The search by commercial borrowers for help in understanding business financing is likely to be an ongoing activity for some time to come. Banks have been the traditional source of small business loans for several decades, but this role seems to be growing to a close. For their routine business finance needs, businesses are not easily finding a bank solution. (more…)

A simple common sense solution will often be more effective than a complicated approach when businesses are faced with difficult financial circumstances. The critical importance for small business owners placing a high priority on “getting back to the basics” is exemplified by increasingly limited working capital funding options in the face of commercial banking problems.

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…)

Based on what has been seen and reported, it is reasonable to wonder if commercial banking has more big problems lurking in the wings. For the past year, most banks and lenders have been subject to both disastrous operating results and negative publicity. The commercial mortgage loans activity reported by most banks tells a different story than the portrayal as healthy and normal by bankers and politicians. (more…)