With business financing options changing significantly during the past two years, it is appropriate to review what the “new normal” looks like so that small business owners will be prepared to cope with the challenges they now face with commercial lenders. Business borrowers are more likely to find commercial financing success by quickly accepting the fact that a “new normal” way of doing things has emerged.

Successfully managing or owning a small business can be incredibly challenging in any economy, but today’s market requires companies to be very competitive and constantly evolving to meet multiple challenges. Entrepreneurs often report that their most significant challenge involves cash flow and capital and many businesses that have never borrowed before are discovering the need for small business loans. One of the most common types of small business loans is a fixed rate and fixed repayment installment loan that either uses equipment or inventory as collateral or is unsecured.

A commercial loan modification is believed to be the solution to the problems of many owners of apartments, strip malls, warehouses, office buildings, industrial buildings and other similar properties who are discovering that vacancies are rising to record levels. The problem is that this trend is bound to remain for a long time because of the recession.

During the new depression, women have discovered their power and prowess in the business world. Similarly, recent college graduates cut-out of jobs in their specialties have found ways to cash-in on their own small businesses. In the economic meltdown, for every one man who has opened his own business, five women and two people under twenty-five have launched a new enterprise.

If your business is not listed with a public exchange (NYSE, NASDAQ, ect.), then your business’ financial condition is an utter mystery to your potential creditors. How are they supposed to know whether or not your company pays its bills on time? How will they know what kind of financial condition your business is in? Dunn & Bradstreet tries to illuminate this mystery, but the key word is TRIES.

Is the FFIEC sending mixed signals about the economy? Not really, they are just being prudent.

Recently president Obama signed a legislation that extended the SBA program when it ran out of money. There are several reasons why SBA Business Loans are so popular amongst people who borrow money for commercial reasons.

Commercial lending can be a great asset to small and large businesses alike. It is a way to finance and stabilize a business if they need a little help or a little capital behind them to get started.

Commercial real estate loans can be used to begin construction on your empire. They can be used when you have already established yourself as a success and need to add on more space to accommodate your growing clientele.

Recently, a legislation that received the US President’s approval has made things easier for small businesses as it extended the federal initiatives that increased the affordability of Small Business Administration loans. If you run a business, you know that there are times when you suddenly need money to pay employees, acquire assets, or meet overhead expenses. In such a case it may not be possible to go through the lengthy process of getting a loan from a lending institution that grants credit only after a lot of paperwork has been completed.