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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.

Industrial vs Non-industrial Plasma machinesPlasma cutting technology is a widely used process that has gained widespread popularity for its ability to cut most forms of metal and is quite favoured for its simplicity in use. It’s versatility with its range of capabilities and applications have made it a universally accepted metal cutting process.Non-industrial Plasma Non industrial plasmas are best suited for garage users of steel fabrication who require plasma cutting perhaps 2-3 hours per day 3-4 days per week. A plasma in this class is best suited to small operations that work on mostly customised jobs. Non industrial plasma units are much cheaper to purchase than industrial plasmas but cannot tolerate the ongoing high volume that an industrial Plasma is designed for. Air plasmas and lower end conventional mechanised plasmas generally fall into the category of non-industrial plasmas.Industrial Plasma Industrial plasmas refer to plasma units geared towards high volume large production facilities that have enough work to elicit a machine to operate a full eight hour shift five days per week. Plasmas in this class usually can operate up to three eight hour shifts per day, seven days per week if necessary. If your operation fits into this category then an industrial plasma is not only preferable, but an absolute necessity.Higher end Conventional plasma and High Definition Plasmas fall into the category of industrial plasmas. With modern day advances however High definition is generally the plasma of choice due to the higher levels of automation they provide as well as the higher level of cutting proficiency they are capable of achieving.Advantages of Industrial Plasma (high definition plasma) • Lower operating Costs• Oxygen and multi-gas capability for improved• Faster Cut speeds• Improved weldability• Significantly longer consumable life• Thicker cutting capability• Quick disconnect torch• 100% duty cycle• Hi-Definition technology• Best cut quality including squarer edges and rounder holes• Mark, cut and bevel with the same consumables• More process options for optimizing cut quality• Remote (CNC) gas switching capability• Patent TruHole technology for best plasma cut holes – unique to Hypertherm high definition plasmas• Hdi thin stainless technology• Optimal gas mixing for mid-range stainless steel• Higher pierce capability• Much higher automation• Higher resale value• Much longer life on machine• Significantly higher production capability• Significantly higher computer aided design capabilityEssential components of an Industrial plasma cutting machine What is most essential to a plasma machines ability to provide continuous quality cutting are the ‘Controllers’ of a plasma unit. A well-engineered, well-constructed control unit is essential to providing consistent high level cutting precision and quality, carried out at high speeds over long hours. A poor to average control unit is incapable of achieving consistent precision especially over long production intervals where it is likely to overheat or break down.Controllers consist of five main components: Power source, controller, a lifter, drives and servo motors.Power SourceIt is very important to get a renown plasma source for your machine to achieve a high performance and reliability to deliver consistent cut quality, high productivity, lowest operating costs whilst lasting you a long time for your business.LifterThe lifter is an essential component providing precise height control of the plasma torch. Utilising a quality THC height sensor will reduce the cut to cut cycle time (up to 60%), provides better cut quality due to proper assembly of torch height, savings on power and longer consumable life.In addition the quality torch height controllers automatically adjusts voltage for proper torch height to optimize cut quality and consumable life. Traditional torch height controls require an operator to periodically adjust arc voltage to ensure proper cut height.Control The controller needs to have all the process expertise built in resulting in flexibility and ease of use for the end user. A quality controller has a digital I/O sercos system that will deliver reliable motion system quality and will improve the cut quality and productivity.The software should allow flexibility and ease of use for the end user, so a person with little or no experience on the controller can cut like a seasoned professional in as little as a day.High End Servo Drives and motorsHigh end drives like Bosch help ensure high stiffness essential for accuracy, minimal backlash and easy adjustment. The servo drives receive command signals that amplify and transmit electric current to the servo motor in order to produce motion proportional to command signals.Their main advantage over DC and AC motors used in non-industrial plasmas is the addition of motor feedback which can be used to detect unwanted motion or to ensure the accuracy of a command motion. Servos in constant speed changing use typically have a better lifecycle than DC/AC motors and can also act as a brake by shutting off generated electricity from the motor itself.Bosch Servo motors Bosch servo motors allow for precise control of angular position, velocity and acceleration. It consists of a sophisticated motor coupled to a sensor for position feedback.Stepper motors typically used in low end CNC machines provide no feedback encoder as drive signal specifies the number of steps of movement to rotate. This lack of feedback limits performance as the stepper motor can only drive a load that is well within its capacity otherwise missed steps under load may lead to positioning errors.Low rails Industrial plasma’s usually feature low rails secured to the ground to ensure the highest level of stability driven by helical drives to provide optimal accuracy during the rapid fast moving of the plasma beam during long production intervals.Table design rails usually seen on non-industrial plasmas won’t have the same level of rigidity and are thus less suited to high volume rapid pace production. In addition with rails built onto the cutting table and so close to the plasma, with constant long duration cutting the rails are at risk of distorting in shape (over time) due to the constant exposure to heat.CAD / CAM software To greatly improve the efficiency of production in a high volume