All businesses, regardless of size, maturity, geographic location, and industry, need money (capital) to start, maintain and / or expand their business. Capital can be acquired through debt or equity and can take the form of many financial instruments. Debt instruments used by SMEs may include, but are not limited to, term or demand bank loans, private loans, operating lines of credit, credit cards, leasing, supplier credit agreements and government guaranteed loan programs.
Investments in the equity capital of SMEs mainly take the form of the acquisition of one or more classes of shares in the company. It can be a personal investment made by the entrepreneur, private investments made by family or friends, angel investments, venture capital investments and, in the case of publicly traded companies, stock purchases in response to public offerings.
Dans le cas des entreprises établies, les bénéfices non répartis peuvent aussi être réinvestis dans l’entreprise. Une nouvelle entreprise a besoin de « capitaux d’amorçage » pour ouvrir ses portes, de « capitaux de démarrage » pour acheter le matériel et les actifs de base, de « fonds de roulement » en quantité suffisante pour assurer le bon fonctionnement des activités courantes et de « capital d’expansion » pour acquérir des ressources additionnelles et investir dans les nouvelles technologies et exploiter les occasions d’affaires au fur et à mesure que l’entreprise progresse et prospère.
GOVERNMENT PROGRAMS
Many federal, provincial and regional funding initiatives have been designed for SMEs in Canada. The Canada Business Service Centers (CBSCs), which have offices in major cities across Canada, provide excellent links to these programs.
Many initiatives are aimed at young entrepreneurs, indigenous entrepreneurs, minority entrepreneurs as well as women entrepreneurs in particular, and others at SMEs in general. The vast majority of programs offer small loans to eligible applicants, and many of them also offer mentoring and networking opportunities to entrepreneurs to increase their chances of success.
In this context, many may lose their Latin. At REDMacaron INC., We are able to find the right program for your business. At REDMacaron INC., we support the client in his research and we present the business plan to the Institutions with you. We are by your side throughout the process.
