Month: August 2023

Fall Home Maintenance Reminders

September is just around the corner, and that means Fall is on its way…bringing cooler temperatures and brightly colored leaves with it! We think this is the best time to not only review your fall home maintenance list, but to request a free, no-obligation project estimate from your friends at Handyman Connection!

Fall Home Maintenance Reminders

  1. Clean leaves from gutters and downspouts.
  2. Make exterior repairs.
  3. Seal gaps where cold air (or pests) can enter.
  4. Shut off/drain exterior faucets and hoses.
  5. Install/replace weatherstripping on doors and windows.
  6. Check indoor safety detectors and replace batteries.
  7. Inspect caulking around windows, doors and entry points for electrical, cable, phone and gas. Replace if needed.
  8. Inspect and repair damaged driveways, walkways and/or steps.

Count on Handyman Connection for all of your general home maintenance needs. From window replacement and blinds installation to cleaning the gutters on your roof…heck, we’ll even hang your holiday decorations! We strive to be the trusted source you call when you need a professional handyman. All work is performed by experienced craftsmen who walk you through the process every step of the way for a simple and seamless experience. Our goal is your complete satisfaction.

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September Home Organization Project: The Master Closet

Do you need to whip your master closet into shape? Walk-in closets tend to get quickly overrun with piles of clothing and shoes, but we can help you get things organized so you no longer have to hunt for your favorite pieces. Here’s how.

  • Purchase closet organizers. Closet organizing systems range from custom shelving installations to budget-friendly organization hacks. Focus on what will make the storage space in the closet more accessible to you within your budget. Be sure to measure your closet carefully before buying a new storage item.
  • Empty your closet. That’s right, take everything out, including shoes and accessories. Wipe down the shelving, vacuum carpet, sweep flooring, and dust baskets and bins. This gives you a fresh perspective on the space you have to work with.
  • Sort clothing and other items. This is the time to get rid of clothing you don’t wear. If it’s an item you love and wear regularly, put it back in the closet. If it no longer fits or you haven’t worn it in the last year, remove it. Evaluate each cast-off item, deciding whether it will be sold, donated or trashed.
  • Organize clothing, shoes and accessories. Group like items with like (belts, dresses, blouses, work pants, jeans, etc.) and decide the best place to store each group within the closet. Make sure the clothing you wear most is easily accessible at the front. Within each group, organize clothes by color to make it faster and easier to coordinate outfits.
  • Maintain closet organization. Occasionally complete a review of your closet to maintain it, reorganizing by group and color and rotating seasonal items.

Design Your Dream Closet With a Handyman

From custom carpentry to prefabricated shelving systems, Handyman Connection is your resource for organization systems for your master closet or anywhere in the house! Our experienced craftsmen will listen to your needs, walk you through the design process and complete the workmanship to your satisfaction.

The post September Home Organization Project: The Master Closet appeared first on Handyman Corporate.

Choosing the Right Exterior Door for Your Home

One of the first things guests and people passing by notice about your home is the exterior entry door. A high-quality door can greatly contribute to the curb appeal of your home, as well as provide the strength and security necessary to protect your home and family. There are countless styles to choose from within the three main categories of entry doors: steel, wood and fiberglass.

Steel

Steel entry doors are the ideal choice if you’re looking for strength and durability. Comprised of a wood or steel frame filled with high-density foam insulation, steel doors are covered with a steel skin (usually 24-gauge, though the skin can be thicker on higher-end doors). Standard doors are coated with a baked-on polyester finish, while more expensive doors often have a vinyl coating for superior weather resistance. The downside to steel doors is that they have to be painted periodically, and they are less energy-efficient than wood or fiberglass doors because they conduct outside heat and cold to the inside.

Wood

Many people who choose their entry door based on its aesthetic value still go for the beauty of wood. Wooden entry doors can be built from a wide variety of woods, including walnut, cherry, oak, maple and pine. Wood does tend to expand and contract a lot, which can lead to warping, so wood doors should have some sort of protection from the sun and rain, such as a porch or even an overhang. Otherwise, the maintenance required to keep them in shape will be extensive. Some companies make stock wood doors that have a core of engineered wood and a thin wood veneer over the top of it, which helps reduce the shrinking and swelling that leads to warping. To avoid being easily damaged, the veneer on these doors should be at least 1/16-inch thick.

Fiberglass

Beneath the outer surface of a fiberglass composite entry door is a wooden frame filled with polyurethane foam insulation. Fiberglass is an excellent option for an entry door because it combines the strength of steel with the beauty of wood. With wood-grain texturing that can be stained to match a variety of different woods, you can enjoy having an entry door that looks and feels like wood, but has the strength of steel and the low-maintenance features of fiberglass. Another bonus is that fiberglass composite entry door systems have excellent warranties when installed by a professional, which are typically longer than those of wood or steel doors.

Need a Door Expert?

If you’re not experienced with door installation, it’s best to leave the job to a handyman carpenter with the experience to make sure your door is installed straight and true for maximum energy efficiency. A quick call to Handyman Connection at 1-800-88-HANDY is all it takes to set up a consultation.

The post Choosing the Right Exterior Door for Your Home appeared first on Handyman Corporate.

Canada’s 6 Best Window Brands

Did you know that windows alone are responsible for 25% to 30% of your home’s heating and cooling energy bills? Upgrading to energy-efficient windows and keeping them well-maintained will help save more long-term and cut down those monthly bills.

Finding the right window company and manufacturer is important. Different types of windows, materials, and certifications will affect how efficient and long-lasting your new windows are. Once you choose a company and product and start browsing windows, you’ll see many options and styles from which to choose.