settings you require a more advanced software to provide a much wider range of functions which greatly enhance the productivity of that operation. Using a more advanced software unit can provide some of the following advantages just a to name a few:• Import CAD and CNC files• Separate multiple parts from a single CNC file• Group Parts into clusters for nesting• Automatic and manual nest sequencing• Control cut directions and cut sequencing on part by part basisThe addition of a quality software allows a much higher level of automation, significantly reducing key punching and is user friendly enough to allow even the most novice operator to cut parts like a seasoned professional.Cutting table For the purposes of industrial fabrication it is essential that a cutting table is well constructed, heavy and durable to meet the demands of an industrial operation. In most non-industrial plasma units, cutting tables are constructed from thin sheet metal and alluminium castings to reduce the cost of the overall unit. The problem with this is that due to the thin, light construction, the table can shake or wobble, adversely affecting the accuracy of a cut part. Furthermore over long production periods, due to the ongoing exposure of heat generated from the plasma these tables are likely to distort over time.The durable robust construction of an industrial plasma table is essential to give the table stability for the highest level of accuracy and to prevent heat distortion.Industrial plasma units usually offer the choice of a water or dry table with a dust collection unit. Water tables are cheaper to purchase but require much more ongoing maintenance and cleaning which over time becomes more expensive than using a dry table with a fume extraction unit. In an industrial environment both are acceptable.Non-industrial plasmas usually come with water tables once again to reduce overall the cost of the unit though some are offered with a dry table and fan which is only sufficient in removal of dust and fumes in a light fabrication setting.Having a Support team The purchase of a Plasma machine whilst being an expensive investment can provide enormous returns to any business where there is a demand for work, the correct facilities are utilised and they are maintained with the right level of care.It is essential therefore that a full support team is available to service your machine for ongoing maintenance, in the incident of a breakdown or where any other form of technical support is required.In any high volume industrial environment any down time can translate into large losses in profit so it is important to have a local service team, but more to the point a team who knows the full operation of the machine from bolt to bolt, to shorten the time required to fix the machine, though also to provide phone support for quick fixes that do not cost any call out fees.Why Non-Industrial Plasmas are so much cheaper to purchase than Industrial Plasmas Many first time buyers of Plasma machines may look into purchasing a non-industrial plasma as a form of entry level use not fully understanding the full capabilities or limitations they have especially when compared to industrial level plasmas.A cheaper price tag is often the motivator to go with a non-industrial plasma but in the long run once users have been able to thoroughly compare the two in performance, reliability and productivity it becomes very clear why non-industrial plasmas are so much cheaper.In most situations fabricators who start out using non-industrial plasmas find with ongoing use that their functional capacity is very limited and with further research and exposure to industrial plasmas that they eventually upgrade to one as they provide much greater productivity, more flexibility in use and better quality cut parts with consistent precision. In addition industrial plasmas have a much greater lifespan, are a lot more durable and are built to handle a much higher degree of volume equating to far better value.Many manufacturers of non-industrial plasma machines try to capitalise on the lower end cheap market by providing only the bare essentials of plasma cutting. Many of the reasons they can offer a plasma machine at a cheaper price is due to reasons including:- Often software is not included in the package and in many cases users need to integrate a separate laptop/PC to operate the CNC cutting function. Even when software is provided usually they only provide very basic functions.-Table and beam are constructed of thin light constructed sheet metal, not suited to heavy duty fabrication and are highly likely to distort in shape over time, due to ongoing heat exposure generated from the plasma. Rails are also built onto the table rather than being bolted into the ground.This type of design does not provide the stability required to support quality precision during fast rapid movement due to the lack of rigidity and lightness of the table construction.-Use of DC/AC motors and stepper motors as alternatives to drives and servo motors translate to limited performance, slower cutting, inconsistent poorer precision and positioning, slower acceleration and velocity.-Fume extraction units are not included and another way to reduce the price on non-industrial units. A water table or dry table with fan are usually what are provided, though with light fabrication this is usually sufficient.-Cheaper components are normally incorporated that don’t have any real brand reputation for performance or reliability.-Aside from the above non-industrial plasmas can generally operate perhaps 2-3 hours per day 4-5 days per week and have an average lifespan of about 3-5 years.Conclusion For those considering the purchase of a plasma unit it is very important to be clear on the capability of the unit and whether or not that unit can meet all their requirements not just that of a single part.Plasma machines have been designed to provide varying levels of functionality with a price range to match. Industrial plasma machines are logically more expensive but when the components are thoroughly broken down, one can clearly see that the cost is commensurate with the performance and capability, and in retrospect this is also true of non-industrial plasma machines. When matched in the suitable environment, business owners often see a return on investment within 2-3 years and as smaller businesses grow, industrial plasmas become a very natural progression.

