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One clever approach to marketing the concept of business loan services without banks is generally built upon a variation of the good cop and bad cop by merely comparing a "good" lender to the "bad" banks. To ensure that the main point (avoiding banks) is not overlooked, some lenders are using business financing options slogans like "Think outside the bank". Whether or not the advertising approach is convincing to small business owners, the ability to obtain commercial loans without bank...
Small Business Loans and Commercial Lending Perspectives
This discussion is provided as one tool for small business owners to use in their efforts to become more successful in securing reliable working capital financing and small business loans, and everyone must hope for improvement in this situation. Some of the most important factors currently impacting commercial lending are highlighted in this article. It should be noted that this brief evaluation covers only a small part of the total business loan picture likely to be experienced by commercial...
Six Words Describing Working Capital Management
In addition to reducing credit card processing costs, practical working capital alternatives include working capital loans and merchant cash advances. We are providing a series of six-word descriptions about working capital financing options in order to give business owners a concise explanation of the problems which should be anticipated. Several reports which include "seven words to describe commercial mortgage loans" contain additional small business finance perspectives. Because even the...
Seven Words to Describe Commercial Mortgage Loans
Because there are very few reliable signs indicating that commercial mortgage options are improving, business borrowers should be developing strategies for dealing with the serious ongoing commercial banking problems impacting their ability to obtain commercial real estate financing. These efforts should be facilitated by concise and candid explanations about lenders, and this report provides several short and straightforward descriptions using seven words to explain commercial real estate...
Seven Words to Describe Working Capital Advances
This report will provide a series of seven-word descriptions about merchant cash advances. This specialized commercial finance approach is probably not well understood by most business borrowers. Our use of concise business finance explanations has also been employed in a number of other reports such as "six more words about business financing". Business cash advance programs are emerging as one of the few effective working capital options for small business owners, and this article will offer...
Six Words to Describe Business Financing
Small business owners have probably heard an almost endless number of reports about commercial lending difficulties. Ultimately what commercial borrowers might need most is a more concise explanation about these problems and the resulting impact on their business financing options. This report was produced in a direct effort to provide more understandable insights about some of the most critical business finance issues effecting business owners. Our approach in this particular report is to...
Business Finance Choices to Replace Bank Financing
Small business owners are likely to hear reports from multiple sources about the increasing difficulty in obtaining business loans from banks. As a result, a prudent alternative is for commercial borrowers to explore whether there are effective small business finance options to replace bank financing. While successful results will certainly be different for each business, there are several business financing choices available to consider as effective replacements for commercial loans and...
Business Management Tools
Various strategies for cost control will be helpful for most small businesses trying to cope with reduced sales volume. Business planning and consulting are likely to be among the most effective alternatives to help small business owners deal with recent distressed financial conditions.
For a company that is not experiencing one or more substantial problems, the need for new business planning tools is rarely a high priority. However even for the most healthy business, contingency plans are...
A Bumpy Ride for Working Capital Financing
In spite of the frustrating and confusing business financing environment, a prudent commercial loans strategy is likely to produce the most effective results that can be hoped for by small business owners. With business loans and working capital financing, commercial borrowers need to be prepared for a long and bumpy ride. Based on how chaotic the commercial banking climate is currently, this situation is expected to prevail for a long (but unpredictable) period of time.
Finding appropriate...
Business Loans and Commercial Mortgages - A New Normal
Under the current difficult circumstances for commercial loans and commercial lending, the best that can be hoped for is that a "new normal" does exist for business borrowers. Whether they are talking about working capital management, commercial mortgages or small business loans, it is only natural for a small business owner to want to know what the "normal" way to do something looks like. Unfortunately for most commercial borrowers, their recent small business finance experiences have...
Solutions for the Commercial Loans Puzzle
The practical rationale for using a puzzle analogy in this article is to help describe an otherwise complex working capital and commercial financing situation in a more understandable way. The current commercial loan stakes for commercial borrowers could not be higher because their business survival might be hanging in the balance, and the comparison of small business financing to a puzzle is not meant to diminish the critical importance of success by business owners when they encounter...
How to Obtain Small Business Financing When Banks Say No
Several years ago we published an article which provided advice about what business owners should do if their small business financing application was rejected. The commercial lending environment has now deteriorated to a point that the earlier advice is likely to be especially relevant for many businesses because banks are saying "no" more than they have in several decades.
A bank saying "no" can actually lead to an overall improvement in commercial financing options under many...
Reducing Small Business Debt and Commercial Bank Financing
A prudent and logical approach for business borrowers is to investigate the viable options for reducing current levels of small business bank financing and commercial debt because of serious deficiencies with commercial banking services now available to small businesses. A growing number of business owners are seeking business finance advice about how to reduce small business debt and commercial bank financing.
