to multiply your seed sown.

This sowing and reaping principle I have shared with you will work in every area of your life, not just for finances. As listed at the beginning, you can sow for a miracle harvest of peace, joy, love, wisdom, success, health, weight loss, confidence, having children, spouse, money making ideas, inventions, freedom from sin, holiness, freedom from fear, super intelligence, financial abundance and anything else that would be a blessing to your life. There is miracle power in the seed. Release your faith for the abundant life through sowing and reaping.

Here are three prosperity scriptures you can meditate on to renew your mind:

“The young lions do lack, and suffer hunger: but they that seek the Lord shall not want any good thing” (Psalm 34:10). “For ye know the grace of our Lord Jesus Christ, that, though he was rich, yet for your sakes he became poor, that ye through his poverty might be rich” (2 Corinthians 8:9). “But my God shall supply all your need according to his riches in glory by Christ Jesus” (Philippians 4:19).

I suggest meditating on these scriptures at least fifteen minutes to a half an hour a day until they drop down into your heart and become a reality to you. The more time you spend meditating these scriptures, the quicker the results.

May I encourage to click on “Awesome Posters” that will encourage you to believe God’s promises to live the wealthy and healthy life you were called to live as you sow your financial seed for your miracle abundant harvests. These posters are beautiful and they come in small to giant sizes.



Source by Philip C Jones

The Coming Tax Ambush On Seniors' Dividends

Missing from the Romney campaign strategy is the exposure of the incredibly important and historical punishing taxation awaiting seniors if Obama wins the election.

Even more important than Medicare is the coming hit that seniors will get – from Florida to the rest of the nation – from the Obama plan to tax dividend income the same as marginal tax rates and increase those marginal tax rates to pre-Bush levels; and that is the scary Obama plan. That will mean that Seniors dependent on their dividend income for survival will be the hardest hit financially of all citizen classes in the country by 2013 due to this Obama proposal which will increase the tax due on dividend income to an incredible and European size tax level of 43.3%; that is a total increase in seniors' dividend taxes of 189%.

This financial hecatomb waiting for Seniors on their hard earned money will come via the application of higher pre-bush era marginal tax rates to the dividend portion of their income, which has never been done previously. Frustratingly, the dividend tax represents double taxation on the same money because it is taxed first from the producer side as part of corporate earnings, and it's taxed again from the recipient side that receives the dividend. Great double game for the government. It is actually a total tax on the same money of 45% today and proposed to reach in 2013 up to 82.9% (corporate: 39.5 dividend: 43.3 = total = 82.9%).

The present Obama tax calamity applies the double taxation, and then so more, by increasing the rate on dividend income to a top 43.3%. Which represents an increase of 189% over present rates. By letting the Bush tax cuts expire, President Obama will put back into place the high rates of pre-2003 with a top marginal rate of 39.6%, same which will apply, according to the President's wishes, to the rate of taxation paid by dividend recipients, which wasn't done in pre-Bush taxation. To that rate we can add the new tax on investment income courtesy of Obamacare of 3.8% that will start being implemented in 2013, and the total rate applicable to dividends in 2013 will become a 43.4% rate.

That is an increase in taxation of 189% on all those seniors dependent on investment dividend income for their livelihood. It is by far the most significant heist on seniors' money and income perpetrated since the introduction of the federal tax system. This surpasses by far the pain in the coming increases in Medicare costs as imbedded in Obamacare, and applicable immediately in 2013, or by the none-existing increase on Medicare cots in the Ryan reform plan as touted by the Obama campaign. The Obama campaign is using an obsolete Ryan plan to make the accusation. At any rate, the Medicare reform proposals of the Ryan plan do not apply until 10 years later. The dividend heist on seniors will take place beginning in 2013, four months from now.

The Romney-Ryan ticket will do even better by campaigning also in this dividend taxation catastrophe approaching seniors in complement to campaigning about the Medicare issue alone.



Source by John P. Galt

Spiritual Law Vs. Criminal Law

Criminal law and spiritual law sometimes coincide, but oftentimes not. In a spiritual sense, you're free to do what you want; the ultimate test of whether or not a given act or behavior violates spiritual law is if it hurts you or another person.

"The only power any government has is the power to crack down on criminals. Well, when there aren't enough criminals, one makes them. One declares so many things to be a crime that it becomes impossible for men to live without breaking laws . " Ayn Rand

Below we outline circumstances that clarify what is a crime and what isn't-from a spiritual standpoint-based on our long-term findings.

