With computers getting increasingly more powerful and more accessible to wider home markets than ever before, software publishers have started putting the power of professional desktop software solutions once the exclusive domain of industrial users into homebound applications and marketed accordingly.In the area of 3D rendering and drawing focused on home designs, you have professional home design software that are both powerful and user-friendly enough to be used by homeowners. About the only distinguishing quality is the price and networking ability to share common files that corporate users demand. Then there’s the after sales technical support that is more responsive for corporate professional software editions. Otherwise, there’s really little to distinguish between the two, except AutoCAD.AutoCAD: The Standard Home Design Software for ProfessionalsIt can be an uphill battle overcoming a standard that has long dominated industries for the last 25 years. The AutoCAD 2D drawing and 3D rending tool has lorded it over industries ranging from toy makers all the way to space shuttle builders and remains supreme as the design tool of choice among professionals.Just about all commercial products have been designed from it. It is not specially optimized for home design, but it has all the features and functions that home design software application products have, from simple 2D floor plans to sophisticated 3D models with simulated light and shadow interplay as well as walk-through animation.There are a lot of commercial copycats to the AutoCAD software from Autodesk, all wanting a piece of the industrial and professional market with some pricing themselves low and successfully getting some market share. Admittedly, AutoCad is not for everyone, as it is quite expensive, costing $3,500 for a single user license. But it’s comforting to note that professional and amateur home design solutions are CAD based, borrowing many of the 2D and 3D drawing features from AutoCAD.Chief ArchitectSpecifically designed and marketed to residential and commercial designers and architects, Chief Architect home design solutions come from a company bearing the same name that has been in the home designing business since the early 90s. Chief Architect Pro is the professional architect and builder’s choice application. It is essentially a suite of drawing tools that encompass all aspect of home building designs such as house architectural designing, remodeling, interior design, garden design and landscaping, deck and patio design and floor planning, all in 3D and realistic light and shadow application and animated walk-throughs.Chief Architect Home Designer ProIn addition to Chief Architect, the brand has formed a business partnership with Better Homes and Gardens to carry the next generation Home Designer software products under the Chief Architect name. Hence, after Better Homes and Garden Home Designer 8.0, the 9th iteration is marketed as Chief Architect Home Designer Pro 9.0 with sub-derivatives for the home markets.Targeted to both novice and professionals, corporate and home markets, the Chief Architect Home Designer Pro 9.0 can be considered your-upscale top-of-the line home design solution costing about $400 in the open market. It is a derivative of the Chief Architect Pro. Chief Architect also markets Interior Designer Pro 9.0 which is taken from the same suite, with a more detailed focus on, as the name implies, interior designing.
Professional Home Design Software
The #1 Reason Your Best Business Financing Choice Could Be Asset Based Lending
There is one overriding reason why asset based lending could be your best choice for business financing in Canada. What is that reason? Simply that it works when other types of financing are not available or don’t fit your current financial status.The reality is that asset based lending works for all firms in all types of industries, and is not dependent on your overall financial performance that might be the focus of a more traditional based financing. That’s a powerful statement, so let’s examine what the financing is, how it works, and answer some key questions that might help business owners and financial managers determine if this financing is the solution to many, or all of their financing challenges.So let’s back step a bit. What is asset based financing. Focus on one key word in that phrase – assets! This method of financing simply allows you to monetize and draw on the market value of the assets of your firm. Those assets are in very predictable categories, they are receivables, inventory, equipment and real estate. If you have one or all of those your firm is a prime candidate!In some cases this method of financing is confused with factoring. Factoring is the sale of one of those asset categories – your receivables. An asset based line of credit lends against receivables, but also includes, inventory, equipment, etc. That is the difference!The prime difference in qualifying for such a facility is really the difference that exists when you compare this type of financing to a Canadian chartered banking relationship. That banking relationship comes with a number of requirements that are often not needed when an asset based line of credit is in fact your real and best solution. Some of those traditional requirements might be profitability, years in business, the type of industry you are in, guarantees of shareholders and owners, etc. Those qualifications are not the focus of asset based lending. However the assets are.On a day to day basis how does this type of business financing work. It’s quite simply. You and your asset based lender determine on a regular basis, i.e. weekly, monthly, etc what your asset categories total – a borrowing based is then developed on those categories and funds are depositing into your bank account for use as working capital by your firm. In Canada a 250k facility is more or less the bottom level of this type of financing, and facilities can be arranged into the many millions of dollars.So if you want an easy way to remember the difference between this type of financing and a bank revolving line of credit simply remember that the bank focuses on overall financial strength and cash flow, our facility focuses on assets!Because your assets are being financing as the primary focus of this type of facility you will have to report on those assets probably on a much more regular basis, so your firm should be in a position to prepare regular reports on receivables, inventory turnover, etc. When fixed assets are being financing, i.e. unencumbered equipment you own, etc then in many cases an initial appraisal will be required. This small dollar investment though can generate thousands or hundreds of thousands of dollars in working capital.For “asset rich” companies, an asset-based loan may make more funds available because it is not based strictly on the anticipated levels of cash flow. Additionally, the structure often requires fewer covenants, providing more flexibility for many borrowers.So why is this then in many ways the best method of financing your business? Does it actually add cash to your firm? That is where some confusion comes in, but simply think of it as no adding new cash per se to your firm, it simply accelerates or quickens the cash flow that is traveling through your business. By financing your receivables and inventories to the maximum possible you turn over new sales and generate increased profits, and that’s what business financing is all about.You may not even have heard of asset based lines of credit, perhaps you have but didn’t understand how it works or how it compares with other types of business financing. Investigate how this facility can become potentially your best choice in the overall financing of your business. Speak to a trusted, credible and experienced advisor who can work you through the Canadian landscape of asset based lines of credit.
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