To help make the process easier, read this guide for the five best window brands for your home. This guide will also breakdown some specific tips and factors to consider with a new window:

Four key considerations

Choosing the right window brand can be broken down into four key factors: frame, glass, design, and installation. Knowing what to look for in each of these areas will make the final purchase a much easier decision.

The frame

Window frames are more than just a visually aesthetic factor; they affect how well the window stops energy transfer. Wood is a traditional choice since it’s a natural insulator, but there are other materials to consider that can offer better thermal performance.

Vinyl: As far as budgets go, vinyl is a long-standing popular choice among homeowners. Advancements in manufacturing make some vinyl windows top of the line for best windows insulation and efficiency. It offers excellent energy efficiency and tightly seals to prevent any leaks. The colours are limited, though, which may or may not be an important factor depending on what you want.

Wood: Well-kept wood frames can last for many years before ever needing to be replaced. Still, wood does come with a much higher maintenance demand than other materials. If you don’t maintain your wood frames they could diminish in efficiency and function. That will mean extra costs over the years, which is something to consider.

Aluminum: If you live in coastal areas or where rain and humidity are typical climates, aluminum is the go-to choice. It doesn’t rust from salty weather and won’t swell like wood, making it a robust choice. Aluminum frames are also easy to customize, so it’s a great choice all around.

Fibreglass: These frames blend glass fibres and polyester resin, which gives them great benefits across multiple factors. The frame is robust, extremely energy efficient, highly durable, and easily customizable. The only downside is that they are much more expensive than other materials, but the long-term benefits do pay off.

The glass

Glass is the next thing to consider and comes down to two choices. Double-pane windows are the current standard across homes and make a big difference in monthly bills. The panes are sealed with argon gas that keeps heat or cold air in and boosts overall efficiency. They also protect against harmful UV rays, which can wreak havoc on flooring and furniture.

Triple-pane windows Canada adds an extra layer of glass, boosting the overall efficiency and save even more than a double-pane window. Choosing an ENERGY STAR-certified window, identifiable by the stickers, is the easiest way to choose a window. It ensures the highest ratings and quality for guaranteed savings. Both U-Value, window’s resistance to heat loss, and solar heat gain coefficient, how much heat enters, are better the lower the number. With an ENERGY STAR window, those low number savings are a standard.

The design

Window design comes down to visual aesthetics and also home security. Some windows are more secure against intruders, while others just look better and fit specific home architectures. The most popular styles include double-hung, casement, awning, slider, and bay or bow windows.

Double-hung: This window has two frame units of glass that slide up and down to let air in. They are a very popular design across most houses and are a good price.

Casement: These use a crank handle to open the window at a horizontal angle, much like a door opening. Casement is especially great at catching breezes and directing fresh, cool air into your home. They are also quite secure against intruders.

Awning: Like casement windows, awning windows open with a crank but pivot upwards from the bottom instead. They are ideal when you want to open the window even if it’s raining or to install in basement rooms.

Slider: Just like its name, slider windows open on a sliding horizontal track. In some styles, only one side opens, but in others, both frames can be opened. These are more popular in older homes and are budget-friendly with a long, durable lifespan.

Bay or bow: Despite the designs looking similar, bay and bow windows are two different styles. Bay windows extend outside the house in varying angles and include three or more windows, although three are typical. Bow windows also extend outside and include up to six windows but curve in a gentle arc and not sharp angles.

Fixed and skylight windows are two other popular styles. Fixed windows are mostly for aesthetics as they don’t open, while skylights bring in light from above.

The installation

Windows are never a DIY job and should always be left to a professional. Between the work involved and the skill required, it’s always best to hire someone who has those years of skill and knowledge. A company can also handle the work in a few hours or a day, so you don’t have to leave your home open to the elements. Unlike DIY, a company ensures you have legal protection and a warranty on any work done. That way, if any repairs or damages come up in the future, the costs will be covered and won’t become an unplanned expense.

6  Top-rated windows in Canada

Now that you know the breakdown of what goes into a good window, it’s time to find the best window brands. Any of these five top-recommended brands are great options for your next window renovation.

1. Nordik Windows & Doors

For more than 40 years, Nordik Windows & Doors has provided outstanding customer service. They also commit to quality workmanship and high-quality products. As a result, they have become a leader in the window replacement industry in Toronto. Nordik Windows & Doors uses RevoCell® Windows to deliver the best window technology and energy efficiency.

This company also manufactures and installs its windows. In addition, they offer no omissions and no fine print warranties on all their window installations. They can provide many styles of high-performance windows. Moreover, their ENERGY STAR Certified windows will help you save money and decrease energy usage.

Key Services 

– Window and door replacements
– Certified energy-efficient products
– Canadian-manufactured windows
– 25-year fully transferable warranty
– Many styles and customization options
– Free consultation and quotes

Customer Feedback

Nordik Windows and Doors are the go-to people for all your home windows and sliding door needs. From the start getting a quotation from Racheal. She was one of the best customer service rep anyone could ask for. Gave me the rundown on the product itself and how it would benefit my home in the long run. She knew her stuff she didn’t read it from the brochure like all the other competitors I had called before. Prices were good and the install was great. Everything was done as promised. Thank you to the Nordik team for the excellent service and product. 5 out of 5 from me. I’ve added the before and after photos to show their outstanding work.

