Managing Your Business

Elevate your cash flow (PDF, 7 MB)

Use this exciting tool to help you win at cash flow management and elevate your business.

Creating and maintaining positive cash flow (PDF, 110 MB)

Review this article to help you ensure you have a plan to create a gap between your expenses and receivables and maintain a positive cash flow.

Do it yourself (DIY) cash flow solutions (PDF, 2 MB)

When it comes to managing cash flow, business owners often learn the hard way that you can never just wing it. Enter our Cash Flow Obstacle Course to see why we’re saying no to DIY cash flow solutions.

In conversation with Christopher Davies: DIY cash flow solutions

Listen to a podcast where Ian Penny, Vice President of CIBC Small Business Banking talks to CIBC client Christopher Davies, Owner of Dog and Pony Studios about his experience with DIY cash flow solutions.

Read the transcript

Video – A conversation with Sabine Veit: A story of success (1:53)

A conversation with Sabine Veit: A story of success

Starting and running a business can be risky and challenging and new businesses often fail during the first few years. As a business grows, new challenges and opportunities arise that push business owners to think and do things differently. Sabine Veit, Founder and CEO of Bäckerhaus Veit, Ltd., shares what she has done really well while running her business.

Featured Speakers:

James Logan, Regional Vice President, CIBC Commercial Banking

Sabine Veit, Founder and CEO, Bäckerhaus Veit, Ltd.

Video – A conversation with Sabine Veit: Standing out from the competition (1:56)

A conversation with Sabine Veit: Standing out from the competition

In a world of extreme competition, it can be difficult to differentiate yourself from the rest. Doing this successfully is one of the main challenges business owners face. Sabine Veit, Founder and CEO of Bäckerhaus Veit, Ltd., shares tips for other business owners looking to stand out.

Featured Speakers:

James Logan, Regional Vice President, CIBC Commercial Banking

Sabine Veit, Founder and CEO, Bäckerhaus Veit, Ltd.

A conversation with Jeff Mitelman: How to streamline financial activities

Managing the finances of a business can be time consuming for small business owners. Jeff Mitelman, CEO of Thinking Capital, explains how small business owners can streamline financial activities to maximize their time and create value for their business.

Featured Speakers:

Mike Marshall, Senior Director, CIBC Small Business Banking

Jeff Mitelman, CEO, Thinking Capital

A conversation with Jeff Mitelman: Factors to consider when applying for a loan

Small business owners are often looking for ways to grow and increase their bottom line. Financing options can offer them a means to effectively grow their business and take it to the next level. Jeff Mitelman, CEO of Thinking Capital, shares important factors to consider when applying for a loan.

Featured Speakers:

Mike Marshall, Senior Director, CIBC Small Business Banking

Jeff Mitelman, CEO, Thinking Capital

A conversation with Jeff Mitelman: Tips on getting approved for a business loan

Whether starting a new business or running an existing one, securing financing can be a major factor for success. Having access to capital provides businesses with greater flexibility to respond to important business opportunities. Jeff Mitelman, CEO of Thinking Capital, provides key tips on what small businesses can do to increase their chances of getting approved for a business loan.

Featured Speakers:

Mike Marshall, Senior Director, CIBC Small Business Banking

Jeff Mitelman, CEO, Thinking Capital

A conversation with Shelley Ng: Cash management benefits of using a payroll solution

Cash flow management can be critical to the success of any business. Effectively managing payables can make significant and controllable improvements in a business’ cash flow. Shelley Ng, VP, Product Management at Ceridian, shares how payroll solutions are one way small businesses can better manage their cash flow.

Featured Speakers:

Mike Marshall, Senior Director, CIBC Small Business Banking

Shelley Ng, VP, Product Management, Ceridian

A conversation with Shelley Ng: Advantages of a payroll solutions

Payroll administration can be complicated and time-consuming for small business owners. From start-ups to growing businesses, payroll fluctuates. Shelley Ng, VP, Product Management at Ceridian, explains payroll solutions can save time and make running your small business easier.

Featured Speakers:

Mike Marshall, Senior Director, CIBC Small Business Banking

Shelley Ng, VP, Product Management, Ceridian

A conversation with Shelley Ng: Choosing the right payroll solution for your business

Small businesses have diverse payroll needs, so it’s important to choose a payroll solution that aligns with them. Shelley Ng, VP, Product Management at Ceridian, discusses the main factors to consider when choosing the right payroll solution for your business.

Featured Speakers:

Mike Marshall, Senior Director, CIBC Small Business Banking

Shelley Ng, VP, Product Management, Ceridian

A conversation with Shelley Ng: Mitigating payroll security concerns

With new developments in technology and cloud-based data sharing, there is a growing trend to outsource payroll solutions with a single provider. Shelley Ng, VP, Product Management at Ceridian, shares how to mitigate payroll security concerns by partnering with a provider that offers a suite of services to ease the workload in-house, increase efficiency, and reduce liability for your business.

