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SpinDistribute.com Article Directory

The following article was published in our article directory on December 29, 2009.
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Short Term Working Capital Financing

Article Category: Business

Author Name: Stephen Bush

For most business owners short-term working capital has become difficult to obtain. It might look like all is lost if small business owners are faced with a funding situation in which their bank cannot help. A business owner should waste no time in seeking effective new sources of business loan help if a banker is not capable of providing working capital.

There are at least five significant factors underlying the current difficulty for business borrowers attempting to obtain short term financing. All five factors are a direct result of the recent chaos seen throughout commercial lending nationwide, and three of them are described below.

First, commercial credit lines (especially unsecured ones) are rarely available anymore. This is occurring in many areas and in most cases is due primarily to a bank decision to eliminate this kind of business financing rather than the payment history of the business owner. In a typical situation, the bank reducing or eliminating a commercial line of credit will provide the business owner with a 30 to 90-day period to make new financing arrangements.

Second, most banks are now requiring more collateral for all forms of commercial financing. Providing additional collateral in a depressed economy is not feasible for most businesses because there are likely to be reduced valuations for commercial property and many other business assets.

Third, many regional and local banks are exiting all (or most) commercial lending activities. Whether they have publicly announced it or not, a significant number of banks operating nationally appear to have made a similar decision.

At least one of the three factors mentioned (or one of the two factors not discussed) has probably already impacted many small business owners. There are some positive developments which will help many businesses, recognizing that any business owner who has been or will be victimized by what could be viewed as unfair lending practices might not agree.

Although commercial banks have largely abandoned their previous commercial finance programs, new business lending options are rapidly emerging to fill the large void left by banks no longer active in this field. Flexible new funding programs for short term working capital are among the most promising alternatives.

Seeking the counsel of a business finance expert who will offer a candid assessment of the realistic prospects for a business seeking short-term working capital financing is a prudent decision because confusion can result for even the most experienced business owner. Small business owners should seriously consider the more effective options for small business financing and working capital.

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

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