In most cases, small business owners are not openly seeking a commercial lending...
Business Finance Survival Guide
High on the wish list for most business owners is likely to be finding effective guidance for obtaining small business finance help. This article is designed to provide a practical starting point for a commercial finance survival guide. Due to the rapidly increasing failure of banks to provide a normal level of commercial funding, the suggestions described in this article should be considered by most business borrowers in the initial stages of their commercial financing efforts rather than as...
Working Capital Management Options for Disappearing Credit Lines
In a situation that is similar to the sudden elimination of familiar car brands like Saturn and Pontiac by auto manufacturers, banks have begun the process of quickly eliminating many familiar small business finance services such as commercial lines of credit. As a result, small business owners need to explore working capital management options for replacing business lines of credit that have all but disappeared from the current small business financing choices provided by their existing bank....
Commercial Lending Changes Hurt Small Business Financing Options
Most small business owners are likely to be severely impacted by recent commercial lender changes. In almost all cases, the business lending changes are permanent and cannot be avoided if a commercial borrower wants to continue their present banking relationship. One noteworthy exception is illustrated by a few new and more flexible commercial lending sources.
One of the biggest commercial lending changes involves new guidelines for working capital financing. Most banks appear to be quietly...
Small Business Finance Success Improves with Realistic Options
It is of critical importance that business owners assess their most practical and effective options when facing small business finance decisions. Business owners should be prepared to encounter stark changes impacting most working capital loans and small business financing. With proper preparation most business owners will still be able to obtain new financing despite these difficult challenges, although it is likely that terms of financing will be different from previous commercial financing...
Small Business Finance Lending Suffers from Mixed Signals
For small business financing, "mixed signals" has fortunately not been a regular description that applies to working capital and business loans. The use of "mixed signals" is much more common in describing the world of politics. The usual political example of "mixed signals" is typically depicted by conflicting statements made in different speeches. As banking corporations become more intertwined with the world of politics, it should probably come as no surprise that "mixed signals" as a...
Commercial Real Estate Loans Might Need Intensive Care
While business financing patients (commercial borrowers) might be in serious condition when they find that their bank will not provide needed commercial real estate loans, experienced small business finance specialists can frequently help in restoring financial health that will facilitate a business getting out of an intensive care situation. In some cases this involves finding a healthy bank that is willing (and able) to provide "normal" commercial mortgages, but it will probably be necessary...
Accounts Receivable Financing to Replace Bank Business Loans
For any small business owner trying to keep their operation afloat, accounts receivable financing should be thoroughly evaluated as a practical strategy to replace conventional bank business loans. A temptation for borrowers to eliminate options prematurely because they appear to be too costly or complicated is one of the biggest hurdles in this process. It will usually be prudent to keep all workable options on the table because there will not always be be a simple or cheap solution to the...
Back to Basics For Working Capital Management and Business Loans
Small business owners will quickly realize when they review working capital management and business loan basics that the most effective commercial financing sources have changed during the past few years. Commercial borrowers might need to be alerted that there are both "new basics" and "old basics" for most business financing situations, primarily because the active role that banks have traditionally played in providing both working capital loans as well other forms of commercial loans has...
Commercial Loan and Working Capital Resources
To locate the most appropriate business finance sites referred to in this article, commercial borrowers can simply use one of the leading internet search engines or contact the author directly. All of the noted resources are free and available online. This overview will describe some of the commercial loan resources which should be reviewed by business owners as part of their successful process for obtaining working capital and small business loans.
Small business loans have always been more...
Misinformation and Confusion about Business Cash Advances
The actual availability of commercial financing for business finance programs such as business cash advances and commercial mortgages is unclear to most commercial borrowers throughout the United States. The confusion about working capital financing and commercial loans seems to be increasing despite efforts by the federal government and commercial lenders to suggest that there is ample commercial funding.
It seems apparent that there have been many reports suggesting that normal commercial...
Small Business Loans and the Bottom of the Ocean
For most small business owners, the current ineffective process for obtaining small business loans and commercial mortgages has become frustrating and confusing. Normally reliable banks and bankers have suddenly become undependable and non-responsive to the practical needs of commercial borrowers. For most observers, it is remarkable to see how differently the public is suddenly treating the banking industry. To update a Ronald Reagan quote about government solving problems, the current...
Commercial Loans - Are We All in This Together?
? In the Working Capital Journal and elsewhere, there have been many reports so far indicating that only a small number of financial companies appear to be acting as if they truly understand that "We're all in this together". A special concern by many observers is that the largest banks (essentially those receiving federal funds recently to assist with their troubled financial operations) are not acting in this manner at all.
This has resulted in two major problems for commercial borrowers:...
