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The following article was published in our article directory on January 3, 2010.
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Small Business Financing and Guerrilla Loan Tactics

Article Category: Finances

Author Name: Stephen Bush

This report is meant to be a short survival guide for those business owners who are interested in obtaining small business loans. The necessity of resorting to guerrilla loan tactics has been accelerated by the decreased performance of commercial banks in providing effective small business finance programs. Although the suggested actions in this article might be seen as a last resort to be undertaken only when all else fails, in reality these suggestions should probably be considered by most commercial borrowers in the early stages of their commercial financing search due to the growing failure of banks to provide a normal level of business funding.

Hiring a Business Finance Consultant as the First Strategy

To be quite frank, the commercial lending climate that we are facing today is hard on inexperienced borrowers, especially when they are faced with the more complex small business finance problems that are available and with banks that are often not working as they should for them. Business owners can overcome a sizable gap in information and knowledge by working with an expert professional in business consulting and commercial finance. Experienced business consultants can offer pragmatic solutions to overcoming small business loan problems that most commercial borrowers would prefer did not exist. Business finance consultants do charge a fee for their services, but the business owner will benefit greatly from this investment by avoiding financial messes that could happen if professional guidance is not utilized.

Determine Whether Your Bank is a Good Bank or a Bad Bank

From a small business owner's perspective, you can best evaluate a bank by its willingness to provide the commercial financing you need. Even though banks worldwide have been proclaiming that they are functioning financially at a normal level, there actually are various reports that tell a different story. Business finance consultants with experience can be a valuable resource because they know which lending establishments actively make commercial mortgage and capital loans available. If a certain bank is in fact not offering the customary commercial loans, it most likely is because they lack the resources to do so. Although the bank might think that the bad bank label is unfair, we think that results are what really matters. On the only scorecard that matters to most commercial borrowers, the small number of good banks will gradually become obvious based on their healthy business lending habits. Business owners would benefit from some professional guidance to locate these few remaining reliable finance organizations.

Get Ready to Fire Your Bank and Your Banker

For small business owners, the idea of firing their banker has perhaps not occurred to them yet. It may feel comforting to assume the bank actually cares how one's business is doing. Even when there is a close relationship with a commercial banker, in the current banking climate a guerrilla business loan perspective may be appropriate for small business owners who must look out for their best interests. One big red flag that signals that a change in bankers is necessary is when the commercial borrower finds that the banker is often unable to produce the results that had been previously discussed or offered.

Merchant Cash Advance Programs for Working Capital Financing

For small businesses to survive in an erratic economy, the use of guerrilla loan tactics means that some small business finance options which borrowers previously ruled out because they were considered too complicated (or too expensive) might deserve a second look. A merchant cash advance program (or what is also known as credit card receivables factoring and business cash advances) is a prime demonstration of a commercial financing strategy that has often been overlooked by many business owners and not taken full advantage of when it comes to securing additional working capital for their business. Utilizing credit cards to obtain working capital financing has become more attractive for the typical small business owner who requires additional cash for daily operations as business lines of credit have suddenly been reduced and commercial lenders have upped their collateral requirements.

Additional Guerrilla Financing Tactics for a Small Business Survival Guide

This brief discussion was intended to illustrate the importance for small business owners doing whatever it takes to survive in a tough business climate. Not only are there a number of guerrilla financing options available, but there are also a number of other important small business loan and working capital management options that should be looked at by commercial borrowers before actually signing on the dotted line for commercial real estate financing or any other commercial loan.

Keywords: small business finance,small business loans,working capital,finance,business,loan,mortgage

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