At Kreston GTA Finance Inc., we have decades of experience offering several industries financial advising.
At Kreston GTA Finance Inc. in Markham, our deep industry knowledge enables us to structure asset-based lines of credit with very high success rates. We have successfully arranged business lines of credit against accounts receivable, equipment and inventory, to provide revolving lines of credit to fund growth. We have successfully structured credit facilities ranging from $500,000 all the way up to $30 million, and we do it at the best terms available for the construction industry.
Programs are also available for construction trades and general contractors.
Asset-Based Lines of Credit
Our finance experts at Kreston GTA Finance Inc. have put their knowledge and experience to use in these programs, custom-made to meet the needs of growing businesses. First, we get the best possible deals from lending sources, whether they are private lenders or Schedule I banks. Next, we can reduce interest costs if you are discounting or factoring your trade receivables. We can arrange business lines of credit against accounts receivables, equipment and inventory to provide a revolving line of credit. That gives your company room to grow.
Asset-based lending is a relatively new financing option for Canadian companies that is rapidly gaining acceptance. Tailored to the Canadian marketplace, asset-based financing can offer greater credit availability and flexibility for your business through customized loan arrangements. Kreston GTA Finance Inc. is committed to providing your company with the best overall financing solution, including limited or no financial covenants and the ability to arrange syndication for large transactions.
Asset-based financing could be right for your company if:
Key benefits of asset-based financing:
Small Business Loan
The Canada Small Business Financing (CSBF) loan is an excellent source of financing for many businesses. Kreston GTA Finance Inc. in Markham has been designated a preferred financial services company by preferred Small Business Loan (SBL). Our clients get fast and efficient processing for their loans. Financing can be used to cover up to 90 per cent of eligible costs related to leasehold improvements and equipment.
A federal government guaranteed loan provides the financing you need to get a business started or help an existing business grow. The CSBF Loan is designed to help businesses to purchase, install, renovate and modernize business equipment and other fixed assets.
How this helps your business:
At Kreston GTA Finance Inc., we have experience in commercial development and construction loans. In a time when construction lending from traditional banks has virtually dried up, we recognize that many excellent projects still exist that need financing. We work with lenders who take a pragmatic view of construction financing opportunities. Using our industry expertise and knowledge, we present each financing opportunity in a format that lenders prefer. The right presentation enables credit departments to make informed and accurate decisions. We do analytical work in advance for the lenders and their credit departments to create a high rate of success with lenders. We get clients’ deals funded quickly, without any surprises.
Kreston GTA Finance Inc. is looking to arrange finance companies in many industries:
In select cases, we may even take an equity stake in the project.
Accounts receivable financing, or factoring, is the purchase of accounts receivable invoices at a discount. If you sell your products or services to businesses that pay in 30, 60, 90 or more days, Kreston GTA Finance Inc. has a liquidity solution for you. We can finance companies that are start-ups or losing money, because accounts receivable financing is based on your customer’s credit, not yours. This is not a debt; you are selling an asset. But it is more than just an asset sale. You are almost outsourcing your accounts receivable department. Factors provide valuable services. They check your customer’s credit for you and notify you of bad risks and they provide detailed monthly statements. Qualifying accounts even get free credit insurance. Your acquired money can be used to:
Current commercial credit cannot meet the needs of all businesses. As a result, more and more business leaders are looking for alternative financing deals. Mezzanine financing is a hybrid deal structure that fills the gap between bank debt and equity. Mezzanine deals are well-suited for financing expansions, management buy-outs, acquisitions and recapitalization. At Kreston GTA Finance Inc., our expertise lies in working with clients to develop mezzanine deals that help move their business forward.
Mezzanine financing could be a right fit for your company if your company is a mid-market business with a proven track record and attractive fundamentals like:
Benefits of mezzanine financing include:
We arrange equity capital to affect acquisitions and recapitalization of commercial real estate. This allows our clients to maintain a significant ownership interest and management income. Kreston GTA Finance Inc. can also supply this type of financing for assets that have loans due to mature and are upside-down. This situation presents a challenge to refinance with traditional lenders. With access and representation of institutional and high-net-worth individuals, we can create a customized capital structure to meet your needs.
Commercial Real Estate
Kreston GTA Finance Inc. Banking offers a range of options for your company whether you are involved in residential and commercial land development, construction of industrial, commercial and residential projects, or simply wish to maximize the value of your corporate real estate assets.