Featured Speakers:

Mike Marshall, Senior Director, CIBC Small Business Banking

Shelley Ng, VP, Product Management, Ceridian

What is Cloud Computing? (PDF, 730 KB)

An alternative to traditional servers, cloud computing offers the use of a network or internet connection to access, store, and manage data. Find out how cloud computing works and how to get started.

User Experience (UX) (PDF, 400 KB)

UX refers to a user-centered design process that takes clients’ needs into account at every stage of a product’s life cycle. Read more about why a well-functioning, customer focused site is important for businesses and how to make the switch.

Accounting Software Solutions (PDF, 2 MB)

Automating and streamlining financial management tasks can add up to big savings, fewer headaches and less paperwork for your business. Find out more about the benefits and how to integrate accounting software solutions into your financial management.

Managing your foreign exchange exposure (PDF, 480 KB)

Foreign exchange fluctuations can present a risk to your business. Unpredictable exchange rates can affect your profitability, so it’s important to think ahead and plan accordingly to protect your business against this risk.

Best practices to help protect you from online fraud

It is easy to overlook simple prevention measures to protect yourself from online fraud. To avoid becoming a victim, it is important to familiarize yourself with frauds that could impact your business, and take the steps to help protect yourself.

A conversation with Erin Bennett: Streamline cash management

Managing the finances of a business can be time consuming for business owners who may need to spend hours on activities that take their focus away from their clients and their business strategy. Erin Bennett, CIBC, Vice-President, Global Transaction Banking, discusses innovative banking solutions that business owners can take advantage of from the convenience of their office or remote business location.

Featured Speakers: 

Shelley Swanlund, Vice-President, CIBC Business Banking & Head of Small Business

Erin Bennett, CIBC, Vice-President, Global Transaction Banking

A conversation with Erin Bennett: How to manage risks?

It always pays to think in advance when running a business – no matter how small it may be. To increase your chances of success, Erin Bennett, CIBC, Vice-President, Global Transaction Banking, explains how to proactively identify and manage the risks of doing business online before they occur.

Featured Speakers: 

Shelley Swanlund, Vice-President, CIBC Business Banking & Head of Small Business

Erin Bennett, CIBC, Vice-President, Global Transaction Banking

Creating Cash Reserves (PDF, 4.5 MB)

Cash in the bank acts as a buffer and can help you better weather the ups and downs you may encounter in running your business. Complete this interactive PDF to discover the benefits of creating a cash reserve and assess possible cost savings in your business.
 

How to navigate around cash flow problems (PDF, 160 KB)

Cash flow problems can leave you at sea unless you take the right precautions. Prepare for the worst and growing your business will be smooth sailing.

How to forecast cash flow

Cash flow forecasting is vital to your business' financial health and profitability. It keeps you aware of your financial health while you focus on what matters –running your business.

Monthly cash flow forecast (XLS, 50 KB)

Use this forecasting tool to help you plan for growth and manage your business's cash flow through periods of change.
 

How to speed up your cash cycles (PDF, 540 KB)

If you're in business, you need to understand your cash cycles and how to speed them up to improve the health of your business. You want to be paid as quickly as possible, so you don't want your cash cycle to be an epic round trip through the wilderness.

Economic trends – helping your business plan for success

Benjamin Tal, Deputy Chief Economist, CIBC World Markets, provides his perspective on Canada's economy, the global outlook and trends affecting small businesses today and in the near future.

For more information, watch the full webinar or contact a CIBC business advisor.

Seven Solid Reasons You Should Get a Mentor

The path to success is not an easy one. Mentors understand what it takes to succeed and can give you the advice and support required to help you achieve your vision for your business.
 

Priming Your Small Business for Big Success

Leaders, entrepreneurs and investors provide advice on achieving success.
 

Secrets to small business success (PDF, 60 KB)

Small business owners are often looking for ways to increase their bottom line. To help entrepreneurs expand their business successfully, we examined the key factors that helped businesses that have experienced periods of strong growth over the course of their existence and identified the major forces that will have the greatest impact on small businesses over the next 10 years.
 

Seven tips to manage your money better

Cash flow is the fuel that keeps a business running smoothly. To make sure your company isn't running on empty, check your current practices against these techniques used by the top money managers.
 

Are you a smart money manager?

There are a number of financial products and services available to help you run your business efficiently.
 

Managing cash flow in growth situations

For many small businesses, growth is the barometer for success. But expansion can present challenges, particularly in the area of cash flow. In order to grow successfully, you need to be prepared

Fraud-Prevention Tips for Businesses

Jasbir Anand, CIBC Senior Director, Fraud Strategy and James McAuley, KPMG Partner, Forensic Practice discuss fraud-prevention tips for businesses, such as effective cash management strategies for preventing internal fraud and awareness strategies to help prevent external fraud.

