Commercial Loan and Small Business Communications Articles
Help for Avoiding Small Business Finance and Business Communications Problems
Contents at a Glance
“What should I do if my bank says no?”
Small Business Loans - What to Do When Banks Say No
Commercial loan and business communications difficulties
I have also written a commercial financing article, "Why Do Some Banks Say Yes When They Mean No?" which describes how some lenders offer commercial loans with terms that they do not expect borrowers to accept. This unfortunate practice produces both confusion and delays for commercial borrowers.
Unfortunately banks are saying "NO" or saying "YES when they mean NO" much more often in the current financial climate (which is bordering on chaos in some locations). Commercial borrowers will need to be more prepared than ever when seeking to obtain new commercial financing. Much like statistics that show job-seekers should be prepared to hear "NO" 25 to 50 times or more before they hear "YES" when seeking a job interview, business owners should anticipate that they will encounter "NO" more often in almost all small business loan circumstances.
Unfortunately banks are saying "NO" or saying "YES when they mean NO" much more often in the current financial climate (which is bordering on chaos in some locations).

5 Reasons for Obtaining a Business Cash Advance using Credit Card Receivables
Why Merchant Cash Advance Programs are Being Used by More Small Business Owners
- 1A business cash advance based on credit card financing is one of the few viable options for reliably obtaining short-term business financing (this has proven especially true during recent months)
- 2Credit card receivables factoring is available to virtually any business that accepts credit cards in their business transactions (although home-based businesses have more limited access to this kind of commercial financing)
- 3There is no need for collateral
- 4Funds can be obtained very quickly
- 5There should not be any up-front loan fees or closing costs
- Unsecured lines of credit have all but disappeared for many commercial borrowers.
- Most banks are now requiring more collateral for business financing.
- Many regional and local banks are exiting all business lending activities.
Stated Income Business Loans
Reduced Availability of Stated Income Commercial Loans
A Stated Income business loan is quite different from a traditional commercial loan. Very few traditional banks use Stated Income (no tax returns and no income verification) for a commercial mortgage. Most commercial lenders will perform a thorough income verification as part of their underwriting process.
Business cash advance programs are one of the few remaining approaches to obtain working capital without a thorough business income verification process (although larger business cash advances will generally require financial statements and possibly tax returns).
Commercial Loan Resources and Specialized Small Business Communications Sites
Business Management and Business Loan Advice
Reports and articles addressing critical business finance issues such as business communications and SBA loan refinancing.
- Working Capital Help
- Strategies for working capital financing and commercial loans.
- Commercial Real Estate Loans
- A guide to strategies for commercial mortgages and commercial loans.
- Merchant Cash Advances
- A guide to working capital financing and commercial funding. Information about merchant cash advance programs and short-term working capital loans.
- What Went Wrong with Business Communications and Small Business Financing Options
- An overview of current problems with commercial lending and business communications. While lenders have indicated that business lending is proceeding at a normal pace, commercial credit lines have been increasingly reduced or revoked entirely and fewer business loans are being completed in most locations. As a result, business owners are confused by the mixed signals concerning the actual availability of small business financing. One discussion is designed to illustrate the feasibility of small business owners adopting some of the guerrilla loan tactics described to obtain essential commercial loans for their business. In the current harsh business lending climate, commercial borrowers will increasingly discover that they need to do whatever it takes for their business to survive.
- Twitter Updates for Business Financing
- Summary of small business finance comments by Stephen Bush on Twitter.
- Working Capital Management Widgets
- Several examples of useful working capital financing widgets.
Twitter Updates about Small Business Finance Options
Recent Working Capital and Business Loan Comments on Twitter
Twitter has become an exceptionally popular site for providing valuable data about a variety of topics, but such popularity always runs the risk of producing too much information. We have discovered that business financing widgets help in providing a useful tool to summarize the commercial finance comments that we place on Twitter. Of course one of the major attractions of communicating via Twitter is the abbreviated format. The widgets simply provide a useful tool for presenting updates in another equally concise format. Please see two especially relevant links above (near the bottom of the Commercial Loan Resources section):
(1) Twitter updates for business financing
(2) Working capital management widgets
Commercial Financing Help
The Working Capital Guide Highlights What is Happening and What to Do about It
The rapidly-changing commercial finance environment is likely to produce a series of new problems for business owners. To help address these evolving challenges, AEX Commercial Financing Group plans to play a prominent role in analyzing what is happening and what to do about it.Publicizing actions being taken by business lenders throughout the United States will contribute to at least two worthy goals:
(1) To highlight controversial bank-lender practices with a view toward eliminating or reducing questionable lending tactics.
(2) To help business owners prepare for many business finance funding changes.
We encourage commercial borrowers to contact us to obtain more information and to describe their own problem-lender stories so that we can share their experiences with as broad an audience as possible.
Firing Your Banker
Recognizing when it might be necessary to say "You're Fired" to your banker
For prudent commercial borrowers, firing your banker and your bank has become both a more acceptable and necessary solution when your business is not able to obtain sufficient business finance and working capital help.