1. White-collar thieves, such as boiler-room operators, think they are clever. They insist on their innocence and blame "naive" investors who should know better before investing without doing their due diligence. But consider their intent-does the boiler-room operator willingly take the investor's money, knowing that the investor will likely lose his or her money, and is it the operator's intent to defraud the investor? If yes, then such actions incur negative karma.

Imagine the number of lifetimes it takes to balance the negative karma incurred by stealing millions from hundreds of pensioners, for example. It's no wonder most criminals don't believe in karma and predetermination.

2. Precious gem and diamond heists such as the Schiphol Airport diamond heist, surely earn the perpetrators serious negative karma. "At Amsterdam's Schipol Airport on February 25, 2005, four men in a stolen KLM cargo vehicle ambushed an armored truck carrying jewels bound for Antwerp's diamond district. Brandishing guns, they forced out the drivers before speeding away. Since many of the gems they filched were still uncut, it's unclear how much the booty was worth-though some estimates have put the figure as high as $ 118 million. That would make the Schipol crime, which remains unsolved, the largest diamond heist in history. "

That's quite a heist, but sometimes the karma is much more complicated than it appears; the four guys with guns may not be the sole villains. For instance, consider the following: the owners of the gems in some heists may be involved in the crime in a complex insurance fraud; the guys with guns could have a high profile organized crime backer, which then earns dozens of culprits bad karma; even the security consultants and their superiors, or the insurance company (or select employees) are sometimes involved in such a heist; the owners of some stolen gems may have stolen them in the first place.

3. People who vote for politicians who support oppressive legislation, such as laws against freedom of speech (eg, in the UK it's illegal to criticize a certain religion on social media) incur negative karma. The same is true for people who lobby for unjust laws, or who trample the rights of others to promote their agenda. Feelings aren't an excuse to limit freedom of speech. Any criminal law that takes away individual freedoms is in direct violation of spiritual law, thus those who impose it on others incur negative karma.

"He who allows oppression shares the crime." Desiderius Erasmus

Earth isn't the only place to balance your karma. "… researchers have calculated that billions of the stars in the Milky Way have one to three planets in the habitable zone, where there is the potential for liquid water and where life could exist." It's feasible mass slavery is the norm on some of those inhabitable planets, offering those who incur nasty human rights karma (including agenda and propaganda pushers, politicians, and the voters who give them power) on earth the opportunity to balance the scales elsewhere in the future.
https://earthsky.org/space/most-stars-have-planets-in-habitable-zone?utm_source=EarthSky+News&utm_campaign=6fd5a540e3-EarthSky_News&utm_medium=email&utm_term=0_c643945d635341df

Considering there are two trillion galaxies in the universe, including ours, the Milky Way, it's estimated there are trillions of inhabitable planets in the universe. This is enough to include an incredible variety of difficult life circumstances and situations to accommodate even the worst karmic offenders. The infinite number of available planets on which to incarnate lends credence to the theory that you have probably had more lifetimes than you may think. A wise person said your current lifetime is just one word, of one sentence, on one page, in one book, perhaps of several volumes.

4. Those in the US Congress (or any other legislative body) who continually put their personal monetary gain ahead of the will of the people, such as through allowing crooked lobbyists and special interest groups to dictate their voting record, earn enormous amounts of terrible karma. It's difficult to fathom how much bad karma is generated by irresponsible governing, policies that harm millions of citizens.

"There is no distinctly American criminal class – except Congress." Mark Twain

"We don't seem to be able to check crime, so why not legalize it and then tax it out of business?" Will Rogers

The perfect crime, a term used to describe crimes that are unsolvable or undetected, does not exist in a spiritual sense. The eyes of truth (ie, law of karma) are always watching, so ultimately nobody gets away with anything.

Copyright ©



Source by Scott Petullo

The Smart Woman’s Guide to Planning for Retirement by Mary Hunt – Personal Finance Book Review

Money maven, Mary Hunt, returns with a new book, “The Smart Woman’s Guide to Planning for Retirement,” to help women prosper financially in the New Year and beyond. While geared toward females, men can also benefit from Hunt’s money knowledge, honed after she amassed over $100,000 in debt earlier in life; and took 13 years to erase.

“Have you had a retirement wake-up call?” Hunt asks early in the book. “I can promise you they intensify with age.”

Hunt sites a 2012 survey that found that 92 percent of women of all ages do not feel educated enough to reach their retirement savings goals.

Saving for retirement requires determination and hard work; and Hunt believes women can succeed. “If we lack confidence, it’s because we lack knowledge and desire, certainly not because we lack intelligence and ability,” Hunt says.

