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The following article was published in our article directory on December 22, 2009.
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Mixed Signals about Small Business Financing

Article Category: Business

Small business loans and working capital financing are producing mixed signals for commercial borrowers. Business lenders are increasingly reducing or canceling commercial lines of credit, refusing to refinance commercial mortgages and turning down new requests for working capital. At the same time, many business lenders have stated that they are now lending to businesses on a normal basis. These mixed signals are due to a variety of financial and economic issues, but the end result is likely to be confusion for small business owners.

Looking at this perplexing situation from a lending perspective, it is likely that most commercial lenders truly want to be more active in providing small business loans than they currently are. Many banks have been forced to increase their liquid assets to satisfy government standards because they are under-capitalized. This can force such banks to make fewer new loans and to cancel some existing loans. In other cases, lenders have depended excessively on short-term commercial financing sources and now find themselves short of capital to make loans because their own business funding sources are proving to be inadequate.

Having enough cash flow to support daily operational requirements is a critical need from the perspective of a small business owner. The inability to borrow needed funds on an ongoing basis will quickly produce serious consequences for any business because very few businesses are debt-free. When an average business owner cannot get adequate working capital or commercial mortgage loans from their existing bank, they often will not understand why. The primary mission for commercial borrowers is likely to involve locating new sources of capital once they realize that their current lenders might not be up to the task of helping their business financially.

The good news emerging from this complicated and confusing lending climate for small businesses is that there appears to be an adequate supply of new lending sources to fill the void left by the exit of many banks and other lenders from commercial lending. Recently a large business lender declared that they needed more capital from either the government or their current investors in order to continue a prominent role in making commercial loans to small businesses. It has become clear that there are other lending sources sufficient for solving the immediate problem, recognizing that the failure of this lender would be an inconvenience to businesses using their services.

Despite the mixed signals from commercial lenders, most business owners will be able to make it through the current commercial financing chaos. But to ensure that their business survives, commercial borrowers should be prepared to take a more active and personal role in small business financing efforts.

Keywords: small business financing,small business loans,small business finance,business,finance,loans,mortgage

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