Understanding and Maximizing Bank Financing (Live Webinar - Multi Segment)
Overview
Banks and other lenders are a primary source of financing. However, there can be substantial frustration in understanding what lenders are looking for in order to advance the largest amount of funds at the lowest rates. In addition, lenders can also impose a variety of terms and conditions which can make managing the business more challenging.
This course provides insight into the mindset of lenders, what they are looking for, and the different types of debt financing. It goes into detail behind different types of bank loans and what bankers look for prior to advancing funds. It provides creative techniques in terms of what you can present to the lender in order to give the lender enough confidence so that they can provide you with the greatest amount of funds at the lowest rate possible.
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This course has offering(s) that take place over multiple segments:
|
Applicable for
Content
Part I:
- How banks work
- General bank lending practices
- Collateral and security
- Covenants – main types and rationale behind them
- Personal and corporate guarantees
- What happens when a loan goes bad?
- Creative use of trade credit
Part II:
- Short term needs
- Lines of credit
- Margining
- Seasonal requirements
- Bridge loans
- Long term needs
- Term loans
- Other needs
Part III:
- Asset-based financing (ABL)
- Subordinate or mezzanine debt
- Acquisition financing
- Vendor take-backs
- Other options when conventional lenders are not enough or when you need more financing
Course Dates & Registration
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KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University. KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University. KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University. KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University.Improving Your Virtual Learning Experience
Live webinars have varying levels of expected interaction, with some requiring microphone and camera capabilities to support a proper learning experience – please email pdreg@bccpa.ca if you have concerns.
In general, we encourage participants to have their cameras turned on to enhance their virtual learning experience. This practice promotes a stronger connection with the instructor and fellow participants, and fosters improved communication and collaboration.
Live Webinar FAQs can be found here.
Registration terms and conditions, including the cancellation policy can be found here. If you require further assistance, please contact the PD Department.
- 7
- CPD Hours
- 0
- Ethics Hours
- 0
- AML Hours
- 10
- Credits
Starting April 1, 2026, a 2.1% fee will be applied to all credit card transactions. Learn more about this fee and how it relates to PD registrations.
Understanding and Maximizing Bank Financing (Live Webinar - Multi Segment)
- 7
- CPD Hours
- 0
- Ethics Hours
- 0
- AML Hours
- 10
- Credits
Overview
Banks and other lenders are a primary source of financing. However, there can be substantial frustration in understanding what lenders are looking for in order to advance the largest amount of funds at the lowest rates. In addition, lenders can also impose a variety of terms and conditions which can make managing the business more challenging.
This course provides insight into the mindset of lenders, what they are looking for, and the different types of debt financing. It goes into detail behind different types of bank loans and what bankers look for prior to advancing funds. It provides creative techniques in terms of what you can present to the lender in order to give the lender enough confidence so that they can provide you with the greatest amount of funds at the lowest rate possible.
|
This course has offering(s) that take place over multiple segments:
|
Applicable for
Content
Part I:
- How banks work
- General bank lending practices
- Collateral and security
- Covenants – main types and rationale behind them
- Personal and corporate guarantees
- What happens when a loan goes bad?
- Creative use of trade credit
Part II:
- Short term needs
- Lines of credit
- Margining
- Seasonal requirements
- Bridge loans
- Long term needs
- Term loans
- Other needs
Part III:
- Asset-based financing (ABL)
- Subordinate or mezzanine debt
- Acquisition financing
- Vendor take-backs
- Other options when conventional lenders are not enough or when you need more financing
Course Dates & Registration
KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University. KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University. KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University. KARINE BENZACAR, MBA, FCPA, FCMA, CPA (US), CFA is a seasoned industry professional with over 20 years of industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at Royal Bank of Canada, Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, trained thousands of professionals from a wide variety of industries, and has taught graduate financial courses at University of Toronto and Queens University.Improving Your Virtual Learning Experience
Live webinars have varying levels of expected interaction, with some requiring microphone and camera capabilities to support a proper learning experience – please email pdreg@bccpa.ca if you have concerns.
In general, we encourage participants to have their cameras turned on to enhance their virtual learning experience. This practice promotes a stronger connection with the instructor and fellow participants, and fosters improved communication and collaboration.
Live Webinar FAQs can be found here.
Registration terms and conditions, including the cancellation policy can be found here. If you require further assistance, please contact the PD Department.
Starting April 1, 2026, a 2.1% fee will be applied to all credit card transactions. Learn more about this fee and how it relates to PD registrations.