Commercial,Finance,Funding,Hel finance, share, loan Commercial Finance Funding Help and Working Capital Advice

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The rapidly-changing environment for business finance funding is likely to produce a series of new problems for business owners. There have been some unexpected and disappointing responses by business lenders to recent economic circumstances. The Working Capital Journal is a regularly-updated information resource for commercial borrowers to review in their attempt to keep up with the increasing challenges confronting them in seeking commercial financing. Some of the most important recent findings are noted below.For many years, the working capital finance industry has operated primarily on a local and regional basis. In response to cost-cutting that has permeated many industries, there has been a consolidation that has resulted in fewer effective commercial lenders throughout the United States. 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 commercial financing efforts.Of course, for some time there have been ongoing complex problems for commercial borrowers to avoid when seeking commercial loans. But what has produced a new set of business finance funding problems is that we appear to be entering a period which will be characterized by even more uncertainties in the economy. With little advance notice by lenders, previous standards and rules for working capital finance and commercial financing are likely to increasingly change.Business owners should make an extended effort to understand what is happening and what to do about it due to this realization that substantial changes are likely throughout the United States in the near future for commercial finance funding. At the forefront of these efforts should be a review of what actions commercial lenders have already taken in recent months. The Working Capital Journal is one prominent example of a free public resource that will facilitate a better understanding of the responses by business lenders to recent economic circumstances.By publicizing actions taken by commercial lenders, this will contribute to these two goals, both of which are likely to be helpful to typical business owners: (1) To assist in eliminating or reducing questionable lending practices by highlighting controversial lending tactics. (2) To help business owners prepare for commercial finance funding changes. To assist in this effort, sources such as The Working Capital Journal are encouraging business owners to report and describe their own experiences so that they can be shared with a broader audience that might benefit from the information. Some of the most significant commercial financing changes reported so far by commercial borrowers involve working capital loans, commercial construction financing and credit card financing. A notable situation of concern is that predatory lending practices by credit card issuers have been reported by many business owners. Some specific businesses such as restaurants are having an especially difficult time in surviving recently because they have been excluded from obtaining any new business financing by many banks.One of the few recent bright spots in business finance funding, as noted in The Working Capital Journal, has been the continuing ability of business owners to obtain working capital quickly by business cash advance programs. For most businesses accepting credit cards, this commercial financing approach should be actively considered. Because most banks appear to be doing a terrible job of providing commercial loans and other working capital finance funding in the midst of recent economic and financial uncertainties, business cash advances are literally saving the day for many small business owners. For example, as noted above, restaurants are virtually unable to currently obtain commercial finance funding from most banks. 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. Article Tags: Commercial Finance Funding, Business Finance Funding, Working Capital Journal, Working Capital Finance, Commercial Finance, Finance Funding, Working Capital, Business Finance, Business Owners, Recent Economic, Capital Journal, Commercial Borrowers, Commercial Financing, Capital Finance, Commercial Lenders, Credit Card