Business Finance Funding and Avoiding Dead Banks Walking
In the world of business finance funding, the colorful terms "Zombie Banks" and "Dead Banks Walking" have been applied recently to a number of commercial lenders. Although these discussions have an element of humor and entertainment, there is a practical aspect to them as well. Ultimately it is not likely to be in the best interest of a business owner to have extensive involvement with any of the banks which these terms describe accurately. In any case it should be beneficial for commercial...
Construction Loans and Commercial Loans
Many business financing experts continue to project that the rapidly-changing environment for commercial financing and working capital loans will involve a series of new but avoidable problems for business owners. These new challenges are increasingly evident with commercial mortgage loans, particularly those involving commercial construction financing.
There have always been complex problems for business owners to avoid when seeking commercial loans. By most accounts, these difficulties are...
Commercial Loans and Plan B Contingency Financing
The advisability of having a Plan B should be well-known to most business owners. However it seems that this valuable contingency planning concept is overlooked all too often with regard to working capital financing and commercial loans.
One of the most entertaining and effective depictions of contingency planning is a movie called "Rare Birds". This movie stars William Hurt and includes variations of the line, "Always have a Plan B". For any business owner who doubts the importance of...
Commercial Loans and Short-Term Working Capital Management
It is very easy for borrowers to overlook short-term choices for commercial loans. With an economic recession impacting business activity adversely, all working capital financing options should be thoroughly evaluated. This article will describe alternatives such as short-term commercial mortgages and business cash advances.
Short-term commercial loan alternatives are frequently forgotten because of misunderstandings about long-term commercial financing. Although long-term commercial real...
Working Capital Loans and Small Business Cash Advance Strategies
In this article we have identified the ten major problems which should be avoided when obtaining working capital and business cash advances based on credit card processing. As noted below, it is not necessary to accept any of these business finance difficulties.
Credit card processing and small business loan strategies are closely connected in many ways. Business owners should not overlook the substantial working capital benefits which will accrue to their business by effectively coordinating...
Commercial Loans and Small Business Financing - What to Avoid
The combination of factors noted below can have dire financial results for commercial real estate loans and small business loans. Business owners should be prepared for these real possibilities. It is always advisable to have an advance understanding of what can go wrong with working capital financing and commercial loans.
The worst case scenario for small business loans and commercial real estate loans is not a situation that most people should want to experience. There are several elements...
Business Loan Strategies - Why Do Some Banks Say Yes When They Mean No?
Many banks are so conscious of their reputation in the local community that they don't want to be known for refusing business loan requests by respected community residents. One alternative that many of these banks have adopted is the art of never saying "no" in such commercial financing situations. What they do instead is to attach onerous conditions when they say "yes". In most cases the bank doesn't expect the commercial borrower to accept the conditions, and therefore the bank has avoided...
Commercial Hard Money Loans - Three Business Scenarios
The primary rationale for a business considering a commercial hard money loan is that traditional commercial financing options are not viable. There are three financing options for most commercial real estate scenarios: traditional banks, intermediate lenders and hard money lenders. In those situations where traditional banks and intermediate lenders both say "NO", it then makes good business sense to explore under what terms a hard money commercial loan might be available.
Many viable...
Commercial Financing For Special Purpose Business Properties
Funeral homes, assisted living facilities, campgrounds and other special purpose properties represent one of the most difficult commercial loan situations which will be confronted by a business owner. Unique properties are not easily understood by traditional lenders, so the most common solution involves finding a non-traditional lender for funeral home financing as well as commercial financing for other special purpose properties. Such non-traditional lenders will be appropriate for purchase...
The Top 12 Commercial Mortgage Loan Problems To Avoid
This article describes 12 recurring commercial mortgage problems that commercial borrowers and their advisors need to anticipate before it is too late. The following problems are common in traditional bank commercial real estate loans and should be avoided if feasible (special circumstances will periodically make some of these terms unavoidable).
Key Problem Number 1: Tax Returns versus Stated Income
Most traditional banks will require several years of tax returns in order to qualify for a...
Ten Problems To Avoid With Business Cash Advances
Even thriving small businesses frequently need more cash than they can borrow from a bank. One of the least-known commercial financing strategies for small businesses is potentially the single best strategy for obtaining needed cash for growing their business. This commercial financing strategy uses an under-utilized business asset (credit card receivables) to obtain business cash advances based upon a merchants sales volume. These business cash advances typically vary from $5,000 to...
Six Solutions For Church Financing Difficulties
Churches require a very specialized type of commercial real estate financing. Churches are certainly not a typical business or small business, but churches nevertheless have very real and substantial financing needs.
Before addressing possible solutions for the most common church financing needs, it is important to discuss the typical barriers to obtaining church loans. Historically church financing has been difficult to arrange for several reasons:
(1) Church properties are unique....
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