There are at least two prominent motivations for small business owners seeking small business loan options without banks. One is looking backward at how banks have performed and deciding that they deserve better. This is illustrated in part by the ongoing failure of banks to provide small business financing despite receiving taxpayer-funded bailouts designed expressly for banks to continue normal business lending. (more…)

Commercial borrowers are likely to be involved for some time to come in searching for help in understanding working capital financing in a changing economy. Banks have been the traditional source of small business loans for several decades, but this role seems to be growing to a close. For their routine business finance needs, businesses are not easily finding a bank solution. (more…)

Commercial borrowers should always ensure that they receive thorough and candid advice prior to finalizing all small business loan agreements. Ultimately the primary purpose in using a working capital specialist or small business loans expert is to ensure that all practical and effective commercial finance options are fully reviewed.

Many borrowers have already discovered that small business financing is more complicated than they expected. (more…)

Commercial borrowers should always ensure that they receive thorough and candid advice prior to finalizing all small business loan agreements. Ultimately the primary purpose in using a working capital specialist or small business loans expert is to ensure that all practical and effective commercial finance options are fully reviewed.

Many borrowers have already discovered that small business financing is more complicated than they expected. (more…)

When businesses are faced with difficult financial circumstances, a simple common sense solution will often be more effective than a more complicated approach. The critical importance for small business owners placing a high priority on “getting back to the basics” is exemplified by increasingly limited working capital management options in the face of commercial banking problems.

The entire process of reviewing “working capital basics” will help businesses conclude how other commercial finance options are likely to be more effective in resolving their predicament than a traditional bank solution of taking on more business debt to resolve financial problems. (more…)

Based on what has been seen and reported, it is reasonable to wonder if commercial banking has more big problems lurking in the wings. For at least a year, banks have been experiencing both negative operating results and poor publicity. Actual commercial mortgages activity reported by banks conflicts with the usual attempt by politicians and bankers to portray banks as normal and healthy. (more…)

By exploring what happened with commercial lenders, business owners will be better prepared to avoid serious future problems with their business loans and commercial real estate financing. Especially if they need help finding realistic small business finance options, this is a critical issue for most commercial borrowers. The bankers and banks responsible for the recent financial meltdown seem to be saying that even if anything actually went wrong, everything is fine now in the world of working capital and commercial lending. (more…)