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US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent

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US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.

Source: Comex

Nasdaq Top Gainers and Losers

Source: Nasdaq

Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.

Garden benches are so much more than a place to sit. Available in a wide range of materials it’s easy to find one that suits your specific tastes and needs. They also can not only serve to provide you with a great looking focal point, or garden accent, but also can be used to balance and even help define your garden space as well.One reason so many people love garden benches is that there is just such a huge variety. Most people only associate a garden bench with a metal bench yet don’t realize that there are so many different types available. A metal garden bench can actually be made from iron, aluminum, copper, as well as other types of metal too. These can be as ornate or as simple as you like. For a more natural look many homeowners go with a wooden garden bench. These can range from Oak, Teak, or Pine, to something like Eucalyptus. All of these can add a natural charm and appeal to your garden. There are also many different types of stone benches and a wide variety of plastic garden benches too. Whether you prefer a man-made or natural material there is something for everyone and every garden space.Garden benches are also perfect for providing a great looking focal point or even a more subdued accent to your garden. They work so well at both of these because of the huge variety available. Many homeowners opt for their bench to be their focal point which typically means an ornate metal garden bench, but the choice of material is yours. Depending on your garden there are many types which can work well to give you a focal point which not only matches the style of your garden but calls attention to itself as an object of beauty as well. And of course all the while providing you with a place to sit and enjoy your great looking garden at the same time. Using one to accent your garden space is just as easy because all you need to do is find a bench which goes with the feel, look, and style of your garden and you’re golden. Many homeowners choose to go with a simple stone or wooden bench as an accent to enhance the beauty of their garden because they are extremely good looking but also because they are simple looking enough that they don’t demand all the attention.Another reason so many people decide to purchase a garden bench is actually one which a large number of homeowners and gardeners often overlook the importance of, or don’t think of at all. And that reason is balance. So many people tend to work very hard on one aspect or area of their garden that they completely forget about the look of their space as a whole. This often means that they end up with one fantastic looking section in their garden but nothing else. A garden bench can provide balance to this space by making your garden look much more even and well rounded. An added bonus is that at the same time it can help to define the boundaries of your garden space too. Balance is always much more pleasing to the eye and will also make your outdoor space look exponentially better when viewed as a whole.With such huge array of materials and styles available which can provide you with a gentle accent or striking focal point it’s easy to see why so many people love garden benches. This especially true when they can provide balance and help to define your outdoor space at the same time. Who would have thought a place to sit could be so versatile?

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.