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SEO software does what exactly?SEO software frequently starts from the following assumption:- look at the page that ranks number 1 in Google,- do exactly the same + a bit better,- and you will be number 1SEO software will then examine “all” the SEO parameters that it finds out about the number 1 site in Google. Then this SE software will automate the process in mimicking this for your site.SEO is more than a software-approach!SEO is the art of ranking number 1 in any search engine for any keyword.Spiders rank a web site number one because spiders “think” that this site deserves to be number one. Of course the spider cannot think: there needs to be a programmer who programs the spider to find out which site is best.Now if you are smart enough to feed the spider exactly what the programmer thinks is important, you will have the knowledge to rank number 1.This is exactly what SEO software does: it claims to know and tackle “all” the parameters that make a web site ranking number 1.Pitfalls of a software-approach to SEOSuppose you find all the parameters needed to rank a web site number 1. You manage to get all this parameters onto your site and you even manage to be rank number 1.Now if your site is really deserving to be ranked number 1, all is fine. But if surfers start complaining that you are not, the search engine will be blamed!It won’t take long until Google finds out that “somebody broke the code” of the spiders. The spiders will be updated to give quality results to the visitors!This means you need to get an upgrade of your SEO software approach… : you are running after the facts in stead of above the facts.How to be ranked number 1?You rank number 1 because you deserve it.In spider logic this still means:- your page talks about the keyword you are optimizing for- you page has lots of incoming links about the keyword you are optimizing for.This is what ranking number 1 should be about.But my SEO software is really up to date, or is it not?Your software can only be up to date AFTER the spiders’ software is updated. Unless you write the spiders yourself, you will always be a bit later.You cannot know all the parameters the spider takes into account, unless again you are writing the spider software yourself.Some of the parameters you cannot influence: age of the web site is one of them. Suppose the spider needs to choose between 2 websites: the oldest one and the SEO mimic: which one to choose? The oldest one would be the easiest bet, and you cannot change the age of your web site can you?A close look at SEO softwareSEO software advertisements could say that you can get a top 5 Google Ranking in under 30 Days… If that is true, then check out to see:- is the web site of this SEO software ranking number 1 in Google for SEO or SEO software?- are the example web sites the SEO software mentions to be ranked number 1, really number 1: number 1 in Google that is?It’s very easy to type in the keyword phrase of the SEO software example web site and see if they are number 1 or not.And don’t be fooled by SEO software that gives numerous examples of number 1 rankings in MSN or Yahoo: if you want to have a long lasting number 1 ranking in any of the search engines, you better start having a number 1 ranking in Google.I didn’t say that it is a guarantee to rank number 1 in Yahoo and MSN once you rank number 1 in Google, but you will surely be high up there as well. On the other hand, a number 1 ranking in MSN can mean that you are no where to be found in Yahoo nor Google.So you say: well, then I just try to rank number 1 in MSN since it seems to be easier. Well, it is easier, but then it is easier for your competition as well, so it won’t take then too much effort to out-play you again. Therefor do the job good once and for all: thrive to be number 1 in Google and then fine-tune if needed for MSN or Yahoo.Why do you do SEO in the first place?SEO is 1 of the ways to get more traffic to your web site. But there is more in getting a lot of traffic to your site, than “blindly ranking 1 in Google”:— Always make sure you rank number 1 for a word a lot of people are looking for! —If you buy any SEO software or out-source your SEO to the SEO specialists: always check their SEO examples:- are they ranking number 1- are the keywords they rank for popular search keywords (bigger than 10.000 searches a month in the Keyword Selector Tool from Yahoo’s search-marketing is considered not too low)- how long did it take them to be number 1- how big is the competition for the keyword-phrase (smaller or bigger than 5 million? As a general rule : above 5 million keyword-phrase results in Google, things become though)- how big is the competition for the quoted “keyword-phrase” (smaller or bigger than 33.000? As a general rule : above 33.000 quoted “keyword-phrase” results in Google, things become though)If for all these items the SEO software or SEO specialist can answer YES, then you can start taking them very seriously!Try it out for each example web site any SEO software claims to have ranked number 1 for a certain keyword-phrase. And of course, always start with checking if they are ranking number 1 in the first place! If they are not, then you are going to buy SEO software that doesn’t do the job! Ranking number 2 is ALMOST number 1, and even worse, ranking number 9 is nowhere near to ranking number 1.SEO software web sitesWhenever you are interested in something to buy on the Internet, check out the overall web site of the product you want to buy!Some SEO software web sites are 1 page web sites: just 1 page with the product, no links, no extra pages…Again back to basics. What was the first idea to set up the Internet? To give people information, lots of information.And we are talking about a “NET” in Inter”NET”: “net” means links here, links there, links everywhere… (that’s why links are so important in SEO)If you don’t see lots of links nor lots of content on a web site about SEO, then the SEO web site is not serious about its own subject: SEO!Back to Basics: web-trafficYour purpose is getting as much people to your site as possible, isn’t it?SEO software has the purpose of ranking 1 in Google.Now it is very easy to rank 1 in Google for the keyword-phrase “jhdkghgkbdcds”,
but who is looking for “jhdkghgkbdcds”??? Nobody!So if nobody looks for “jhdkghgkbdcds”, then why bother to rank number 1 with it?What is a nice number when it comes to “popular keyword searches”? If you use the Overture Keyword tool, anything above 10.000 searches a month means quite popular, but: also know that above 10.000 “the big boys’ are competing
with you, below 1.000 you have the field for yourself. So a good SEO advice is work yourself from the bottom up: start with keywords that are not so popular, and once you are ranked high for those, then tackle the next more popular keyword on the list.SEO software ConclusionSEO is the art to feed the spiders what they like.
SEO software is running after the spiders trying to catch their attention.Always check the numbers and the facts about any SEO software and (this) SEO article!Then make a decision yourself. If you see that the SEO software- is ranking well for it’s own product- is ranking web sites for popular keyword well,only then you can consider buying it.

