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The following article was published in our article directory on January 4, 2010.
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New Directions for Working Capital Financing

Article Category: Finances

Author Name: Stephen Bush

Small business financing is heading in a new direction. The journey for small business loans is likely to have all the adventure and uncertainties experienced by a wagon train over a century ago. Regardless of whether they were led by an expert wagon-master, both history and the movies have demonstrated that wagon trains commonly experienced serious obstacles along the way to their destination. Results for commercial borrowers will be confusing, uncertain and painful at times based upon what we are observing with commercial financing. Small business owners should probably expect challenges along the way to better results, particularly with the help of small business loan experts.

The fact that banks and other commercial lenders have changed so dramatically in a very short period of time is one of the key factors impacting the new directions for business financing. For the most part, these charges will probably be permanent. Numerous banks have reduced or stopped their small business loan activities, and some commercial lenders have gone out of business altogether. This has particularly occurred for special-purpose commercial financing such as funeral home financing. While their actions suggest otherwise, many banks have announced that they are lending normally. Business lines of credit and non-collateralized commercial loans are being phased out by many banks. Multiple reports of banks telling business owners that they have only a few weeks for refinancing their current loans elsewhere have been all too common. Any new directions for borrowers are not voluntary or optional with these examples of current bank lending practices. Business owners might find themselves without reliable business loan and working capital financing if they do not quickly move in a new direction for their business financing.

The choices when seeking new directions will be more limited for businesses needing help with specialized business financing such as funeral home mortgages and golf course financing. Small business financing was already difficult in most instances for special-purpose commercial real estate. The urgency of finding new commercial finance sources might turn out to be advantageous for the owners of funeral homes and golf courses. Commercial borrowers have typically not been looking for new commercial finance sources unless a new lender was needed. A surprising number of business borrowers are finding better commercial loan terms than they previously had now that many golf course and funeral home owners (as well as many other business owners) have literally been forced to find new sources for their commercial mortgages.

Because commercial lending is extremely competitive, new lenders have emerged to replace the old ones. The banking industry is beginning to resemble other aging industries such as automobile manufacturers as working capital financing moves in a new direction. Although the similarities to automobile manufacturers are surely not welcomed by bankers, small business owners might now find that their working capital financing and commercial financing choices have improved.

Keywords: small business financing,working capital financing,commercial financing,finance,business,lending

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