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The following article was published in our article directory on January 23, 2010.
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Business Financing and Working Capital Changes

Article Category: Finances

Author Name: Stephen Bush

The importance of using change management to help small business owners deal with business loan and working capital changes is likely to keep increasing. Commercial borrowers will probably be unsuccessful in arranging new business financing if they are not properly prepared for the complexity of recent changes as well as anticipated changes for securing commercial loans.

There have recently been a number of small business loan changes for commercial borrowers to cope with, and the situation does not seem to be improving. Rather than focus on the changes themselves in this article (we have published separate reports describing the five major changes that have occurred so far), in this discussion we will address strategies for dealing effectively with the working capital management and commercial financing changes.

The strategies described below should be helpful for most typical situations involving small business loans and working capital financing. It is essential for any small business owner to discuss their specific scenario with a business financing expert because even the most straightforward business finance circumstances can involve unexpected complications.

Reviewing the mix of business financing, working capital loans and commercial mortgages (this should include a cost assessment for credit card processing) and then evaluating whether it is feasible to reduce the current business debt levels is a worthy starting point for dealing with small business loan changes. Because banks made it easy to do so, both small businesses and individuals have often assumed more debt than necessary. Now that most banks have effectively made it very difficult to obtain commercial loans, it is both logical and prudent for small business owners to seriously analyze whether it is viable to reduce their dependence on bank financing.

A variation of contingency planning for their commercial finance needs is a strategy which might prove to be the most helpful for small business owners. In its simplest form, this involves formulating a detailed plan for what action to take when specified events occur. As one example, because many lenders are already eliminating or reducing existing unsecured lines of credit, it would only be prudent for commercial borrowers to anticipate that their current business lender might do the same and to plan in advance what to do if that does happen. In another example, many banks are not currently refinancing commercial mortgages under the same terms that they have previously. Contingency planning for business financing would prepare a small business owner for the possibility that their bank will not refinance existing business debt by evaluating alternative new commercial lending programs and sources to consider if and when that happens.

For either of the change management strategies noted above (as well as other options for dealing with small business finance changes), business borrowers should involve a small business loans and working capital management expert whenever possible. It is highly preferable that the small business finance expert selected be totally unaffiliated with any current commercial lending relationships for the business. The use of a small business financing expert is itself an effective change management strategy for coping with commercial financing and working capital loan changes.

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

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