– Dave L, Google

2. Pella 350 Series

Best: Most energy efficient windows

The Pella 350 Series window brand is designed to be a top-of-the-line competition to other vinyl windows. It’s highly energy-efficient with an ENERGY STAR certification to prove it. The windows come in Low-E triple-pane glass, so there’s less heat loss and less cold air sneaking in. It also guarantees the windows will last for a long time, upwards of 15-30 years. The only maintenance it may need is the occasional cleaning.

As far as efficiency savings goes, this is a top-of-the-line choice. The windows can be further customized with different grill styles, extra security sensors, different designs, and a range of colours. Whether a replacement or an upgrade, these windows are guaranteed to add major value.

Cons: Depending on how many windows you are planning to replace or upgrade, the cost can creep up and become quite expensive. The same goes for how much customization you choose to add to the windows.

Material: vinyl

Style: single-hung, double-hung, casement, awning, sliding, bay/bow, fixed, and custom

ENERGY STAR: Yes

Colours: white/almond, tan, brown, Hartford green, morning sky gray, black, brick red

Cost: $-$$

3. Andersen 400 Series

Best: replacement windows

The Andersen 400 series windows are a great choice if you are looking to replace old, drafty windows with quality ones. The 400 series brand is vinyl-clad with a wood frame, so you benefit from natural wood insulation with vinyl’s durability. Thanks to the cladding, you won’t have to worry about wood damage, repainting, or high-maintenance hassle over its 20-year lifespan. Efficiency-wise, you get higher efficiency than just a wood window, so you save more long-term. Everything from the style of window, size, colour, and extra accessories can be customized to suit your home. Andersen’s brand best windows are also sustainable and green.

Cons: The air infiltration rating is <0.30, which is a poor rating compared to other brands. Without skilled and proper installation, that can lead to long-term issues and extra expenses.

Material: pine wood 

Style: double-hung, awning, casement, gliding, picture, bay/bow, custom

ENERGY STAR: Yes

Colours: interior includes white, black, dark bronze; exterior includes white, sandstone, canvas, dark bronze, and black

Cost: $$

4. Marvin Signature Series

Best: two-in-one and window customization

If you are looking for the best of two materials in a windows Canada brand, the Marvin Signature Series is the way to go. This window brand uses a wood interior with exterior aluminum cladding for twice the protection and efficiency. On top of that, it’s the most customizable brand range for any design, type of wood, accessories, colours, and more. If aluminum isn’t what you want, there’s also the option to use fibreglass instead. The wood quality is top of the line and carefully sourced to ensure just that.

In-house experts also monitor wood trends and grading to ensure that quality is never subpar. Thanks to the aluminum cladding, any weather from rain, snow, salty air, or heat won’t cause damage. All colours will last at least ten years, plus all windows come with a 20-year warranty for peace of mind with these top-rated windows in Canada.

Cons: The sheer range of customization and options can feel overwhelming if you don’t know what to look for. While a deterrent to some, speaking with a professional will help narrow down the perfect choice.

Material: aluminum clad exterior with wood interior 

Style: awning, casement, bay/bow/ double-hung, corners, gliders, picture

ENERGY STAR: Yes 

Colours: Wide range of colour options; wood options include mahogany, pine, and Douglas Fir

Cost: $$$

5. Milgard Ultra Series

Best: fibreglass performance windows

Fibreglass is a long-standing top contender when it comes to efficiency, cost, and durability. The material resists any swelling, rotting, or warping, so it’s a long-lasting option for even longer savings. The windows are also resistant to heat and cold, so there’s no risk of unwanted drafts or heat loss. The glass is further insulated, and the frames contract and expand with the glass to avoid excess strain on the frames. Once installed, you also get a lifetime warranty on the window, so there’s never any stress of future repair costs or problems. Aside from window customization, you can also customize the hardware for top-of-the-line materials or feature colours.

Cons: Milgard has various product lines, each with different benefits and features. Picking the right one can be hard, and the cost tends to vary towards high-end prices depending on the brand line.

Material: fibreglass

Style: single-hung, slider, casement, awning, picture, bay/bow

ENERGY STAR: Yes

Colours: black bean, bark, harmony, white  

Cost: $-$$

6. Jeld-Wen Builders V-2500 

Best: affordability windows Canada

Window replacements aren’t always cheap, especially if you want to invest in long-lasting, quality replacements. Jeld-Wen Builders V-2500 brand series is known to be a low-cost but high-quality vinyl window brand. The Builders V-2500 series is built to be low-maintenance by design, so there’s little extra cost to budget into future upkeep. The vinyl material ensures that the windows won’t fade, chip, or peel over their lifespan. The frames are also built to be sleek and narrow for a modern, streamline design. Despite being low-cost, there is still a range of styles and aesthetic accessories to add on. The windows are installed with a limited lifespan warranty and will last upwards of 20 years.

Cons: These windows are standard, budget-friendly options, so there are fewer colours and design customization options than other brands.

Material: vinyl or wood 

Style: double-hung, single-hung, sliding, picture, bay/bow, custom

ENERGY STAR: Yes

Colours: interior includes white, desert sand, and almond; exterior includes chestnut bronze, dark chocolate, almond, white, and desert sand

Cost: $

What else to look for

Now that you are familiar with the different types of best windows brands, designs, colours, and options, there are a few final factors. With window brands, it’s important to find the right manufacturer/company, warranties, and trusty reviews.  

Manufacturer and installer: Windows are manufactured by a certain company, but then they are also sold and distributed across many other sellers. As with any renovation process, finding a qualified company with the right window brand goes hand-in-hand. A company with a solid reputation, skilled professionals, and the right warranties and insurance will ensure a quality installation. Likewise, the right manufacturer behind the window brand will ensure the materials and design going into the windows are top-notch. The brands listed above are all trusted and quality choices, so you can choose any one that suits your needs.

