What can I do when logged in?

You can submit new articles, so we can make unique versions of them and distribute them for you.
If you want to simply publish the same article on 800 websites, you can tell us to do that.
You can see the archive and current status of all your article distributions.
You can order any number of high-quality articles - just let us know your keywords.
You can browse the archive of all the articles we have written for you.
You can order our Complete Service (10 high-quality articles plus 10 article distributions).
You can purchase more credits for our services and check your affiliate earnings.
Much more ...

SpinDistribute.com Article Directory

The following article was published in our article directory on December 30, 2009.
Learn more about SpinDistribute Article Distribution System.

Bank Rage and Business Loans

Article Category: Finances

Author Name: Stephen Bush

Bank rage has become a practical concern that cannot be ignored for business financing and small businesses. Several components underlying this widespread bank rage are described in the following paragraphs. One practical and effective commercial finance solution for business owners to consider is introduced briefly.

An acknowledgment that business owners are suddenly realizing that banks are not what they were just a few years ago is a practical starting point for understanding the bank rage that has become commonplace. A large number of businesses are discovering that they need small business financing help for the first time in several decades due to the severity of economic events beyond their individual control. A primary change causing this problem for commercial property owners has been the quick reversal in how banks take risks. While some business loans involving a certain amount of risk were previously provided to small businesses, banks have seemingly stopped making such commercial loans. The risk-taking activities for most banks no longer emphasize small businesses but instead high-risk opportunities offering the bank a higher profit possibility. Investing in portfolios of risky residential mortgages only to discover that investments do not always go up in value is a prime example of how many banks over-leveraged their balance sheets. These investments are now usually referred to as toxic assets because they are either worthless or it will be a long time before anyone could sell them at a break-even value.

A substantial portion of the current bank rage can be attributed to the results of scrutinizing how banks are using their scarce resources. Many well-known banks are paying million-dollar salaries and bonuses to employees who have already taken their employers to the brink of disaster rather than using their scarce resources for traditional uses like business financing programs for small business owners and commercial property owners. Typically paying as little as three cents on the dollar in cash and leveraging the remainder with debt, banks which should have known better unwisely invested in multiple varieties of what are now referred to as toxic assets. The true source of money invested in toxic assets is probably capital provided by bank depositors and shareholders. In what has to be seen as an outrage to almost everyone, even after banks have reported losing billions of dollars as a result of toxic asset transactions, they have repeatedly paid out billions of dollars to employees responsible for those worthless investments. While some will joke that this is nice work if you can get it, most pragmatic observers will readily say that this is no way to run a bank.

Meanwhile, the few remaining good banks have effectively been victimized by the outlandish behavior of the many bad banks. For purposes of this brief comment, the most practical commercial finance solution which should be actively evaluated by most small businesses is determining whether their current banking relationship involves one of the bad banks or one of the good banks. Getting beyond bank rage and subsequently moving forward is a prudent goal for any small business. Small business owners should be prepared to look out for their own best financial interests and realize that firing their banker might be the most appropriate course to follow.

Keywords: small business loans,business loans,working capital,small business,finance,business,real estate

Learn more about SpinDistribute Article Distribution System. We also offer Professional Article Writing to everyone who's looking for high quality web content.

SpinDistribute.com Network

Each article you submit at SpinDistribute.com is sent through our innovative Article Distribution System to our network of more than 1840 publishers - about 55% of them are high-quality article directories, 30% of them are niche blogs and 15% of them are other content-rich websites.

To achieve the best possible success we only publish your article to most related websites. This means your article will show up on approximately 640 - 880 most related websites which will give you great SEO results.

We also offer a separate Professional Article Writing Service to everyone who's looking for high quality web content and well researched unique articles.