The Working Capital Guide
For most small business owners, the process of attempting to obtain working capital financing and commercial loans has begun to both look and feel like they are just rolling the dice without a clear possibility of accomplishing anything positive. While commercial borrowers might still turn to their banker for help with this situation, in an increasing number of instances banks are turning out to be the problem and not the solution. The Working Capital Guide provides an avenue for obtaining candid advice and exploring a number of practical solutions that could be helpful for small businesses currently in need of a "Plan B".
Small Business Lender Communications Strategies Offered by AEX Commercial Financing Group
Stephen Bush is the CEO/Founder of AEX Commercial Financing Group and is a working capital financing expert. He has written extensively for many years about business financing problems and how to find effective solutions. His latest series of special reports explain commercial lending and business finance problems in candid and concise terms. Two of these reports are entitled “Six Words Describing Working Capital Loans” and “Seven Words to Describe Business Cash Advances”. To learn more about his current advice, small business owners should contact Steve directly for a straightforward discussion.
If it becomes necessary to replace a bank, it should be realized in advance that based upon specialized small business finance criteria, only a few banks can pass the stringent tests to be viewed as a good bank. If a small business is currently using what is deemed to be a bad bank but still needs an ongoing banking relationship, a vital part of commercial bank consulting will be the identification of at least one good bank candidate. Even though many financial experts will debate whether there are any good banks left standing, the search for them must realistically continue.
The Federal Deposit Insurance Corporation could end up firing your banker for you if you don't do it first — recent FDIC reports indicate that there are over 800 banks on their list of "problem banks".
Candid advice about working capital financing
Small Business Finance Services
Business Cash Advance Services
by AEX Commercial Financing Group
Short-term Business Funding Programs —
Short-term working capital loans
Refinancing lines of credit
Credit card receivables financing
Business cash advance payoff
Long-term Business Funding Programs —
Commercial real estate financing
Refinancing business loans
SBA loans
A Short Update about Working Capital Financing:
It is unfortunately true that many commercial lenders have abruptly stopped all new small business financing services.
AEX Commercial Financing Group continues to be an effective source for commercial loans, working capital funding and merchant cash advances.
Because of widespread misunderstandings about the availability of small business loans, most business borrowers should have a candid discussion with a commercial finance expert such as AEX as soon as possible. Perhaps now more than ever, the practical problem-solving expertise of AEX should be considered by business owners refinancing business debt or obtaining new working capital financing.
- While commercial borrowers should benefit from straightforward commercial loan advice, our view is that such help is NOT readily available. AEX is devoting increased efforts to ensure that we will be able to assist as much as possible.
- Some of our best advice continues to be available for free on our website, and AEX has regularly received positive feedback such as this recent comment — "Loved your website. Plain, simple and to the point."
The Working Capital Loans Guide
- Merchant Cash Advance Services and Credit Card Processing Options
- Commercial Finance Lenders to Avoid
- Commercial Mortgage Loans - Why Banks Say No
- Business Financing Solutions - Business Loans Without Banks
- AEX Commercial Loans to Buy a Business Opportunity
- Overcoming Difficulties with Refinancing SBA Loans
- Small Business Cash Management and Commercial Funding
- Working Capital Strategies and Merchant Loans - 10 Problems to Avoid
Our website helps us describe new working capital financing issues, but AEX cannot publish all of our commercial finance advice and updates on the “front page”. To help solve this ongoing dilemma, we encourage small business owners to contact us directly for timely business finance help and advice.
The small business loan environment is changing almost daily and there is significant new information impacting most businesses. The following observations could easily have been originally overlooked by commercial borrowers —
Receivables Financing as a Replacement for Working Capital Loans from Banks — For any business that has substantial accounts receivable, the use of receivables factoring is likely to be on the short list of strategies to improve cash flow and obtain working capital quickly. Regardless of whether businesses have a sufficient volume of funds owed to them by customers to qualify for this kind of business financing, business borrowers should not ignore the increasing need to replace traditional banks as an ongoing source of commercial loans. The harsh reality for most small business owners is finding an effective source of working capital financing and other business finance options to replace bank financing that either has already disappeared or can reasonably be expected to within a few months. For many businesses, accounts receivable factoring might be the only commercial financing option that can be successfully arranged. While it is true that factoring should usually be viewed as “Plan B” for a business, it deserves serious consideration when “Plan A” is bank financing that is often not available in the current commercial lending environment.