Warranties: Top-rated windows in Canada warranties give you peace of mind and insurance should the worst ever happen, and the window fails. Quality warranties will help cover defections, the cost to remove and replace, or any repairs. Just because a brand says it has a warranty, though, don’t stop there. Always check to make sure that the warranty offers all the protection you want for your windows.

Trusty reviews: Take the time to see what past customers of the window brands have to say about the window. It’s the best way to find any flaws, deficiencies, or just above quality features. You can find which type is the most efficient, looks the best, or just suits your budget the most. In addition to reading any information on the manufacturer or company website, customer reviews give you first-hand and honest accounts.

Find RenovationFind certified Window Companies now!

RenovationFind Certified is a symbol of integrity held by only the most trustworthy companies in home improvement, service, maintenance. 

This post first appeared on https://blog.renovationfind.com

Canada’s 10 Best Small Business Loans

This may be your first time taking out a small business loan, or perhaps you’ve done it before. Regardless of your experience, you want to have a handle on the best business loan rates in Canada. As a result, you can compare the pros and cons and choose the best lender for you and your business. Below we’ve put together a list of competitive lenders. Use this to research your options. Then you can select a lender with the lowest rates and the least amount of drawbacks.

Read through this list below to compare the best small business loans (Canada) for free!

1. Merchant Growth

*Rates starting at 12.99% – Learn More!

Merchant Growth is an online lender that provides loans to various small business ventures. For example, restaurants, retail, salons and spas, e-commerce, automotive and more! On top of helping a range of industries, Merchant Growth offers a variety of loan products. From merchant cash advances to fixed loans and everything in between, you can find a loan matching your business needs. This lender also offers flexible financing repayment plans as well as e-commerce financing.

Key features: 

– Loan amounts up to $500,000
– Simple online application process
– Quick qualifying decision and access to funds within 24 hours
– Variety of loan types
– No collateral required
– No minimum credit score is required

Drawbacks to consider: 

You need at least $10,000 in monthly sales to take out a loan with Merchant Growth. Home-based businesses do not qualify. Your business must have a physical location, including at least six months left on a lease. Furthermore, start-ups will not qualify for small business loans. Canada-based borrowers must have a business that is more than six months old.

2. Loans Canada

*Rates starting at 6.60% – Learn More!

With Loans Canada, you can compare lenders under one easy online application process. First, fill out some information about your business. Next, add in some personal information, and you can get started! When you use the Loans Canada comparison platform, you can pick the best small business loans for you. You can apply for up to $500,000 in financing with one single application.

Key features: 

– Many loan types, from instalment loans to lines of credit and more!
– Quick online application process completed in minutes
– Up to $500,000 in financing on a single loan application
– Receive quotes from multiple lenders
– Canada Loans is a free service to use without incurring fees

Drawbacks to consider: 

When using Loans Canada, you’ll only receive quotes from their affiliated providers. In other words, you can only choose lenders that partner with them. This company has no physical location. Therefore, you won’t receive any in-person customer service for your small business. Loans Canada does not provide online quotes. You must speak with lenders on the phone to be considered for loan offers.

3. OnDeck

*Rates starting at 8.00% – Learn More!

OnDeck offers a wide selection of different loan options. Also, these loan options all offer different terms and repayment schedules, so you can find small business loans that suit your needs best. Traditional business loans, lines of credit and merchant cash advances are just a few of OnDeck’s products. They are one of the fastest lenders, providing access to funds in 24 hours or less. Competitive rates are based on your credit score and your business revenue.

Key features: 

– Fast distribution of funds, with approval and funds access in 24 hours
– Loan amounts up to $300,000
– No collateral required
– Simple online application process, completed in minutes
– Many loan options, with flexible and fixed repayment plans
– Merchant cash advances and lines of credit

Drawbacks to consider: 

OnDeck requires their businesses to bring in a minimum of $100,000 monthly. Many clients are expected to earn more. Plus, there are credit score requirements which start at 600. This credit score stands even if your business earns significant revenue. OnDeck does not offer small business loans to start-ups. To apply for their best small business loans, your company will need to have been in operation for at least six months.

4. Lending Loop

*Rates starting at 4.96% – Learn More!

Lending Loop is different than other best small business loans in Canada. This is because it’s a regulated peer-to-peer lending platform. This means that when you apply for a small business loan, you will receive offers from anonymous investors interested in financing your loan. As a result, the online application process is quick and easy. Once this is complete and you accept your loan offer, investors begin to fund your loan on Lending Loop’s marketplace. Your loan gets transferred to your bank account once it receives complete funding.

Key features: 

– Funds from anonymous investors ready to finance your business
– Cash advances ranging from $1,000 to $500,000
– Smooth online application process completed in minutes
– Low-interest rates beginning at 4.96%
– Flexible repayment options

Drawbacks to consider: 

Unlike other small business loans in Canada, Lending Loop does not list its fees and charges online. In addition, your business must earn at least $100,000 in revenue annually to apply. Also, if you’re looking for customer support, this company provides very limited assistance.

5. SharpShooter Funding

*Rates starting at 6.33% – Learn More!

Sharpshooter is an excellent option for young companies because it offers loans to applicants who have been in business for less than six months. Alternatively, Sharpshooter requires businesses to have been in operation for at least one hundred days before applying and puts its focus on your monthly income. Your business must earn at least $9,666 monthly to apply for one of their small business loans. Canada borrowers can choose from a selection of different loans with Sharpshooter. These include traditional business loans as well as merchant cash advances.

