Posts by Jayne Nicholson

It’s fair to say small businesses didn’t feature massively in the Canadian 2022 Federal Budget proposed last week. Although there were a handful of measures aimed solely at business, much of the focus was on individuals, families and affordability as well as incremental spending on defense.  Ultimately though, many of the proposals impacting individuals also…

Both new and established businesses can suffer from cash flow problems occasionally and need to access funding to help them through those times when monthly expenses outweigh cash-on-hand. Securing small business finance shouldn’t be an issue in itself, however many businesses won’t qualify for a bank loan because of lack of time in business or…

In many industries stock constraints have begun to ease over recent weeks. Fears over virus cases and transmission seem finally to be dissipating and although the reasons behind empty shelves remain complex, there is a ‘feeling’ that things are getting back to some level of predictability. This may be the case for electronics and auto…

The apparel industry has many nuances, cash flow constraints being one of the most significant and challenging. Long delays between placing an order and having it delivered to the end customer, along with an extended period between delivery and payment and it can sometimes be a six-month cycle without any cash flowing into the business. …

Small business loans have been the primary source of external financing for businesses and entrepreneurs for hundreds of years and banks still constitute around 70 percent of all lending supplied to businesses. It’s unsurprising then, that outside of personal funds, a loan from a high street bank is usually the first thing that comes to…