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They are all the same, aren’t they? Absolutely, positively… not! We are of course talking about the equipment finance company industry in Canada and how your selection of the right partner can determine which advantages and disadvantages you can enjoy… or suffer with. We prefer positive advantages that your business can benefit with, not Canadian business financing decisions that you will suffer via the wrong choice of a lease partner for your specific needs.Ok, so what in the heck are we talking about? Essentially there are four types of asset finance partners in the equipment leasing industry in Canada. And you thought that a lease finance company was a lease finance company!The first type of partner is the ‘captive’ – no you are not the captive! The term refers simply to finance companies that are owned and literally situated within various manufacturing firms. When clients ask us about lease finance options and they mention specific equipment we are always reminding them to ensure they determine if the manufacturer captive finance firm offers asset financing. If they do we can assure you it is probably the best financial terms you will be able to come up with, as well as a better chance for overall approval re rate, structure and other general terms. Why is that?It’s to do with motivation – the captive finance firm is motivated to finance and promote the sale of products using financial options such as leasing to get the products out to the marketplace. Want to know a secret that should surprise most business owners and financial managers? It’s simply that captive finance firms in a competing industry will finance their competitor’s products, often at better rates, terms and structures. That is simply because the financial transaction will probably give the competing mfr a foothold into your business to promote and sell their own products. So don’t think that a great firm such as IBM CREDIT CORP. is the only firm that will finance your products you purchase through them. Others will also!The second main group of asset finance firms in Canada is our chartered banks – Two major banks have leasing arms that are very significant, others employ lease finance to varying degrees. Our real only comment here is that the credit bar is high and more often than not you have to be a customer of the bank to enjoy the great lease and finance structures they offer.The third main category of the Canadian equipment leasing company market is actually the largest and most robust. It also requires the maximum amount of knowledge and navigation by Canadian business owners and financial managers. This is the Independent lease finance market, where there are tens of firms that offer lease financing based on various criteria of asset size, credit quality, geographical preference, industry specialization, etc, etc, etc.You have a great choice with our category 3 partners, the independent finance companies. You can spend tens or hundreds of hours determining their credit criteria, additional collateral they require, the size of deals they do, the different lease structures they offer, or… alternatively.. use our final category for lease provider, the independent lease finance advisor who are knowledgeable intermediaries who know the market, have a strong reputation with lease providers, and can match the advantages you seek in an equipment finance transaction to the right provider. Subtle nuances in your overall lease structure, depending on the size of your transaction, can save you thousands of dollars and untold grief at the end of the term of your lease.So that’s your Canadian lease market overview. Speak to a trusted, credible and experienced Canadian business financing advisor who can successful guide you through the asset finance maze.

Creating an ecommerce web site doesn’t have to be as difficult or as costly as you may think. Many forms of ecommerce solutions can be extremely intimidating to new online marketers.Though many new online marketers quickly realize the benefits of offering products online that can be instantly purchased and processed by means of an efficient shopping cart system, many fine the process of establishing efficient ecommerce systems complex, costly and technically intimidating. This is totally understandable however these factors alone drive many new online entrepreneurs away from testing and implementing eccomerce solutions that could bolster their visitors web experience and earn extra income from their web properties.This doesn’t have to be the case, particularly if you do a little research. Ecommerce enabled web sites don’t have to involve laborious activity and costly start up investments.One way to add value to your web property is to find an ecommerce solution that is “pre-designed” and pre-populated with products that compliment your existing content. These ecommerce systems can be plugged right into your existing web site and many require very little technical skills. Some pre-designed ecommerce solutions offer web site owners the ability to customize content, design and product categories with design elements and products that easily fit into your current web scheme and enormous the value of your existing content and offerings.Here’s a few reasons you should consider this option, especially if you’re new to online marketing and ecommerce activities:1. Low start up cost to completely ecommerce enable your website.Obviously this is a huge advantage to those that want to determine ecommerce feasibility without spending huge sums of money.2. Quick deployment with very low technical challenges.If you simply do not have the technical resources for deploying an ecommerce site this totally removes the technical road blocks associated with deployment.3. Scalability of the ecommerce solution is flexible and immediate.Once you’ve tested the ecommerce solution you can quickly scale the product inventory and expand your offerings without having to call upon exhaustive resources and technical expertise.4. Design customization of your ecommerce site for easy integration into existing content.There’s no need to re-invent the wheel here, simply extend your current design, color schemes and layouts to the pre-designed ecommerce solutions to easily blend into your web site.5. An overall reduction of typical headaches associated with design, development and deployment.This is one area that totally intimidates many web site owners that are considering expanding their web properties to include ecommerce functionality. Pre-designed ecommerce solutions can totally eliminate these hurdles and allow you to easily test and deploy your ecommerce ideas.6. Immediate niche level testing of your ecommerce ideas.In many cases you may not be sure if your web site lends itself to ecommerce activities. Pre-designed, plug and play ecommerce web sites allow you to determine feasibility and test additional potential revenue streams that can bolster your existing web properties.Although all of the factors listed above can prove vital with respect to adding ecommerce functionality to an existing web property, there are a few that are particularly important if you’re considering adding dynamic eccomerce functionality and additional monetization to any existing web presence.One of the biggest advantages by far is the low start up cost associate with monetizing your web site with an ecommerce system. Low start up cost will allow you to test your ideas, offer targeted product lines for your visitors and evaluate the feasibility of expanding your ecommerce offerings without the fear of spending tons of money to do so.Under typical conditions, testing any form of ecommerce system could be very expensive. Pre-designed ecommerce solutions eliminate this hurdle and allow you to accomplish this with very little effort, design cost and “back-end” administration cost. In most cases the products offered by these types of ecommerce systems are direct shipped to your customers and you never even have to become involved with the fulfillment process. It simply couldn’t be any easier than that!Once you determine the feasibility of adding an ecommerce system to your web site you can migrate to a more controlled platform that allows more flexibility and increased profit margins once your initial testing is complete and you’re experienced positive results.This process can occur after as little as a month or two of testing and satisfactory results have been observed.One of the more pressing questions regarding pre-designed ecommerce systems is this… “Where can I find these types of pre-designed ecommerce systems that I can test?”After researching a few of these options I’ve identified a solution that is easy, effective and quite simple to implement.Here’s a simple solution that allows virtually anyone with a web site or web presence to start making extra money today. Amazon and Amazingwebstores.com offers a simple plug and play solution that’s quite easy to customize and integrate into almost any web site.This is also effective because you can use the credibility of Amazon and the power of Amazon’s product inventory and technology to easily sell through your own customizable web store.This gives you the ability to operate a fully functional web site powered by Amazon in minutes. Better yet they offer a FREE 7 day trial which allows you to familiarize yourself with the functionality and features associated with the program.Don’t allow the possibility of adding ecommerce enabled functionality to your existing web properties to intimidate you. Sure cost, administration factors and fulfillment are all challenges however these issues can be addressed with solutions that are quite easy to implement. All that is require is a little research, testing and of course a little creativity.Statistics show that online shoppers are steadily increasing. Test your ecommerce options by using pre-designed ecommerce web sites and systems that provide full functionality and credibility to expand your web presence and add value and functionality to your web properties.