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Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.

It is estimated that there are hundreds of thousands of pharmacy technician jobs today, and that number is expected to increase by 25 percent over the next 5 to 10 years.Working as a pharmacy technician or `PT` is one of the best jobs with which to enter the healthcare services industry without having a medical degree, and can be a very satisfying position with much room for advancement.Depending on a person’s education and job experience it is possible to move into a variety of specialized employment positions with their qualifications, as there is much more to the job than simple retail sales at a drugstore or chemists.Different Pharmacy Technician JobsRetail – This is the most known setting and position for most PTs. Technicians who are employed by retail pharmacy stores do a variety of jobs, which start with assisting the Registered Pharmacist or PharmD on duty but generally expand to many other duties that are typical in any retail environment.Techs will count and prepare medications, do record keeping, inventory, ordering, stocking, insurance billing and records, and much more depending on the establishment and the need to do other tasks as well.Depending on qualification and certification, sometimes pharmacy techs in a retail setting are also able to counsel consumers on the use of their prescribed medication as well. It is possible to obtain a job as a PT without any specialized education or training although more and more employers are beginning to require one or the other, or sometimes both.Hospital – Every hospital has a pharmacy from where both outpatient prescriptions can be filled and inpatient medications are dispensed.Working under the Pharmacist on duty, pharmacy technicians in a hospital setting are usually responsible for stocking, delivering and recording all medications that need to go to the different hospital departments, specially compounding medications for patients in the hospital and taking care of any and all medication requests throughout the hospital from other staff.Knowing all hospital regulations in regard to the dispensing and handling of medications is a detailed yet essential part of the job as is being able to keep concise records for billing, inventory and legal purposes.In-patient Care Facilities – Numerous types of inpatient care facilities such as rehabilitation centers, psychiatric hospitals and other facilities keep their own pharmacies as well, and require technicians to assist the Pharmacist on duty.Pharmacy technician jobs usually entail inventory, stocking, ordering and recording of medications, preparing medication doses for patients, delivering daily medication doses to nursing stations, and most of the duties mentioned above as in any other hospital. Once again, record keeping and regulations are an extremely important part of the job for billing, inventory and legal purposes.Medication Compounding – Certain pharmacies do not sell directly to the public, but instead create special medication mixes – called compounds – for other pharmacies and facilities.In a compounding pharmacy, technicians are required to work under the supervision and guidance of the Pharmacist on duty in mixing medications as required by special orders, bulk orders for hospitals and facilities and other requests. Generally this work also involves great detail in record keeping, interpreting prescriptions, medication labeling and medication packing and shipping.Obtaining Pharmacy Technician JobsThe best way to get a job as a PT is to complete a training and education program for pharmacy techs. There are many of these programs available today lasting anywhere from 6 months to get a course certificate and basic education for a retail pharmacy setting to up to 2 years or more to become certified as a pharmacy technician and be able to advance to some of the more detailed positions mentioned above.The best way to find out about schooling and any career requirements is to contact any local pharmacy technicians’ professional organizations in order to get recommendations and learn more about the career as a whole.In most cases, those who have been to school should be able to get pharmacy technician jobs quite easily as it seems there is a constant and growing need for good, certified pharmacy technicians.While qualifications do differ depending on state, region and country, in general it seems as though there are always positions available as the profession continues to grow and pharmacy technicians continue to get more and more responsibilities under their specialty.