embedded finance

Working to facilitate and record monetary funds for a business, bank, or an individual person is a career path that can be entered through education. Online accounting and finance programs are available in several areas for students wanting to work with an organization’s finances.

Online colleges and universities offer training in every form, allowing students to not only pick their degree level but concentration area as well. Education in accounting and finance is available in areas that include:

Accounting Technology
Bookkeeping
Corporate Finance
Finance and Backing
Schooling opportunities prepare students to work with monetary funds in many ways. The career goal of students will ultimately determine what type of degree to earn. For example, completing a corporate finance degree is the best options for students that want to work with organizations on their financial plans. Degree programs at the undergraduate level train students to begin entry-level careers in accounting and finance. Students that are looking to enter graduate degree training can expect to study advanced material that will prepare them to enter managerial or executive positions within the work place.
Becoming a versatile member of the industry can be gained within an accounting technology degree program. Students gain analytical skills while learning to use the industry’s latest technology and accounting tools. Students learn the accounting process by working to understand how the mathematics of the industry is applied to financial management. Education gives students experience by requiring them to take courses on accounting info systems, taxation procedures, and more.

Another side of accounting and finance is bookkeeping. Students can complete an online degree program in bookkeeping to gain the knowledge to produce accurate and efficient financial statements. Students learn about accounting by working through business-oriented courses and money management. After a general foundation is gained students study tax depreciation, payroll, inventory, and entry adjustment.

Students that want to work specifically with organizations on their monetary activities can seek out education in a corporate finance degree. Investment banking, market directive, and cost analysis are subjects that train students to become financial reporters, fraud investigators, stockbrokers, and more. Online graduate degrees in corporate finance are taken as concentrations in finance programs. Other possible online degree programs can be pursued in finance and banking where students learn to work in financial institutions like credit unions and banks. Students can expect to learn about accounting principles, macroeconomics, and banking information systems inside a standard degree program.

Did we really even have to mention it, but a major CFO survey, just released, stated that ‘Cash flow is Top Concern Priority for 2011′. When has working capital financing and working capital funding in general ever been more important?

Let’s take a look at the Canadian situation and how you can solve some of those working capital challenges that were re iterated as concerns in the survey, which was done, by the way by TD. And by the way, putting ‘ surveys’ aside, we’ll offer some ‘ real world’ solutions to some of the issues highlighted in the bank survey!

Intensity? The survey actually used that word when Canadian business owners and financial managers described their necessary day to day attention to working capital management. As a business owner you have to look at your overall structure and ensure you can manage cash flow on a day to day basis.

The survey intimated that although you could cut costs to manage and conserve cash flow most Canadian business owners don’t feel that’s the optimal strategy, only 7% actually.

Access to working capital financing and working capital funding was a major concern by respondents. We are reminded of headlines that say things like ’90% of all jobs aren’t advertised”. Well, do you know what, when we sit down with clients we strongly feel that they often don’t understand that 90%of financing options aren’t generally known to Canadian business. Did you know there are hundreds of non – bank finance entities, all very unique in nature, that finance receivables, inventory, purchase orders (yes, purchase orders! tax credits (you can finance a tax credit? – YES you can!).

The survey indicated that technology is by far the top area of planned capital investment, and you should be aware there are a number of solid capital and operating lease solutions that provide you with total flexibility in acquiring, and more importantly, using technology.

Alternately the Canadian lease financing industry is back on its feet and numerous solutions for equipment acquisition via leases, loans, bridge loans, etc are available.

Want those real world alternative financing solutions we talked about – consider non bank asset based lines of credit or receivables discounting. Your cash flow is at risk if you aren’t properly managing your A/R and financing it in a manner that suits your firm’s business model and cash conversion cycle.

You could of course stop your life and spend a lot of time investigating these solutions but we strong recommend to clients that they simply seek a trusted, credible, and experienced business financing advisor to sour the working capital financing and working capital funding they need for short term liquidity and long term survival.