Time trumps all factors when saving for retirement. The sooner you start, the better. But, Hunt emphasizes, regardless of what stage you are in life, you must begin now. “It’s only too late if you don’t start now. No matter where you are or how little you think you have, start now. Today. Start. Saving.” Take baby steps to produce long-term results.

Hunt’s teachings feature:

Retirement Savings Plan. Hunt promotes a six-step Retirement Savings Plan, which includes:

Build an emergency fund. Also known as a Contingency Fund. Save money for life’s unexpected expenses (car repairs, home repairs, etc.) This money needs to be liquid (easily accessible within two or three days), safe from erosion (build in a risk-free savings account) and able to fund at least six months of living expenses should a job loss or other compromised income event occur.

Get out of debt. Eliminate all unsecured debt (credit card debt, student loans, personal loans). Hunt says they’re like cancer stealing your future. Incorporate Hunt’s Rapid Debt-Repayment Plan (RDRP) to abolish the debt.

Own your home outright. Buy half as much house as your mortgage approval. Make monthly mortgage payments equal to the full approval amount to own your residence in half the time. Fiercely protect your home equity (the difference between your home’s market value and mortgage balance). Avoid taking a home equity loan or line of credit, which resets the clock on a thirty-year mortgage.

Consider hiring a financial planner once debt is eradicated or managed, a respectable amount in savings is amassed, retirement funds are growing, or an IRA inheritance or other cash windfall appears.

Hunt describes three types of financial planners:

  1. Commission-based. This planner doesn’t charge based on time, but by selling investment products. He or she earns commissions on those sales.
  2. Fee-based. This planner works on a fixed fee or charges by the hour. Fees are stated up front and the planner is a registered investment advisor (RIA). They’re required by law to meet fiduciary standards, making them responsible for putting the best interests of their clients first.
  3. Combo. This planner is a combination of the first two. Clients pay a fee, fixed or hourly and the planner earns commissions when the client buys financial products based on their recommendations.

Choose a financial planner with at least five years experience Hunt suggests. Ensure they act in your best interests, and can explain financial concepts on your level. Be wary of any planner who claims to be able to beat the market. Ultimately, collaborate with a planner; yet make your own investment decisions. Hunt underscores that, “An advisor’s or planner’s primary loyalty will be to the hand that feeds her. That is simply human nature.”

Hunt educates in a conversational tone, avoiding jargon, charts and mind-numbing data, which makes for an engaging read. A Christian, she teaches faith-based money management. Hunt believes that God is the source of all life’s blessings, including money. An employer, spouse, investments, trust account, parents or any other entity are the channels through which money flows, but not the ultimate source. She’s making reasonable preparations for retirement without obsession; and trusting God for the outcome.

While having a retirement nest egg is important, Hunt reminds readers there is more to life than money. Health, spirituality, nurturing relationships, staying active, continual learning and volunteering are some attributes of a well-balanced existence.

Decade-by-decade financial planning, the five necessary tools for a money management system, investment basics (automate all payments to avoid not making monthly contributions (out-of-sight, out-of-mind), reverse mortgages, and parents paying for their children’s college education (not required), are other money-saving/building topics addressed in the book.

Anyone committed to improving their financial fitness in 2014, will reap life treasures, beyond the bounds of cash, by inheriting Mary Hunt’s money practices.

To establish your baseline financial status, and/or monitor your progress, order your free credit reports from the three big credit companies: Equifax, Experian, TransUnion, visit: Annual Credit Report.



Source by Timothy Zaun

4 Strategic Planning Tools For Business Model Innovation and Business Strategy Design

There are strategic planning tools for pretty much any objective a business executive can conceive of. However, for managers and entrepreneurs wishing to innovate their business model, it can be challenging making the leap from conventional thinking to the sort of creative but realistic thinking from which the next generation of sustainable profits can develop.

Knowing the types of tools you can use for various kinds of business strategy tasks can you get far more innovative results from your strategy development sessions while cutting the time it takes to arrive at good business models.

Tools for Mapping and Dominating Uncontested Market Spaces

1. Strategy Canvas

The Strategy Canvas is a tool first introduced in the book, “Blue Ocean Strategy” by W. Chan Kim and Renee Mauborgne. It is a chart that plots the positions of business competitors relative to the factors important to the customer marketplace. The horizontal axis plots the factors of competition (hopefully established through customer knowledge), and the vertical axis plots the degree of offering or service level.

