AVI Business Solutions

  For many small and medium-sized businesses, borrowing happens under pressure. Cash runs short, payroll is due, an unexpected, significant expense arises, and the solution becomes an emergency loan taken on whatever terms are available. While this approach may solve an immediate problem, it often creates long-term financial strain. A more disciplined, resilient strategy is to use lines of credit proactively rather than reactively. When structured and managed correctly, a business line of credit acts as a financial shock absorber, helping owners smooth cash flow, respond to opportunities, and avoid the long-term financial strain caused by emergency loans. The Problem With Emergency Loans Emergency loans are typically taken when a business has limited leverage. Revenue may be uneven, bank balances are low, and timing is critical. As a result, emergency financing often comes with: Higher interest rates Shorter repayment terms Rigid payment schedules Limited flexibility once funds ar...

By Cameron Nyack, ( CameronNyack.com ) Cash flow isn't just another metric—it's the lifeblood of your business. While growth gets attention, liquidity keeps your company agile and prepared for both setbacks and opportunities. Savvy entrepreneurs manage cash flow strategically, leveraging resources such as a revolving line of credit to turn challenges into sustainable growth. In the fast-paced world of entrepreneurship, it's easy to get swept up in the thrill of generating revenue and scaling operations. But here's a sobering truth: even the most innovative ideas and booming sales figures can crumble if your business runs out of breath. That breath? It's cash flow—the steady rhythm of money moving in and out that keeps your enterprise alive. When it falters, it doesn't just slow you down; it can halt everything from payroll to supplier payments, pushing even established ventures toward the brink. Yet with the right financial strategies, such as a flexible line of...

  Small and Medium Enterprises (SMEs) face significant challenges in today's unpredictable economic landscape. Tariffs, which are intended to protect domestic industries and address trade imbalances, can create mixed outcomes. While they may shield local markets, tariffs also increase the cost of goods, disrupt supply chains, and strain cash flow, particularly for SMEs. As tariffs hinder economic growth, it becomes crucial for SMEs to enhance their financial resilience to remain competitive. A Line of Credit (LOC) can be an effective tool for achieving this resilience. Offering flexibility, accessibility, and strategic financial support, an LOC can be transformative for SMEs grappling with the economic turbulence caused by tariffs. This article explores how an LOC can strengthen SMEs' balance sheets and facilitate Just-in-Time Funding to help them navigate the challenges of tariffs. The Economic Impact of Tariffs on SMEs Tariffs are taxes imposed on imported goods and have a ...