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San Jose, capital and largest city, has the best Costa Rica tours for most travelers and tourists. This city offers numerous spectacular museums, first class restaurants, and amazing night life venues. Some may think less of this city because of its urban sprawl but nevertheless, they soon found out how this city can be very entertaining especially once you’ve visited Plaza dela Cultura and Paseo Colon.Some of the fun things to do in Costa Rica can be done at the Plaza de la Cultura. It is also known as the Culture Square, is usually the place to go to shop for souvenirs, sun bathe or enjoy a night out while watching marimba bands and other entertainers including comedians or clowns, jugglers and colorfully dressed artists playing Andean music. The Paseo Colon; however, is one of the best hotels in San Jose with really accommodating and helpful staff as well as luxurious and comfortable rooms.The Jade Museum is one the most visited attractions according to Costa Rica vacation reviews, highlighting the country’s century-old artifacts and the world’s largest and renowned collection of Pre-Columbian Jade. The Costa Rican Art Museum also known as Museo de Arte Costarricense by the locals, showcases a collection of works by the country’s most celebrated artists back in the 19th and 20th centuries. Its presentation is highly impressive because of its rotating shows and sculpture collection. Most of the works are exhibited in all forms of media. The National Museum, also called the Museo Nacional, was founded in 1887 and is situated in the old fort used by the military during the civil war back in 1948. This museum displays the natural history, Pre-Columbian culture as well as history of Costa Rica.Other exciting Costa Rica tours involve the Pre-Columbian Gold Museum near downtown San Jose. The Pre-Columbian Gold Museum which is part of the Central Bank Museums is an underground cultural center that exhibits the marvelous collection of gold objects that reflect the techniques of the Pre-Columbian people in Costa Rica. The exhibition is divided into two levels: an introductory and area for orientation at the 2nd level of the structure that interprets the evolution of Pre-Columbian cultures. The metallurgy development in Costa Rica, the styles and stages are also featured in this level. The second level which is located at the 3rd level of the structure showcases the diverse uses and meanings of the gold objects. An introductory video is presented in this level before people can view the collection.The Mercado Central also the Central Market in Costa Rica is another destination where tourists go strolling about to purchase the exotic spices, fruits, vegetables and even t-shirts. There’s also a bakery and even wood and leather handicraft sold in stalls. This market consists of three blocks and is located near a train station.Most tourists check out travel agencies in Costa Rica to get the best travel packages only to visit San Jose. The best thing about this city is that most of the tourist destinations are really accessible. Many realized it’s best to explore the city on foot. But if travelers decide to travel around outside the city they can opt to go visit the Monterverde National Park considered the most visited national park in the country.An overseas travel adventure to the Monteverde National Park is only 3 to 4 hours from the capital by car; however, air travel is offered through Sansa Airlines which only takes 20 minutes. It contains the most beautiful beaches and coral reefs coupled with a superb combination of lush rain forests. The rain forest houses a diverse collection of species including monkeys, iguanas, sloths, squirrels and crabs.

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.