Using this chart differences between current and potential business competitors can be graphically portrayed. The primary point of the strategy canvas is to illustrate divergence between market and business strategies as it relates to customer needs. By using a strategy canvas, you can create a new value innovation that breaks the conflict between low cost and differentiation – the heart of blue ocean strategy.

The strategy canvas is also a great tool for USP development.

2. Strategic Control Point Index

This is a tool used to assess the level of strategic control a business has in its industry relative to competing businesses and organizations. It was best articulated by management consultant Adrian Slywotzky in “The Profit Zone” (a book which I highly recommend). The strategic control point index classifies these control points according to the level of “profit-protecting power” they confer to a business.

Simply put, it is a simple description of the path to monopoly power (or at least near-monopoly) in any business design. The profit protecting power of these strategic control points go from “None”, “low”, “medium” to “high”. Some examples of strategic control points given by Slywotzky include:

  • 10 to 20 percent cost advantage in commodity product (low)
  • One-year product development lead (slightly higher, but still low)
  • Two-year product development lead (medium)
  • Brand, copyright (slightly higher, but still medium)
  • Customer relationship ownership (High)
  • String of superdominant market positions (Higher)
  • Management of the Value Chain (Even higher)
  • Standards Ownership (Highest)

3. 6 Paths Framework

This analytical tool is another from “blue ocean strategy” and masterfully gives strategists a way to think across the “six conventional boundaries of competition” to systematically construct new assumptions and stimulate product or business design breakthroughs. The idea is that one of these unconventional ways of looking at the competitive landscape may crack open a strategic breakthrough.

a) Look across industries – Compete with alternatives and substitutes for your product/service rather than those you think are your competition.

b) Look across strategic groups – Look at how your new strategy can be developed between the naturally assumed strategic boundaries in your industry.

c) Look across the chain of buyers – Consider how you can change the game by changing the defined “primary buyers.

d) Look across complementary products and services – Thinking about the whole system of your customer’s typically solution (in which your current offering might be just a small part).

e) Look across functional or emotional appeal – Examine how you may be able to create a new value curve by adding emotion to a functionally oriented industry, or removing stripping out emotion and reducing a product or service to its functional core.

f) Look across time – Adjust your time horizon to a different point or cycle than is typical in the rest of your industry.

4. Business Design Matrix

The business design matrix is a great analytical tool that you can use to help understand and analyze “at a glance” the business models of your competitors. It is largely derived from the work of Dr. Adrian Slywotzky. The criteria across which you analyze your competitors as well as your own organization include:

  • Customer selection
  • Profit Capture System(s)
  • Differentiation / Strategic Control
  • Scope of offerings and presence

These core four considerations provide a foundation for deciding marketing strategy – a foundation upon which a larger business strategy can comfortably rest.



Source by Gogo Erekosima

Steps To Commercial Business Financing Options

Business financing options are provided by a number of non bank specialized finance companies in Canada. They provide an array of corporate solutions, all of them different but still allowing you to achieve cash flow and working capital goals. They are in fact, the answer to.. you guessed it ‘ no bank financing’ conundrums.

The challenge for business owners and financial managers is to identify and execute on who those sources are and what they can do for your company. Many companies, and industries in fact have specialize needs.

When you think of the right type of business financing for your company it’s important to think of senior and junior! What do we mean by that comment? Simply that a senior lender will want all the security on your business, typically handled by a document called the G S A – General Security Agreement. It then becomes a challenge to source other types of cash flow and debt solutions which can’t be monetized.

A good example of a senior lender is Canadian chartered banks. But when that source of capital isn’t available many firms these days choose asset based lenders, allowing them to drawn on various assets of their business but with more flexibility.

In some cases your business might need a ‘ bridge loan’ – they solve temporary capital shortages.. they are a ‘ bridge’ to future refinancing of your business.

Leasing companies are one of those specialized asset lenders that financing both new and used equipment, even software. While many firms think they are eligible for VC or private equity financing in fact they are poor candidates for that type of financing. Many owners and financial managers spend a lot of time and money going down the venture capital / equity path, only to find they are not ready for this type of capital solution.

Is there a bottom line? We think so, Simply that if you are looking for a commercial finance company for debt and cash flow solutions alternative non bank lenders are a great choice.

What types of financing can be achieved through alternative lenders? In fact they abound and business solutions are available in receivable financing, asset based business lines of credit, tax credit financing, sale leaseback strategies, franchise loans, receivable financing.. also known as ‘ factoring ‘, etc

Seek and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of success when looking for a non bank commercial finance company in Canada.



Source by Stan Prokop