Key features: 

– Loan approvals within 24 hours
– Funds deposited in less than 3 days
– No collateral required
– Flexible repayment plans with terms of up to two years
– Competitive interest rates starting at 6.33%
– Accepts a minimum credit score of 416

Drawbacks to consider: 

Sharpshooter small business loans come with high administration fees. These fees are based on credit score and history, business type and annual earnings. Also, Sharpshooter’s interest rates on its longer terms are high. Your company must have been in business for at least twelve months to qualify for long-term business loans.

6. CIBC

*Rates N/A – Learn More!

CIBC offers small business loans to borrowers who can meet their criteria. For example, you must have experience in your business’s industry and be able to provide a detailed business plan. You’ll also need to show a high credit score and have personal collateral to connect to your loan. On top of this, you must also be able to show that your business continues to generate positive revenue and has for at least twelve months. As a result, it makes more sense for established companies to apply for a CIBC business loan; they may be the only businesses that qualify.

Key features: 

– Loan amounts starting at $10,000
– Many borrowing options, including lines of credit
– Flexible options, secured and unsecured, as well as fixed or variable rates
– Amortization periods of up to 15 years

Drawbacks to consider: 

With CIBC, you can’t apply for a business loan online. Instead, you must visit a branch to begin the application process for their best small business loans. Also, you can’t take out a loan for less than $10,000.  Additionally, CIBC doesn’t list their interest rates online. This is another reason you’ll have to visit a CIBC branch to see what rate you qualify for.

7. Shopify

*Rates N/A – Learn More!

For businesses already using Shopify as their storefront and point of sale, Shopify’s Merchant Cash Advance loans could be a great option. Shopify doesn’t offer traditional business loans with inflexible terms. Alternatively, you repay your cash advance with a percentage of your daily sales. As a result, your repayments fluctuate as they depend on your sales for that day. This can be really helpful as your revenue fluctuates from month to month. If you need to keep your cash flow open for operational purposes, this repayment method will also help support your business.

Key features: 

– Shopify offers cash advance amounts up to $2,000,000
– They don’t require a credit check. Instead, they review your business’s earnings and sales before offering funds
– No collateral required
– Pre-qualification for Shopify businesses with different options for merchant cash advances
– Repayment is based on a percentage of daily sales
– No set deadlines for when loans need to be paid in entirety
– Early repayment options for businesses that repay 25% of their cash advance

Drawbacks to consider: 

While repayment plans that fluctuate with sales are great, Shopify’s merchant cash advances won’t help your business build a credit history. Plus, there is a daily remittance that Shopify automatically deducts from your sales until your cash advance, and fees are paid. Shopify also doesn’t list its range of fees. You will pay a charge for your cash advance, and this fee is added to the total amount your business will need to repay. Most importantly, these are only one of the best small business loans for Shopify users. This is because you must be a Shopify user to see your merchant cash advance offers and receive a cash advance.

8. Scotiabank

*Rates N/A – Learn More!

Scotiabank offers some of the best business loans to borrowers purchasing real estate or business equipment. This is because their loans are installment based. This means you can use a Scotiabank loan to purchase fixed assets. Also, you can use your loan to finance future purchases or assets you may buy within six months of your loan application date. Borrowers can also qualify for Scotiabank small business loan protection. This is a form of insurance that will protect your loan payments. In addition, something to note is that Scotiabank business loans can be backed by Scotiabank or the Canadian government. This will depend on what type of financing you require.

Key features: 

– Unlike other big banks, you can apply for a Scotiabank loan online
– Repayment terms of up to 10 years
– Varied financing options, including lines of credit and overdraft protection
– Loan amounts of up to $1,000,000
– Custom loans with fixed and variable interest rates

Drawbacks to consider:

With Scotiabank, your loan is secured by the asset you purchase. As a result, you’ll be required to forfeit your asset if you can’t repay the loan. Scotiabank also doesn’t list interest rates online, so you must visit a branch to find out what your qualifying interest rate will be. In addition, you will not qualify for a loan if you have bad credit. That is unless you can find a guarantor to co-sign or secure your loan with a personal asset. Finally, Scotiabank’s business loans only apply to fixed assets. As a result, you can’t use a Scotiabank loan to supplement cash flow or consolidate business debts.

9. Canada Small Business Financing Program (CSBFP)

*Rates N/A – Learn More!

The Canada Small Business Financing Program (CSBFP) is known as one of the country’s best small business loans. This is because loans are backed by the Canadian government. So, you will never get funding you couldn’t qualify for on your own. Plus, CSBFP’s interest rates are highly competitive. You will be eligible if you are a small business or start-up operating for profit in Canada. You just need a gross annual revenue of $10 million or less. Loan funds can also be used for a variety of different purposes. For example, buying new equipment, paying for renovations for a leased property, buying or improving land and more!

Key features: 

– Varied and fixed interest rates
– For a variable rate, the maximum is the lender’s prime + 3%
– No fixed rate; the maximum is the lender’s single-family residential mortgage rate plus 3%
– Loans come with a government-backed guarantee, with some of the best interest rates in Canada
– Funds used to purchase assets
– Loans of up to $1,000,000

Drawbacks to consider:

CSBFP loans can’t be used for day-to-day operations, such as buying inventory, payroll and other daily expenses. With a CSBFP loan, you will also be charged a registration fee of 2%. On top of this, the lender may also charge any fees they would usually charge for a conventional loan of the same amount.

