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The following article was published in our article directory on March 21, 2010.
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Anticipating Bank Problems with Small Business Financing Options

Article Category: Finances

Author Name: Stephen Bush

It seems that business financing is already the next big problem for many banks based on recent business lending statistics. The general decline in commercial real estate values during the past several years is a major factor in this conclusion. This has resulted in some significant bankruptcies when many large commercial property owners were unable to either make their commercial mortgage payments or refinance debt (or both). While these difficulties were predominantly happening with large real estate companies and did not regularly involve small businesses, the resulting bank losses are clearly having an impact now on commercial lending to small business owners.

For the past year, most banks and lenders have been subject to both disastrous operating results and negative publicity. Actual business banking activity reported by banks conflicts with the usual attempt by politicians and bankers to portray banks as normal and healthy. While the banks have worked hard to solve their massive problems involving residential loans, the financial results have been questionable. It is reasonable to ask if commercial banking has more potential disasters about to emerge based on what has been seen and reported so far.

Much like the residential mortgage toxic assets caused banks to stop normal lending because of a shortage of capital, commercial banking losses on large commercial real estate loans are already causing many banks to stop or reduce their small business finance activities. A ripple effect from the large commercial real estate losses has resulted in the effective disappearance of small business funding. Small business owners are being penalized when banks are unable or unwilling to provide normal levels of commercial finance funding to them because of losses involving larger commercial property companies. This bad situation is made even worse when we learn that many banks are hoarding cash and approving fewer commercial loans to allow them to quickly pay bailout funds back to the federal government. The primary logic for this approach is that it will allow banks to resume excessive bonuses and compensation to their executives.

To best ensure that they obtain adequate business loans for their business in the face of serious banking problems, a healthy amount of caution and skepticism is in order for commercial borrowers. Even if they do nothing else, business owners should have a straightforward conversation with a commercial finance expert to assess how exposed their business might be to the brewing commercial banking problems. If recent events are any indication, the banks themselves will not be very forthcoming about problems with their commercial lending practices.

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

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