Business capital requirements in Canada often boil down to some basic truths the business owner/financial mgr/entrepreneur needs to address when it comes to financing for businesses.

One of those truths? Knowing the true state of their financial condition and what financing they do and don’t qualify for when it comes to meeting commercial lending requirements in Canadian business.

Business Loans In Canada

Whether you are smaller or start-up firm looking for information on how to get a business loan or a larger established firm looking for growth financing or acquisition opportunities we’re highlighting 3 mistakes that commercial loan seekers like your company need to avoid making when addressing, sourcing and negotiating your cash flow / working capital and commercial financing needs.

1. Understand the true condition of your company finances – These are almost always successful addressed when you spend time on your financials and understand how your financial statements reflect your access to commercial loans & business credit in general

2. Ensure you have a plan in place for sales growth and financial needs as it relates to commercial financing

3. Understand that actual hard facts about cash flow which is, of course, the lifeblood of your company

Can you honestly answer or feel positive about all those 3 points. If so, pass Go and collect $ 100.00!

A good way to address your company’s finance plans is to ensure you understand growth finance solutions, as well as how to manage in a downturn – i.e. not growing, losing money, etc; It’s never fun to fund yourself in an economic or industry downturn such as the COVID pandemic of 2020!

When we talk to clients of new or established businesses it seems they are almost always talking about sales, so the ability to understand and focus on the differences in their profits and cash fluctuations is key.

How do cash flow and sales plans and projections affect the type of financing you require? For one thing sales growth usually starts out by consuming your cash, not generating it. A poor finance plan will drag your business down and addressing financing simply gets tougher and tougher.

Three basics always emerge when it comes to your search for the right business capital and financing.

1. The amount of financing you need

2. The type of financing (debt/cash flow/asset monetization) The business loan interest rate will be dramatically affected by whether you choose traditional or alternative financing solutions. Private business loans in Canada come from non regulated commercial finance companies most often known as ‘ alternative lenders ‘. These lenders are typically highly specialized in one ‘ niche ‘ of business financing and may be Canadian firms or branches of U.S. banks and non-bank lenders

3. How the financing is structured to be manageable with your day to day operations

What Finance Company In Canada Can Meet Your Borrowing Needs & Why Is Capital Important In Business

Let’s identify and break down key financings your firm should know about and understand if they are applicable and achievable to your business. They include:

A/R Financing / Factoring / Confidential Receivable Finance

Inventory finance / floor planning / retail inventory

Working Capital term loans

Unsecured cash flow loans

Merchant working capital loans/advances – these loans are geared toward short term cash needs and are typically one year in duration. Loan amounts are typically 15-20% of your annual sales revenues.

Royalty finance

Asset based non bank business lines of credit

Tax credit financing (SR&ED bridge loans)

Equipment Leasing / Sale leasebacks – Equipment financing in Canada is used by almost 80% of all companies looking to acquire new, and used, assets.

Govt Guaranteed Small Business Loan program – Government Loans in Canada are sometimes referred to as ‘ SBL’, aka Note: BDC Finance solutions are available from this Canadian non-bricks and morter crown corporation. A small business loan via the government-guaranteed loan program comes with true flexibility around term loan duration, market rates, no pre payment penalties, and of course the low personal guarantee that is required by borrowers. These two ‘ government ‘ loan solutions are often perfect for financing a new business.

If you’re focused on not making mistakes in your business finance needs and want to capitalize on the solutions your competitors are probably already using seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow and commercial financing needs.

Stan has had a successful career with some of the world’s largest and most successful corporations.

His employers over the last 25 years were, ASHLAND OIL, ( 1977-1980) DIGITAL EQUIPMENT CORPORATION, ( 1980-1990) ) CABLE & WIRELESS PLC,( 1991 -1993) ) AND HEWLETT PACKARD ( 1994-2004 ) In 2004 Stan founded 7 PARK AVENUE FINANCIAL – He is an expert in Canadian Business Financing.

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?