10. HSBC 

*Rates N/A – Learn More!

HSBC small business loans work with a fixed repayment schedule. Furthermore, you’ll need to choose between a fixed or variable interest rate on your loan. If you don’t have collateral or don’t want to put any down, you can take out an HSBC loan for up to $250,000. For larger loans, it’s possible to qualify for up to $1.25 million. This is only for loans that go towards purchasing owner-occupied commercial property. To qualify for an HSBC business loan, your business can’t generate more than $5 million annually.

Key features: 

– Easy online application process
– Swift qualification decision
– Fixed as well as variable interest rates
– Provides funds of up to $250,000 with no collateral
– Funds of up to $1.25 million on loans for owner-occupied commercial property

Drawbacks to consider: 

With HSBC, you’ll have set-up fees equal to a maximum of 1% of the small business loan. Canada borrowers will also need to have an HSBC chequing account to qualify.

Running a business in this economy (or perhaps any) comes with its own set of challenges. However, when you need a small business loan, having access to information on lenders and competitive interest rates makes it easier to find your best options.

RenovationFind is here to save you time with our curated list of comparable small business lenders. When you go through the options we provide above, it allows you to make comparisons between lending outlets. This way, you will feel more confident about your choices. Below we explain a little more about various types of small business loans in Canada work.

The most common small business lenders in Canada

First, a business with less than 100 employees is considered a small business in Canada. Small businesses make up the vast majority of Canada’s economy, and many entrepreneurs are seeking funding for their businesses. For the most part, small business lenders can be broken down into four categories:

Banks

Banks are perhaps the most well-known lenders for small business loans. This makes sense, considering banks also offer mortgages. If you have a history of borrowing, seeking funds from a bank is a likely choice. However, it can be challenging to get a bank loan. Banks require outstanding credit and often require personal assets as collateral. With bank loans, in most cases, you also can’t apply online, and the application process is lengthy.

Online direct lenders

Since banks come with much stricter lending eligibility, more and more small businesses are turning to online direct lenders. They offer some of the best small business loans in Canada. Moreover, their application process is easy and quick, and they don’t all require high credit scores and collateral.

Online Lending Marketplaces

A lending marketplace is an online marketplace engine that matches you with lenders. With this method, you fill out an online application form. Then you’ll see a variety of loan options from different lenders. This will help you narrow your search to find the best choice for your business. However, a downside with this type of lender is that you only have access to lenders who partner with the online marketplace you’re using.

Peer-to-peer lending

While a lending marketplace connects you with online lenders, peer-to-peer lending matches you with online investors. When you apply for peer-to-peer lending, your loan funds will come from investors using the online lending platform. So if you are concerned, you won’t qualify for a traditional online or bank small business loan, a peer-to-peer lender may be one of the best small business loans for you.

Find the best small business loan for your business

It’s no question that researching and deciding on the best business loan for your company can be a challenging task. There’s a lot to consider. You’ll also need to understand what type of interest rate and repayment plan will work for your business model.

Before you apply, you’ll want to be well-versed in the various types of interest rates and lending models. For example, fixed and variable interest rates, as well as traditional business loans, merchant cash advances and lines of credit, just to name a few.

The RenovationFind list above will help you get a handle on some of this. If you have more questions, don’t hesitate to contact a trusted source, such as a business advisor. This way, you can learn the intricacies of small business loans. Canada banks and some online direct lenders employ business advisors who can help you.

This post first appeared on https://blog.renovationfind.com

Back-to-School Home Maintenance and Safety Tips: Handyman Connection’s Guide to a Safe and Secure Home

Use These Home Maintenance and Safety Tips to Get Your Home Ready for the School Year

As the summer comes to an end, families across the country are preparing for the back-to-school season. Amidst the excitement and preparations, it’s essential not to overlook the safety and security of our homes. Whether you have little ones returning to school or college students moving out for the first time, Handyman Connection is here to ensure your home is safe and secure. In this blog post, we’ll share some valuable home maintenance tips to help you create a safe environment for your family during this busy time.

1. Check Smoke Detectors and Carbon Monoxide Alarms

Your smoke detectors and carbon monoxide alarms are your first line of defense against potential hazards in your home. Before the school year starts, take the time to check that all detectors are functioning correctly. Replace the batteries if needed and test them to ensure they’re in good working order. Handyman Connection’s expert team can assist with installing new detectors or conducting a thorough inspection to ensure your home is protected.

2. Secure Doors and Windows

Properly securing doors and windows is essential to prevent unauthorized entry and ensure your family’s safety. Check all locks and make sure they are functioning correctly. Consider upgrading to smart locks or installing additional security measures for added peace of mind. Handyman Connection’s skilled professionals can help with lock installation and ensure your home’s entry points are secure and reliable.

3. Schedule Electrical Maintenance

Electrical issues can pose serious safety risks if left unaddressed. Before the back-to-school rush, consider scheduling electrical maintenance to inspect wiring, outlets, and electrical panels. Our experienced handymen can identify potential hazards and perform any necessary repairs or upgrades to keep your home’s electrical system in top condition.

4. Childproof Your Home

For families with young children, childproofing is crucial to create a safe environment. Install safety gates at stairways, secure heavy furniture to the walls, and use outlet covers to protect curious little hands. Handyman Connection can help you childproof your home and offer additional safety solutions tailored to your family’s needs.

