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A primary emphasis in this discussion about “getting back to basics” for commercial real estate loans is the need for small business owners to be prepared for an extremely difficult commercial lending environment. For any small business, the process of obtaining commercial real estate loans cannot be taken for granted due to the ongoing ineffectiveness of bank financing. Small business borrowers are increasingly likely to have less resources and leverage than large corporations when negotiating with any bank. (more…)

When businesses are faced with difficult financial circumstances, a simple common sense solution will often be more effective than a more complicated approach. Increasingly limited working capital options represent one of the best current examples of why it is so important for small business owners to place a high priority on “getting back to the basics”.

The entire process of reviewing “working capital basics” will help businesses conclude how other commercial finance options are likely to be more effective in resolving their predicament than a traditional bank solution of taking on more business debt to resolve financial problems. (more…)

For any small business owner trying to keep their operation afloat, accounts receivable financing should be thoroughly evaluated as a practical strategy to replace conventional bank business loans. One of the biggest mistakes in this process is a tendency for borrowers to eliminate effective options because they appear to be too complicated or costly. Because there will not always be be a simple or cheap solution to the commercial finance difficulties for a business, it will usually be prudent to keep all workable options on the table. (more…)

It is only reasonable to determine if more big problems are lurking in the wings for commercial banking. For the past year, most banks and lenders have been subject to both disastrous operating results and negative publicity. The commercial mortgages activity reported by most banks tells a different story than the portrayal as healthy and normal by bankers and politicians. (more…)