Health is the greatest treasure a man can have.There are several factors that influence our health. Among them we find the pollution, stress, inadequate nutrition.
All these factors are hurtful to our body.Did you know that in a whole year we consume over four kilos and a half to five kilos of poisonous substances present
in our food?If not eliminated, these substances create a chaotic movement of our body cells and generate a favorable ground for the action of free radicals. These free radicals generate a great diversity of cancer forms.Health depends on an adequate diet too. “Scientific evidence in support of the health benefits of
nutritional supplements has grown dramatically in recent years,” said Jeffrey Blumberg, Ph.D., a professor in the School
of Nutrition Science and Policy at Tufts University in Boston. “We must now work to translate this knowledge to health
care providers, policy makers and consumers so the simple actions people can take to promote their health and prevent
disease can be more fully realized. The impact of a rational use of dietary supplements can also help reduce health care
costs which escalate every year as our population grows older.”SymptomsMany problems such as : lack of energy, insomnia, headaches, depression, mood swings, anxiety, easy bruising,
bleeding gums, slow wound healing etc. can be traced directly to deficiencies in specific vitamins and minerals.CircumstancesBecause of the methods applied nowadays in agriculture, which destroy de natural mineral substances, we can’t be sure that
the agricultural products ensure us the necessary vitamins and minerals. Although all people should try to have healthy and
balanced diet, few in reality do.Nutritional Supplements to bridge your nutrition gapsMore and more people try the nutritional supplements as a way to combat the nutritional deficiencies and to ensure the
necessary of vital nutrients for maintaining the quality of their life. Before you start taking nutritional supplements
you must know a few things about them.Nutritional supplements represent a support to our body. The nutritional supplements clean the human body and restore the
deficiencies present inside. While taken constantly, nutritional supplements promote good health and help prevent disease.
Nutritional supplements represent a good thing that we need .
Here are a few things that you might consider before taking nutritional supplements:
1. Everybody can consume nutritional supplement and mostly if is diagnosed with a nutritional deficiency.

2. You must find out if you have a nutritional deficiency.

3. Ask your physician if it is safe for you to take nutritional supplements.

4. Does this supplement interacts with any drug or food you are consuming?

5. If you want to know more you can read about it or you can find more information at nutritional supplements guide from the Internet
QualityRegarding their quality, the nutritional supplements must be natural, easy to assimilate, must have a high nutritional value,
must come from ecologically non-polluted areas and must be certified.On the market are thousands of dietary supplements. Great companies fight for a place on the market. Each of them offers a diversity of products.
These products seem to bring the same benefits to our body but they are in fact very different one from another.
The difference is obvious when you read the label and you see the ingredients. The ingredients are the ones which make
the products so valuable.ResearchThe nutritional supplements are usually obtained after a period of research.The research services work hard in order to offer us good products having great and rapid effects. It would be good for
you when you choose to take nutritional supplements to inform upon the company which produces the products. If it is a
world leadership or if it is among the greatest in the world than you may decide to consume the products it proposes to you.
They are first tested over and over again and are only then offered to the public.So we must be very careful when choosing nutritional supplements and don’t forget to consult your physician!.