Loans that relate to large, multi-tenanted, commercial-use properties cannot usually be repaid prior to maturity of the mortgage. However, loans that relate to smaller, owner-occupied, or commercial-use properties usually have pre-payment privileges. These are similar to conditions for residential property mortgages. In other words, the loans may be repaid before maturity, provided that the mortgagee owns an incentive or “bonus” for permitting the early repayment of the loan.
Kreston GTA Finance Inc. can help with your company's real estate financing needs if:
Different types of mortgage loans are available to commercial-use property owners:
Mortgages that cannot be terminated and the loan repaid before maturity of the contract.
Mortgages that may be terminated without payment of a bonus to the mortgagee.
Mortgages for which the interest rate remains the same throughout the term of the contract.
Mortgages for which the installment payments remain the same during the term and for which principal is repaid to the mortgagee on a sinking-fund plan.
Mortgages for which the installment payments are only interest, and the mortgagor owes the same money at maturity of the mortgage that was initially borrowed.
Mortgages that are amortized and for which the interest rate may fluctuate during the term because it has been pegged to rise or fall with the commercial banks’ prime lending rate (“prime”). The installment payment for adjustable-rate mortgages changes whenever the interest rate changes.
Kreston GTA Finance Inc. is a focused lending partner for healthcare organizations. We take a strategic approach and ask the right questions to understand your business. As your partner, we take on the goals you set and design a line of credit to help you achieve them. Kreston GTA Finance Inc. provides asset-based lines of credit from $500,000 to $50 million for healthcare organizations with revenues of up to $300 million. These lines of credit can be used however they will help you best.
At Kreston GTA Finance Inc., we understand the intricacies of healthcare that may perplex other advisers. Provider specialities include but are not limited to:
We arrange loans to doctors, dentists, chiropractors, veterinarians, pharmaceutical representatives and other healthcare professionals. We offer working capital, debt consolidation, equipment financing, expansion loans, improvement loans and practice acquisition loans for your practice.
It takes the right team to properly structure the right financing for large projects from $1 million to $50 million or more. We answer commercial financing needs with comprehensive solutions that are often unavailable through traditional channels.
Kreston GTA Finance Inc. caters to your unique circumstances and works creatively to structure financing based on the unique elements of your project- its assets and projections. Thanks to the relationships we cultivate with capital partners, our funding capacity is virtually limitless.
Whether your project requires $1 million or $100 million, Kreston GTA Finance Inc. can structure your deal properly and get it funded. We work through:
Capital Lease & Equipment
Acquiring new equipment is often the best way to boost productivity and increase capacity. Financing this investment in your business, however, can be a great challenge for many businesses.
We can finance almost any type of business-related equipment and leasing can be the most efficient and effective way. It’s an alternative tool for managing growth and planning for the replacement of existing equipment and technology while reserving cash flow. Paying for equipment may restrict cash flow – cash which could be better deployed to finance receivables and inventory or distributed to shareholders. Companies may prefer leasing to avoid the cost of buying equipment or to reduce monthly finance payments.
When deciding to lease or purchase equipment, there are many variables to consider. At Kreston GTA Finance Inc., our advisors can help you decide what’s right for your business.
Weighing leasing versus borrowing to buy:
First, consider how long you will actually use the equipment in question. If you only need it for a limited period, if the equipment will soon become obsolete or if you prefer to upgrade often, then leasing may be the right choice. On the other hand, if you plan to keep the equipment for its entire useful life, it may be better to buy, depending on your cash flow and tax situation. Even if you plan to keep an asset for its entire productive life, it is important to consider fully the financial implications before deciding between leasing a loan or a cash purchase. Some leases allow your company to accelerate claims for tax credits and some are structured for specialized purposes.
Solar Panel Financing
Kreston GTA Finance Inc. is committed to helping Canadian businesses finance renewable energy projects. Demand for energy and its cost continue to grow. Many Canadian businesses are evaluating their dependence on non-renewable energy sources and considering investments in renewable energy alternatives.
Over the past decade, great strides have been made in technologies that generate power from solar, wind and geothermal sources. In recent years, costs of installing and operating a renewable energy system have decreased substantially. Renewable energy helps to stabilize energy costs and support long-term prosperity for Canadian businesses.
Government incentive programs:
The province of Ontario’s Green Energy and Green Economy Act (2009) created the Ontario Power Authority’s FIT and Micro FIT programs to encourage the development of qualified renewable energy projects. In this program, businesses that generate power and feed it back into the grid system under an OPA contract will receive a pre-determined payment for this electricity.
