It is likely that you have heard the phrase “commercial financing” used in a bank email or at a networking event. It sounds more expansive and intricate than it is. Fundamentally, it simply refers to funds that a company raises or borrows in order to operate or expand. Refinancing previous debt, expanding into a new […]
If you’ve ever sent an invoice and then spent the next 60 days quietly stressing about payroll, you already understand the problem invoice factoring is built to solve. It’s not complicated once someone actually explains it properly, which is rare, because most of what’s written about it online is either too vague or too salesy […]
Last March, a Moncton-area agency owner sent us their books. Revenue was up 22% year over year. They still couldn’t make payroll that month. That’s not a rare story. It’s what happens when a $50,000 contract clears over five months but the payroll run doesn’t wait five months for anything. Service businesses live with a […]
At some point every equipment purchase comes down to the same question: take out a new equipment loan and own the thing outright, or lease it and keep your cash free for something else? There’s no single right answer — a delivery van and a CNC machine don’t play by the same rules.At Service Capital, […]
Are you a person who thinks getting a business loan in Regina is actually not about having perfect paperwork; it’s about knowing what local lenders actually want to see? Between Saskatchewan’s brutal seasonal swings, the realities of running a business near the GTH or in Cathedral Village, and underwriters who closely check both your business […]
If you’re running a business and need a quick injection of cash without dealing with the endless red tape of a traditional bank, a merchant cash advance could be the perfect fit. At Service Capital, we know that timing is everything when it comes to growing a business. Sometimes you just need capital that is […]
If your bills are due today but your customers take 90 to 120 days to clear their invoices, you do not necessarily need to take on more debt. You just need access to your own money. That is where invoice factoring comes in. Unlike a traditional business loan in Calgary. It is not a debt: […]
Your business is profitable. Orders are coming. And your cash? It’s blocked. Maybe your clients take 110-120 days to pay. Maybe your equipment broke down and you need $60K today, not six months from now. Or maybe you are watching competitors grow because they got new machinery and you’re still waiting to save up. The […]
Running a business in Calgary is not easy. One week everything is effortless – clients are paying, orders are coming in, and the books look decent. Then suddenly, downtime hits. Or a big opportunity lands in your lap, but you do not have the cash to act on it.Have you been here before? This is […]
When your business requires cash quickly, two choices come to mind — a merchant cash advance Canada lenders offer or a business loan from a bank. Both deposited money into your account. However, who is eligible, how they operate, and how much they actually cost are very different. This guide cuts through the hype and […]