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Are you experiencing cash flow problems? Are you finding it difficult to get lenders to finance your company? Is your company’s rapid growth straining your ability to manage that growth properly?

If the answer is yes to one or more of these questions, your company probably needs more comprehensive and structured financial planning. These problems – and others like them - are typical signs that you could benefit from the professional financial management advice offered by Canova Bancorp.

Canova Bancorp professionals have worked with many small and medium-sized entrepreneurs to help get their companies in better financial shape. Our assistance has included creating the most effective financing solutions, finding the right financer or other capital provider, or simply streamlining the financial part of businesses.

Entrepreneurs shouldn't be afraid of using outside sources with the expertise to help them. It's very common for good companies to have great products or services, a terrific understanding or markets and selling, and skilled, dedicated employees, but limited knowledge of financing and how to make it help achieve corporate goals.

Entrepreneurs who are reluctant, or have limited resources, to invest money in solving financial problems, see very positive short-term and long-term benefits with relatively low costs for the professional expertise that Canova Bancorp provides.

Results normally become evident within 3 to 6 months, and once a company is able to put sound financial management practices in place, long-term benefits accrue because these practices become an integral part of the business process.

The first step that our professionals take is to conduct a thorough, in-depth analysis of how a company does business. We examine every facet of an operation by working very closely with the owner or financial manager in the company.

We prepare a detailed analysis of financial resources and financing means, profitability of products and services, time management, and other critical components of the overall business.

We interview key management and operational people to get a full understanding of various aspects of day-to-day business, and we also gain as much outside perspective of the company as possible so that we know how its products and services are viewed in the market.

Once we conclude this diagnostic process, we prepare an business analysis that focuses on the financial challenges facing the company, the strengths and weaknesses, and how any shortcomings can best be overcome.

This analysis is not simply theoretical. It contains direct first-hand advice about increasing sales and profitability, improving balance sheets, and gaining financial strength. We then provide guidance in the preparation of comprehensive, meaningful and accurate financial forecasting.

The next step is providing guidance and assistance in putting together the company’s financing needs so that the operational goals can be met. A company can never underemphasize the need for proper capitalization – by way of debt and/or equity – in helping it meet its objectives.

Even if entrepreneurs may think they can solve their own financing problems without help, the process by usually be accelerated by relying on the type of in-depth financial expertise that Canova Bancorp provides.

We know the financing world extremely well and we have ready access to a multitude of conventional and specialty lenders, a wide base of equity investors, and strong knowledge about specific government programs to help finance a company or gain specific operational expertise.

There are many financing tools and opportunities that companies and entrepreneurs are simply are aware of and Canova Bancorp can help companies save time, energy and cost in accessing them.

Canova Bancorp professionals also have specific competencies to offer companies, such as strong negotiating skills and project management capabilities.

We can help you negotiate the best financing solutions. We understand the intricate details of financing packages and can determine how those details will affect a company. We understand the need for solid, continuous project performance and can help a project stay on time and within budget.

In summary, Canova Bancorp can offer the expertise and resources to help any small or medium-sized company achieve its goals. We like our clients to have a vision about “where they want to go” – we will provide the professional assistance to solve the problem of “how have they are going to get there’