5. Conduct a Home Inspection

Consider hiring a professional handyman from Handyman Connection to conduct a comprehensive home inspection. An expert eye can identify potential hazards or maintenance needs that may have been overlooked. A thorough inspection ensures that your home is safe, secure, and ready for the school year ahead.

As we gear up for the back-to-school season, prioritizing home safety and maintenance is of utmost importance. With Handyman Connection’s expert guidance and services, you can rest assured that your home is a safe and secure haven for your family. Take the necessary steps now to create a worry-free environment and start the school year off on the right foot.

Contact Handyman Connection Today

If you need any other ways to get your home ready for the school year, either call us or fill out an Estimate form to utilize our Handyman Services today!

The post Back-to-School Home Maintenance and Safety Tips: Handyman Connection’s Guide to a Safe and Secure Home appeared first on Handyman Corporate.

Foundation repairs: the pitfalls of injection

Cracks can form in the concrete of your building’s foundation. This is a big problem. Vertical cracks in concrete foundations are responsible for most cases of basement water seepage. Interior water damage often follows as a result, and cracks also shorten the life of the concrete.

Consequently, it’s vital to repair foundations if damage is detected, and there are several ways that you can repair cracked concrete. However, some are better than others. Injection, for example, has some severe disadvantages. JPAUL Construction explains.

What is injection repair for concrete building foundations?

The two most common injection techniques use epoxy or polyurethane. Either epoxy or polyurethane is injected into the concrete foundation to repair cracks. Epoxy injection uses two components: epoxy resin and hardener. Polyurethane involves a foam resin and an activator. There are significant problems with both methods when it comes to structural foundation repair in Calgary.

Disadvantages of epoxy injection

The main pitfall of epoxy injection is that it can only be used in cracks that are completely dry. Epoxy does not bond well with wet or damp concrete, and epoxy is ineffective at waterproofing leaking concrete. Furthermore, injecting epoxy into a leaking crack can cause new leaks because the water seepage creates channels through the epoxy.

In addition, epoxy is prone to cracking. Obviously, this makes it a poor choice to repair foundation cracks. If the foundation shifts or moves at all, any cracks that you fixed using epoxy are likely to reform.

Disadvantages of polyurethane injection

Polyurethane injection is unsuitable for many concrete repairs. It performs poorly in freeze-and-thaw areas and below the water table. Furthermore, it doesn’t work well with highly expansive soils. Only certified professionals can install polyurethane because it contains potentially harmful additives.

Additional disadvantages with injection repair

Polyurethane or epoxy injection is unreliable and often fails. However, even when bonding is successful, injection repair is not a permanent solution. Experts in concrete construction in Calgary understand that filling the crack is not enough. You also need to address the root cause of the issue, and this usually involves structurally reinforcing the foundation.

JPAUL Construction is an experienced foundation contractor in Calgary. They effectively repair foundation cracks, preventing water seepage and preserving the integrity of the concrete.

Contact JPAUL Construction today to learn more.

This post first appeared on https://blog.renovationfind.com

The importance of concrete maintenance

Modern construction would not be possible without concrete. Your house and place of work were probably built using concrete. This material’s durability, strength, and cost-effectiveness are unparalleled. However, even high-quality concrete must be adequately maintained.

Concrete maintenance is essential for concrete’s appearance, structural integrity, and longevity. JPAUL Construction explains.

Why is concrete maintenance essential?

If you want your concrete to last, you need to maintain it. Proper maintenance is essential for long-lasting, structurally sound, and safe concrete. You can extend the life of your concrete by years simply by keeping it clean, preventing cracks from forming, and quickly addressing any damage. Then, you won’t have to replace or repair your concrete as frequently.

Reduced repairs are better for your wallet. Neglected concrete always leads to costly repairs down the road. Cracks, chips, and other damage can be expensive to fix if not repaired promptly.

In addition, concrete maintenance is essential for ensuring safety. Poorly maintained concrete deteriorates, becoming weak and brittle. It can also sink and cause a significant tripping hazard. Severe concrete damage can lead to structural failures, which put people and property at risk.

Lastly, proper concrete maintenance in Calgary results in better-looking concrete. It improves the curb appeal and enjoyment of your property.

Concrete power and acid washing

Power washing and acid washing are two highly effective methods of cleaning concrete. Cleaning is an important aspect of concrete maintenance. Moss and mould negatively impact the structural integrity of concrete if allowed to grow. It’s also unsightly and a health hazard. However, cleaning helps prevent deterioration while also improving appearance, and power washing and acid washing are necessary steps before sealing.

Concrete power washing uses blasts of pressurized water to remove accumulated dirt, mould, mildew, algae, oil stains, and other debris. Acid washing, on the other hand, uses acid to clean the concrete. This removes stains and discolouration before applying a new coat of sealer.

Sealing schedule

Concrete is a porous material, so it absorbs water and other materials. This can lead to cracks, holes, and staining. The freeze-thaw cycle of water is particularly bad for concrete. Sealing concrete better protects it from water damage, chemicals, oil, dirt, and chemicals and makes it more resistant to normal wear and tear. Since the sealant acts as a protective barrier, it makes your concrete easier to clean and maintain.

You should apply a sealer for the first time thirty days after the concrete has cured. Concrete contractors in Calgary then recommend a resealing schedule every 2-5 years. You should resale High-traffic areas sooner than low-traffic ones.

Not all concrete is equal.

Furthermore, you must remember that all concrete is not equal. Poor-quality concrete does not last as long and is more likely to crack, warp, or break. Consequently, it requires more maintenance during its lifespan and must be replaced sooner.

