Small Business Financing Advice and Working Capital Help ...

Article by Stephen Bush

Small Business Financing Advice and Working Capital Help ? Computers

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The working capital finance industry has operated on a regional and local basis for many years. There has been a consolidation that has resulted in fewer effective commercial lenders which are capable of providing sound working capital financing in response to cost-cutting that has permeated many industries. This has happened in a relatively short period of time, and most business owners have been understandably confused about what this might mean for the future of their business financing efforts.

Obtaining accurate working capital advice is often difficult for small business owners. The rapidly-increasing number of economic and financial changes recently has further magnified the complexity of this challenge. There have been some unexpected and disappointing responses by business lenders to recent economic circumstances. The Working Capital Finance Journal is evaluating some of the commercial finance actions taken by business lenders as part of a straightforward effort to create a central clearinghouse of relevant information for business owners.

Small business owners should make a sincere effort to learn more about what is happening and what to do about it once they come to the realization that major changes are likely for business finance funding in the near future. Analyzing actions recently taken by business lenders should be a primary part of such an effort. The Working Capital Journal is one prominent example of a free public resource providing working capital help and facilitating a better understanding of the responses by business lenders to recent economic circumstances.

Because they have been excluded from obtaining any new business financing by many banks, some businesses such as restaurants are having an especially difficult time in surviving recently. The continuing effectiveness of merchant cash advance programs to obtain working capital quickly has been reported by The Working Capital Journal, and this is one of the few bright spots in recent business financing. This commercial financing approach should be actively considered for most businesses accepting credit cards. Merchant cash advance programs are effectively saving the day for many business owners after most banks have done a terrible job of providing working capital help and business loans in the midst of chaotic financial and economic conditions. Banks are not routinely providing sufficient small business financing help for restaurants and many other businesses. However, if a restaurant accepts credit cards in their business operations, they are likely to be able to obtain needed cash from merchant cash advances and credit card factoring.

Of course, for some time there have been ongoing complex problems for commercial borrowers to avoid when seeking commercial loans and working capital advice. Because even more uncertainties still appear to be present in the economy, this has produced a new set of business finance problems. It seems increasingly likely that prior standards for working capital finance and small business finance will continue to change rapidly and with very little advance warning from lenders.

About the Author

Stephen Bush and AEX Commercial Financing Group specialize in business financing services and commercial loans. Steve provides working capital financing advice and business financing help.

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Stephen Bush

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richard threlkeld