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SpinDistribute.com Article Directory

The following article was published in our article directory on December 31, 2009.
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Refinancing Business Debt

Article Category: Finances

Author Name: Stephen Bush

Refinancing working capital loans and commercial mortgages is a good illustration of why small business owners have increasingly been forced to consider new commercial financing alternatives. Even though refinancing commercial mortgage loans and working capital loans is doable, small business owners should be prepared to face some unusual difficulties.

For small businesses trying to deal with reduced cash flow and sales, the process of small business loan refinancing has become much more relevant. In some situations business owners are being forced to refinance existing loans by current lenders, and in other cases they are attempting to secure additional cash. With both short-term business funding and long-term commercial real estate loans, refinancing difficulties are currently occurring.

There are some business finance circumstances that will be harder to refinance. SBA financing and business opportunity loans are two scenarios that are especially difficult to refinance. The need to replace existing business lines of credit with new financing arrangements is now emerging as equally difficult.

The need to revise commercial real estate financing in which commercial property serves as collateral is a more traditional example of refinancing. Because many banks have decided to stop making commercial loans, some borrowers will need to refinance simply to replace their existing commercial mortgage. Due to a slow economic pace, a number of small business owners are exploring the possibility of refinancing in order to get cash from existing equity to support their business financing needs. In either case, business borrowers are increasingly discovering that commercial refinancing is not as straightforward as it might have been in the past. In particular, there are two problem areas that will often be hard to overcome.

One factor proving to be a refinancing obstacle is business valuation. Declining sales levels lead to reduced commercial property values because commercial appraisals often derive business value from the income approach. A second key problem impacting business loan refinancing is the lack of recent business profits. Many merchants are showing losses on recent tax returns and financial statements because of financial fluctuations. Because lenders look at cash flow to see if it is sufficient to cover debt payments, recent losses are likely to be a significant difficulty when attempting to refinance commercial mortgages and other commercial loans.

Whatever the specific financing situation for a small business, commercial borrowers should be better prepared if they approach the process with a realization that there might not be the usual obvious solutions to refinancing business loans. It is likely that most businesses will need to evaluate and consider both new commercial lending sources and new business financing programs before the end of their current efforts to refinance business debt.

Keywords: business refinancing,commercial refinancing,refinancing business debt,finance,loan,small business

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