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 January 13, 2010.
Learn more about SpinDistribute Article Distribution System.

How to Survive the Working Capital Loans Crisis

Article Category: Finances

Author Name: Stephen Bush

A difficult but essential goal for any business owner is surviving the current working capital crisis. This article will illustrate the importance for small business owners doing whatever it takes to survive in a tough commercial lending climate.

The necessity of small business owners adopting aggressive tactics has been dictated by the inadequate commercial lending performance of banks in providing sufficient small business finance options. The actions described in this article might be viewed by some as a last resort approach, but these suggestions should usually be considered by most commercial borrowers in the early stages of their commercial funding efforts due to the growing failure of banks to provide a normal level of commercial financing.

The ability of a commercial lender to provide required commercial finance options will normally be the most practical means of a small business owner assessing whether a bank is good or bad. Even though banks have been repeatedly suggesting that they are offering a normal level of lending, there are various reports that tell a different story. It is reasonable to conclude that if a bank is not providing commercial loans as usual, it certainly might be because they do not have sufficient financial resources for small business lending. Based on their documented business lending activities (the only scorecard that matters to most small business owners), the few good banks will gradually become obvious. To locate one or more of the few good banks still providing small business finance services, some expert help is likely to be needed.

One practical way for business owners to overcome a substantial information gap is to use a business consultant who is a commercial financing expert. The current commercial lending climate is no place for inexperienced borrowers when dealing with more complicated small business finance programs and banks which predominantly are not functioning in a normal manner. A pragmatic solution to a situation that most business borrowers would prefer did not exist is to work with a business finance consultant experienced in solving small business loan difficulties.

For businesses to survive in an erratic economy, the use of flexible financing tactics means that some small business finance options which business owners earlier ruled out because they were too complicated or costly might merit another look. A prime example of a Plan B business financing strategy for many small businesses but not their eventual choice to obtain additional working capital financing is a merchant financing program (also referred to as credit card receivables factoring or merchant cash advances). With a sudden reduction in business lines of credit and an increased requirement for collateral by many commercial lenders, the use of credit card processing to obtain working capital now has more practical appeal for the typical small business owner who needs more cash for their daily operations.

For many commercial borrowers, the idea of firing their lender has not yet become clear. Even when there is a close relationship with a business lender, in the current banking climate an aggressive commercial loan perspective may be appropriate for small business owners looking out for their best interests during a widespread lending crisis. One of the most predictive signs that a commercial borrower might need to fire their banker is when their commercial banker is unable to finalize the business financing which was initially discussed or offered.

In addition to the innovative financing tactics already discussed, there are some more business loan options which must be evaluated by small business owners before finalizing their commercial loans. In all likelihood identifying new and dependable commercial lending sources will be an essential step in surviving the working capital financing crisis.

Keywords: business loans,business finance,business financing,working capital,finance,business,lending,loans

Learn more about SpinDistribute Article Distribution System. We also offer a Pro Article Writing Service to everyone who needs premium quality well-researched articles.

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.