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The following article was published in our article directory on July 26, 2010.
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Small Business Finance Analyzed in a Few Words

Article Category: Finances

Author Name: Stephen Bush

Many commercial borrowers are often surprised to find that small business finance options are more complex than they expected. Our concise descriptions are in no way meant to characterize small business financing and working capital management as either simple or straightforward. As you will hopefully see, the opposite case is being made by our analysis. Business loan processes have historically been overly complex and substantial improvements are still not evident as noted in a variety of earlier reports. It is essential for each small business owner to have a thorough understanding of all commercial finance details despite the often overwhelming complexity of business lending. By describing small business financing and working capital issues in six words, this report was intentionally designed to produce a concise overview of several common lending difficulties.

Our first observation in this report is "most commercial property values have dropped". There are very few exceptions. Commercial refinancing situations will probably produce the biggest business financing impact. Many banks are aggressively recalling (rescinding or revoking) existing commercial real estate loans and this literally forces a borrower to seek business refinancing from another lender even if a business owner has no interest in refinancing their commercial mortgage. With decreasing commercial real estate values, business refinancing will be a challenge for most small businesses.

Our second six-word observation in this article is "business financing will require aggressive action". Extreme measures such as firing their banker and finding alternative commercial funding sources for small business loans will need to be anticipated by small business owners in many cases. After recalling that bankers have not been overly candid about commercial lending problems in the past, nobody truly expects that they will publicly announce that they are in any kind of financial trouble. In a contrary viewpoint, banks seemingly maintain that they are lending normally to small businesses. When dealing with any commercial lender, commercial borrowers will need a healthy amount of skepticism.

Another six-word description of commercial financing is "business lines of credit are disappearing". This situation is especially serious if a business cannot replace bank financing when it suddenly disappears because even the most successful business needs a reliable source of working capital financing. Even if a business still has an adequate line of credit, it must be realized that on a widespread basis banks are reducing and eliminating business credit lines with almost no advance notice.

It is important for small businesses to realize that they are not alone when they hear their bank say no to routine requests for commercial financing, and our final example of six words describing business financing options is "bank commercial loans have limited availability". For any borrower who might doubt this observation or be unaware of this harsh reality, candid conversations with other business borrowers will help to remove any doubts. The failure of banks to provide an adequate level of small business loans on a widespread basis is the primary point that business owners should examine more closely.

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

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