For more information, watch the full webcast or contact a CIBC business advisor.

A Strategic Approach to Minimizing Fraud Risk (PDF, 145 KB)

The risk of business fraud today is higher than ever. The main contributing factors are the growing complexity of organizations, emerging technologies, and evolving accounting practices that, combined, make it challenging for businesses to monitor the increasingly sophisticated fraud tactics of criminals.
 

How to reduce payment fraud (PDF, 2 MB)

Payment fraud can come in many guises. Businesses need to be wary, not just of fraud risks around how they take payment, but also in how they themselves pay their suppliers. How concerned should you be?
 

Take the pulse of your business

Keeping an eye on the financial health of your business is good preventive medicine. Here are some quick and easy diagnostics to gauge the well-being of your business.
 

How to make a good business even better

Managers of large corporations regularly monitor the performance of other companies to determine how they compare and where they can improve. Your business may be smaller, but it can still benefit if you follow the lead of bigger companies.
 

Tax filing made easy

Keeping track of the various taxes associated with running a business can be a lot of work. And if you miss any due dates, it's expensive. Fortunately, there's an easier, simpler way to stay on track and on time.
 

Seeing the big picture – from your employees' point of view

Attracting bright, creative, committed talent and retaining it are important parts of managing a successful business. One way to get and keep the best employees is to meet their needs outside as well as inside the workplace.
 

The benchmarking process in brief

After doing her annual business review with her CIBC business advisor, a small business owner realized that her business' profitability had been declining. Cash flow had always been a problem for her manufacturing company, and she suspected that her costs were higher than they should be.
 

Your guide to business planning

A good business plan helps set you on the road to financial success. By mapping out your goals and strategies, you'll get a clearer picture of what your business really needs. In addition, an effective business plan is essential if you want to attract investors.
 

Ten ways to retain great employees

Plant, machinery and vehicles are all important, but when it comes to key assets, nothing beats having great staff who play a critical role in your business' ability to operate at its maximum potential.
 

Client Profiles
 

Trutone Electronics sets itself apart (PDF, 90 KB)

You don't have to be big to have a competitive advantage. See how one independent retailer kept up with the market by continuing to evolve his business and keeping customer needs top of mind.
 

Targeting smaller markets yields big growth for Nu Dimensions (PDF, 90 KB)

Focusing on a niche market is one way a small business can stand out in a crowded market space. This article highlights one business that continued to increase its sales by pursuing customers in niche markets.
 

Technology investments give Protec Dental Laboratories a competitive edge (PDF, 140 KB)

Investing in a new technology can offer exciting opportunities to expand your business. By doing this, one business has increased revenue and established itself as an industry leader.
 

Vertex Logical Solutions: Strategic business alliances meet customers' expanding needs (PDF, 130 KB)

Strategic partnerships can enable you to expand quickly by utilizing the resources of your partners. Learn how one business formed strategic partnerships to grow.
 

Modu-Loc Fence Rentals: Why you should leverage strategic partnerships to close operational gaps (PDF, 260 KB)

When you combine a strong product line with a demanding market, managing company growth often requires help from strategic partners. Read more to learn how to close operational gaps by leveraging strategic partnerships.
 

B2B platform a jewel for CrownRing (PDF, 220 KB)

Technology is the foundation that allows businesses to reach new customers or find new resources faster and more efficiently. The article explores how to optimize your investment in technology to drive business success.
 

Elite Integrity Services: Skilled trades shortage in Alberta a tremendous opportunity for new and growing businesses (PDF, 310 KB)

When demand is high in your market, developing a deeper understanding of your customers' needs and forming strategic alliances are great ways to provide added value to your customers. Read more on how to align your business growth by making customer-centric decisions.
 

Want to take your business global and succeed? The formula is specialization and persistence for MDS (PDF, 250 KB)

The foundations of international success start with building long-term relationships. The article shows how to learn to leverage the skills and knowledge that you have developed to build on the strength of an existing reputation.
 

Financial Restructuring Strengthens Tommy’s Welding’s Bottom Line (PDF, 100 KB)

As your business grows, so can your revenues and, unfortunately, your taxes. This article shows how one company structured its business to better manage their finances while maximizing cost and tax efficiencies.
 

Be the Change Group Keep Their Enterprise Lean (PDF, 80 KB)

When sales are growing, you can easily lose track of spending and exceed your cash flow and could quickly find yourself squeezed for funds. The article explores how one company mitigated this risk and avoided borrowing as they started up their business.


Small Business Growth Package

Whether you're planning on introducing a wider range of products or services, increasing capacity, or building brand recognition, CIBC can help.

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