Although Ontario is currently the only province with this legislation in place, similar incentive programs are developing in many other areas. Some municipalities offer other types of incentives for renewable energy investments.
Contact the expert team at Kreston GTA Finance Inc. for advice on your solar panel financing requirements.
Private Equity & Joint Venture
Kreston GTA Finance Inc. has had remarkable success helping companies introduce equity or joint venture capital to their businesses. With our expertise and key alliances in the private investment arena, Kreston GTA Finance Inc. provides a broad investment mandate, including recapitalization, management buyouts, corporate divestitures, leverage buyouts, and growth capital. We partner with our clients to pursue quality investments.
Some of the points that our firms look for in a potential investment:
When it comes to franchise financing, there is no better place to obtain financing than with Kreston GTA Finance Inc. Whether you’re a first-time business owner or have multiple locations, we can get the financing you need from $150,000 to more than $5 million.
As one of the fastest-growing methods of business expansion in Canada, business format and brand name franchising can help you grow your business. Franchise financing enables you to combine your proven concept and operating systems with the local market expertise and capital of your franchisee. Our financing solutions are as unique as your business. We arrange customized financing packages for all types of owner-operated business systems, whether you're considering franchising as an alternative source of capital or as a means to lower your leverage.
Franchise financing could be right for your company if:
We offer a variety of financing options for purchasing real estate or equipment, new construction or remodels, acquisitions or refinancing. We offer a fast per-qualification process for your franchise loan, and we never, ever waste your time.
Our franchise financing program includes:
Kreston GTA Finance Inc. is one of the most successful financial consultant firms in Toronto. We welcome client referrals from sources across the country. We offer generous referral fees on success fees earned, and many of our referrals come from various reputable and reliable sources. Our independent status as a private company allows us to be a resource for financial institutions across Canada. We also receive referrals from equity sponsors, venture capital and investment banking firms, attorneys, financial consultants, financial brokers, and other asset-based lenders and factoring companies. To companies looking for a lending partner, we offer our expertise in strategic financing and our comprehensive experience in a variety of industries.
Following on these referrals, Kreston GTA Finance Inc. nurtures new relationships with businesses while contributing to their success. Kreston GTA Finance Inc. gives banks and other sources a trusted resource for the working capital that the companies referred need.
At Kreston GTA Finance Inc. financial we work with a team of specialists in the wealth management and financial advisory profession. Our approach aims to assess your current financial circumstances and connect you with our hand chosen professionals. This ensures that your financial needs are serviced by the best advisors.
Wealth management services aim to satisfy a myriad of different needs and goals for individuals, families, trusts, corporations and institutions. Superior wealth management services are simply not just about money management. This discipline requires a strict adherence to a multi-disciplined and integrated planning approach that not only reflects your own changing needs but ensures stability in an environment that is in a constant state of transformation. We have the following expertise to provide specialized advice, planning and life coaching during whatever challenges or milestones that you, your family and your business may face:
Wealth management and advisory services link these complex relationship issues with the right products and services at any stage in life. Due to these unique abilities to advise and manage complex relationship issues, superior wealth managers end up managing their client’s finances for a lifetime.
The best professional wealth managers are in high demand and are difficult to find. At Kreston GTA Finance Inc. we have already located these top individuals with the highest level of expertise in the industry and we can ensure that you are matched with the right expert.
Distressed, troubled or under-performing companies face challenges on multiple fronts. We bring strong industry expertise coupled with an extensive track record in financial advisory services. Companies turn to us for help.
Turnarounds and Workouts:
We help companies facing financial challenges or pressures to address issues that limit profitability or even endanger survival. Our approach emphasizes pragmatic decision making and rapid implementation. Seasoned professionals combine substantive, hands-on experience with the insights of company management to respond to unstable or unpredicted scenarios. A combination of financial and operational expertise gives us an excellent understanding of turnaround issues and we have a proven track record of success for our clients.
Interim and Crisis Management
We serve in interim and crisis management roles for clients, acting as chief executive, chief operating, chief financial, or chief restructuring officers in a wide range of industries. Our professionals leverage their diverse experiences in senior management roles at leading large- and middle-market businesses to deliver results in critical situations.
At Kreston GTA Finance Inc., we make a commitment to our clients and we stand by them with more than just talk. People choose Kreston GTA Finance Inc. because we earn their trust. And our clients will tell you, they continue to do business with Kreston GTA Finance Inc. for the same reason.