Business Finance Options in Six Words — After hearing numerous reports about commercial lending difficulties, what small business owners might need most is a more concise explanation about these problems and the resulting impact on their commercial finance options. Our approach in this report is to describe current business financing options in six words. We have adopted a similar model in other small business finance reports such as “Seven Words to Describe Commercial Mortgage Loans” (see note below).
Commercial Real Estate Financing in Seven Words — “Borrowers need a healthy amount of skepticism” represents our first example of seven words describing commercial real estate loans. Even if a small business owner is in the enviable position of believing that they have no current commercial mortgage worries, this observation is still relevant. Business borrowers should be aggressively developing strategies for dealing with serious ongoing commercial banking problems because there are very few reliable signs indicating that commercial mortgage options are about to improve.
Business Cash Advances Described in Seven Words — “Credit card processing costs can be reduced” is our first observation. It is not unusual to hear a business owner express both surprise and disappointment when they learn how much they have been overpaying for their credit card processor. The use of business cash advance services is an excellent opportunity to reduce this cost. Leverage in obtaining the best possible terms for processing expenses is one of the benefits of working with established services for merchant cash advances.
The Working Capital Loans Guide
Avoiding Business Finance and Credit Card Processing Problems
Credit card processing and commercial finance funding strategies are closely connected in many ways that directly impact the bottom line of a business. Business owners should constantly assess the measurable working capital management improvements which will accrue to their business by successfully coordinating credit card processing and credit card receivables. Perhaps the single most important commercial financing goal for any business is to successfully meet day-to-day cash requirements. This can be an impossible task if working capital is not properly managed. Even the most successful businesses regularly need more financial resources than they can get via a traditional commercial loan. Effective use of credit card processing in conjunction with merchant cash advances is an increasingly critical business financing tool when a business is faced with a short-term cash shortfall. Business owners should be forewarned that there can be a substantial number of potential difficulties in coordinating credit card processing and credit card factoring. However, these potential problems are all avoidable in a prudent business cash advance program.
For more details — please contact Stephen Bush about this report or other AEX working capital financing reports.
Some thoughts about working capital loans and business cash advances from Stephen Bush, Founder and Chief Executive Officer for AEX Commercial Financing Group:
AEX has built a solid working capital financing reputation based upon candid advice for avoiding business cash advance and credit card processing problems. Our problem-oriented experience is important because working capital funding needs have become much more specialized. This AEX business finance site should be helpful to anyone needing more operating capital for their business, and we have recently added several reports which should prove to be
informative resources for most business owners:
- How to Avoid Fake Commercial Loan Articles
- An executive summary: Business Cash Advance and Working Capital Options
- Using Credit Card Processing to Improve Business Finance Funding
Because these involve commercial finance funding strategies that might be unfamiliar to some commercial borrowers, please contact us directly for our assessment of how your specific business situation could be impacted by these and other complex financing issues.
Working Capital Cash and Merchant Loans Executive Summary - Business Cash Advances
The Working Capital Financing Guide
The Working Capital Guide — candid and timely advice for small business financing services
Headlines from recent AEX Commercial Financing Group comments are shown below:
The Working Capital Management Puzzle
Refinancing Working Capital and Business Loans
What Went Wrong with Small Business Financing?
AEX Commercial Loans - Business Finance
The Commercial Loans and Commercial Mortgage Loans Guide - Commercial Mortgages
The Working Capital Management Guide
Commercial borrowers needing help with current working capital and business cash advance services should contact Stephen Bush (Founder and Chief Executive Officer - AEX Commercial Financing Group) for candid and personalized advice.
AEX small business consultation services
Small Business Financing Services - Working Capital Services - Business Cash Advance Services
Commercial financing and small business finance consulting services are provided throughout the United States.
The Working Capital Guide