Small Business Finance - Firing Your Commercial Banker
"You're Fired"
Business owners and commercial borrowers are now reluctantly admitting that banks are just not what they used to be. Just like many automobile manufacturers that are now a tarnished and shriveled version of what they once were, it seems like almost overnight most banks have lost our confidence. Candidly speaking, even if their commercial banker is their best friend, small business owners are increasingly realizing that they must look out for their own best interests because it is unlikely that their business banker is up to the task anymore.
If they are being truthful to themselves, most business owners will conclude that they should seek a new banker if keeping the old banker is holding the business back, either by bad advice or inadequate small business loans. This discussion is in no way meant to suggest that all banks are now bad or that all bankers are now bad. In today's complex economy, there are still good banks as well as bad banks. Similarly, there are also good bankers and bad bankers. The true nightmare scenario to confront for most commercial borrowers is when their current banking relationship involves a bad banker working for a bad bank.
We will leave the discussion of good banks and bad banks to another report. Overall we would conclude that if the current situation involves a bad bank and a not so bad banker, the most prudent outcome for a business owner is likely to be firing both the bank and the banker. Sometimes a good banker can be transformed into a bad banker simply by working for a bad bank.
Results are what count for any business, and business owners should not be reluctant to hold their banker accountable for producing inadequate results. For prudent commercial borrowers, firing your banker and your bank has become both a more acceptable and necessary solution when your business is not able to obtain sufficient business finance and working capital help.
Small Business Communications and Commercial Loans
Business Finance Consulting to Solve Small Business Loan Problems
Business finance consultants that can provide comprehensive advice about business communications and current lending difficulties will be helpful for most business owners, but such commercial financing experts are not always easy to find. Without adequate information about what should be done to obtain small business loans in these extreme circumstances, business borrowers are rightfully frustrated and confused. Because of this difficult business financing climate, effective commercial finance and working capital finance advice has become a rare and valuable commodity.
Some very helpful and effective business finance advice is available at no cost, and business owners should usually start any search for help by reviewing such free advice first. Two notable examples of sources available for free online are The Working Capital Journal and The Commercial Mortgages Guide. However, the normal complexity of small business loans combined with a chaotic commercial lending climate is likely to increase the necessity of individualized commercial finance consulting assistance from a commercial financing expert.
Commercial Loan Referral Fees
Small Business Consultant and Business Finance Referral Fee Program
The effective use of commercial finance consulting to produce successful financial results has become a practical and essential piece of the business financing process for small businesses. The AEX Commercial Referral Fee Program allows anyone to refer small business consulting and commercial loan opportunities and receive compensation upon completion of the project. AEX performs all of the necessary work with this program, so it is not necessary for a referring individual to have detailed knowledge of business or financial requirements (and a license is not required to receive referral fees from AEX). We do not require referring individuals to submit an application or other documentation for the prospective commercial borrower. In fact, one of our key policies is that we do not ask small businesses to submit any paperwork until we have determined that we are likely to be able to provide appropriate consulting help.
Do You Have Small Business Communications and Commercial Loan Questions?
If you are not already asking questions about your current business financing and communications strategies, you should resolve to start!
After the 2008-2009 financial bailout, are banks still failing? Are there really any good banks still operating?
Based on events which have occurred recently, "Yes" is an appropriate answer to both questions. For innocent bystanders (most of us), recognizing the difference between bad banks and good banks is not an easy task. Most small business owners attempting to obtain commercial loans would agree that there is still a business lending crisis that was not resolved by the bailout. As one key objective indicator, there continue to be ongoing weekly reports from the Federal Deposit Insurance Corporation about bank failures.
Some More Questions to Ask
- 1Is my bank a good bank or a bad bank?
- 2Should I fire my banker?
- 3Is working capital or commercial real estate financing available anywhere for my business?

Recent Commercial Loan Articles by Stephen Bush
Small Business Financing and Business Communications Management Options
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Shipra00
Jan 21, 2012 @ 5:22 am | delete
- Nowadays banks generally say NO for lending and in such situation your post can guide them well to get finance for their business.I really appreciate your information.
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Dec 9, 2011 @ 5:01 am | delete
- Thanks. Very useful and informative post.
Highly recommended.
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inhousefinancing
Nov 29, 2011 @ 10:08 pm | delete
- I really enjoyed your lens Stephen. You and I have corresponded in the past. I found your knowledge in this industry to be exceptional. I will be in contact with you soon to happily refer business clients for commercial funding. I will continue to read your lens and refer my friends and associates to your page for the latest in commercial lending and the impact it is having especially in this economy.
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jasonhornung
Nov 2, 2011 @ 2:30 pm | delete
- I completely agree with your suggestion for questions to ask a commercial lender. Great lens!
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TIRMassageStone
Jun 27, 2011 @ 3:32 pm | delete
- Thanks for the useful (and free) information, well done.
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Stephen Bush has served as a commercial loan advisor for over 25 years. Steve is the CEO and Founder of AEX Commercial Financing Group. He provides small... more »
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