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Business Finance Funding Advice and Commercial Financing Help

By Stephen Bush

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Published: 06Mar2009
Word count: 615
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The rapidly-changing environment for business finance funding is likely to produce a series of new problems for business owners. There have been some unexpected and disappointing responses by business lenders to recent economic circumstances. The Working Capital Journal is a regularly-updated information resource for commercial borrowers to review in their attempt to keep up with the increasing challenges confronting them in seeking commercial financing. Some of the most important recent findings are noted below.

For many years, the working capital finance industry has operated primarily on a local and regional basis. In response to cost-cutting that has permeated many industries, there has been a consolidation that has resulted in fewer effective commercial lenders throughout the United States. This has happened in a relatively short period of time, and most business owners have been understandably confused about what this might mean for the future of their commercial financing efforts.

Of course, for some time there have been ongoing complex problems for commercial borrowers to avoid when seeking commercial loans. But what has produced a new set of business finance funding problems is that we appear to be entering a period which will be characterized by even more uncertainties in the economy. Previous rules and standards for commercial financing and working capital finance are likely to increasingly change quickly, with little advance notice by business lenders.

With the current realization that substantial changes are likely in the near future for commercial finance funding throughout the United States, business owners should make an extended effort to understand what is happening and what to do about it. At the forefront of these efforts should be a review of what actions commercial lenders have already taken in recent months. The Working Capital Journal is one prominent example of a free public resource that will facilitate a better understanding of the responses by business lenders to recent economic circumstances.

Publicizing actions being taken by business lenders throughout the United States will contribute to at least two goals, both of which are likely to prove helpful to most small business owners: (1) To highlight controversial bank-lender tactics with a view toward reducing or eliminating questionable lending practices. (2) To help business owners prepare for commercial finance funding changes. To assist in this effort, sources such as The Working Capital Journal are encouraging business owners to report and describe their own experiences so that they can be shared with a broader audience that might benefit from the information. Some of the most significant commercial financing changes reported so far by commercial borrowers involve working capital loans, commercial construction financing and credit card financing. Predatory lending practices involving credit cards have been actively reported by numerous business owners and other individuals. Some specific businesses such as restaurants are having an especially difficult time in surviving recently because they have been excluded from obtaining any new business financing by many banks.

As reported by The Working Capital Journal, one of the few bright spots in business finance funding recently has been the continuing effectiveness of business cash advance programs to obtain working capital quickly. For most businesses accepting credit cards, this commercial financing approach should be actively considered. Because most banks appear to be doing a terrible job of providing commercial loans and other working capital finance funding in the midst of recent economic and financial uncertainties, business cash advances are literally saving the day for many small business owners. For example, as noted above, restaurants are virtually unable to currently obtain commercial finance funding from most banks. However, if a restaurant accepts credit cards in their business operations, they are likely to be able to obtain needed cash from merchant cash advances and credit card factoring.

Learn how to avoid mistakes for commercial financing and commercial real estate loans - Steve Bush is a working capital finance expert => AEX Business Finance Funding and Commercial Loans

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