High-quality concrete that was properly installed, however, is highly durable. It can withstand extreme weather, heavy loads, and wear and tear. Quality concrete lasts for many years without requiring significant repairs.

JPAUL Construction exclusively uses high-quality concrete that is designed to last. They also provide concrete maintenance and sealing services. If you need concrete repairs in Calgary, JPAUL Construction can help.

Contact JPAUL Construction today.

This post first appeared on https://blog.renovationfind.com

Safety First: construction and building maintenance rope access and repairs

Construction workers frequently have to work at heights to complete a task. Workers can reach these high and difficult-to-reach places using ladders, scaffolding, man-lifts, or rope access. Safety is paramount. However, there are other factors to consider. For example, cost-effectiveness and efficiency.

Rope access is the best way to access high places. Not only is it safer, but it’s also quicker and more affordable. Consequently, JPAUL Construction in Calgary provides rope access solutions to their customers. Let’s take a closer look at the advantages of using rope access.

Hazards of Scaffolding, Ladders, and Manlifts

Construction and building maintenance in Calgary often require workers to work at heights. Scaffolding, ladders, or man-lifts are commonly used in these situations. However, there are hazards associated with these pieces of equipment.

Working from heights always poses some risk. For example, falling is the number one hazard faced by workers. Falling from scaffolding, ladders, or man-lifts is extremely serious and can be life-threatening. Additionally, falling objects can strike workers while at heights.

Electrocution is another risk. Improperly placed ladders and man-lifts can contact electrical lines, resulting in electrical shocks and severe electrocution.

Manlifts can also tip over if placed improperly or in adverse conditions. 

Rope Access for Safer Construction and Repairs

Rope access is a safe alternative to ladders, scaffolding, or man-lifts during home construction in Calgary. Moreover, ropes have better safety statistics than other means of high access.

A two-rope system, including backup fail protection, supports workers. Their tools are also tethered to them, thus eliminating the risk of falling equipment should a tool slip while in use. This makes it safe for passersby to walk underneath the worker.

Other Advantages of Rope Access

Safety is not the only advantage of rope access. Rope access allows workers to gain access to difficult locations with greater efficiency. It is a significantly faster means of access than scaffolding, which can take days to set up. Rigging for rope access only takes a few minutes, and there is minimal disruption to other ongoing operations in the work environment. 

Rope access is also more affordable than scaffolding or man-lifts. Labour costs are lower because rope access is quick to set up and reduces the time needed to complete a task. In addition, rope access requires less equipment.

JPAUL Construction Rope Access Solutions

Rope access is far safer, more affordable, less intrusive, and quicker than scaffolding, man-lifts, or ladders. That’s why general contractors in Calgary, like JPAUL Construction, recommend rope access over other high-access means.

JPAUL Construction offers unique solutions for construction and building maintenance needs. They use rope access to ensure the safety of their team while working at heights. Plus, you benefit from greater efficiency and lower cost.

Contact JPAUL Construction today.

This post first appeared on https://blog.renovationfind.com

3 Ways to enhance your home’s exterior

When you invest time and money into improving your home, it shows. Additionally, when you invest time or money into improving your home’s exterior can enhance curb appeal and value to potential buyers. But taking on renovations to your home’s exterior can be tricky. Luckily, many exterior contractors in Winnipeg can assist with the simplest and the most complex exterior renovations.

CertaPro Painters in Winnipeg is a full-service paint company who helps homeowners achieve new and updated exterior looks daily. CertaPro works to beautify exteriors with paint and various other services. Read below to find out how CertaPro can help you enhance the look of your home for years to come.

How to enhance the look of your home’s exterior

Exterior house painting

Professional painters can apply new paint to a variety of exterior surfaces. The siding of your house might be the first place you consider for the exterior, as this will be the most extensive paint job. CertaPro Painters in Winnipeg are experienced in painting a variety of siding materials like vinyl or stucco. Their paint services extend to decks, fences, trim, and doors.

Power washing

If you have your home’s exterior painted by professionals like those at CertaPro, this will be an automatic first step. Power washing is an essential step in exterior painting and an impactful service on its own. Talk to CertaPro Painters about power washing and the exterior surfaces you want to look like new! This process removes mould, dirt, and grease. Power washing suits most exterior surfaces like asphalt, wood, vinyl, and stone.

Stain

Stain creates a richer look than paint and usually includes a protective barrier for the wood. Many homeowners combine a staining renovation with other exterior renovations, like painting or cleaning. You can hire CertaPro Painters in Winnipeg to learn about the colour choices for stain and for professional input on where to stain versus where to paint.

Painters in Winnipeg

CertaPro Painters in Winnipeg is a full-service paint contractor with commercial and residential services. Their interior painting services can help you transform walls, cabinets, and any room of your house. Their exterior paint services can help you transform the outside of your home in all the ways mentioned above and then some!

CertaPro Painters are experienced with all types of exterior house painting and staining. They can help you enhance the look of your vinyl siding, your old deck, or the home’s trim. Plus, all of CeraPro’s painters are EPA RRP Lead Certified. The Lead certification means they are experienced working on homes pre-1978 which may have used lead paint.

Contact CertaPro Painters today for a free estimate and paint consultation!

RenovationFind Certified symbolizes integrity held by only the most trustworthy companies in home improvement, service, and maintenance. It increases consumer confidence in your business, giving you an edge over your competition while validating you as the best. More than an online directory, we are Western Canada’s fastest-growing marketing platform for promoting and connecting the best trades, services, and home improvement companies to homeowners.

This post first appeared on https://blog.renovationfind.com

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