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The following article was published in our article directory on May 2, 2010.
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Reviewing New and Old Basics for Working Capital Management

Article Category: Finances

Author Name: Stephen Bush

One of the best current examples of why it is so important for small business owners to place a high priority on "getting back to the basics" is offered by increasingly limited working capital finance options. A simple common sense solution will often be more effective than a complicated approach when businesses are faced with difficult financial circumstances.

Working capital management is the science and art of short term business cash management, and improvements in this area should always be welcomed by commercial borrowers. Some common advice for many complicated problems is often a variation of "it is time to get back to the basics", and working capital management options represent an ongoing illustration of this wisdom for small businesses.

A potential cost reduction that should not be overlooked is looking at whether it is feasible to decrease overall bank financing. For almost all commercial finance services, many banks are increasing their fees. To avoid some of the inflated bank fees altogether, businesses should increasingly try to reduce their business debt levels. When this is not practical, the option of firing a current bank and replacing them with a new bank charging more reasonable fees will need to be seriously considered.

Another primary alternative for any business to explore in their efforts to deal with a mismatch of income and costs is business expense reduction, and credit card processing is always a significant cost to evaluate. It is appropriate to emphasize that this process should involve the close involvement of a commercial financing expert who is familiar with all aspects, especially since this is likely to involve some unfamiliar and potentially confusing aspects. This is frequently an expense area that is overlooked because the credit card processing provider was chosen for convenience or perhaps because they were recommended by a banking or other professional relationship. One of the most practical methods for reducing this cost is analyzing alternative providers in conjunction with obtaining a merchant cash advance. By combining efforts to obtain additional working capital (via a business cash advance) with a change of processing services, two cash flow benefits can be achieved by receiving commercial financing while simultaneously reducing a major cost.

Because of the recent ineffectiveness that prevails with commercial banking, small business finance options can no longer be taken for granted by any business owner. The entire process of reviewing "working capital financing basics" will help businesses conclude how other commercial finance options are likely to be more effective in resolving their predicament than a traditional bank solution of taking on more business debt to resolve financial problems. As small businesses will quickly realize when they review business loan and working capital management basics, during the past few years the most effective small business financing options sources have changed. Primarily because the active role that banks have traditionally played in providing both working capital loans as well other forms of commercial loans has been quietly stopped or significantly reduced, commercial borrowers might need to be alerted that there are both "new basics" and "old basics" for most business finance situations.

Keywords: working capital,working capital management,working capital loans,finance,business

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