Business lending has been the subject of much confusion recently, and it is appropriate for small business owners to wonder what is “normal” for commercial loans in this environment. An important part of the “new normal” is that many banks continue to state that they are still providing commercial financing programs when in reality they have reduced or eliminated their commercial lending programs. One of the most significant changes in the business finance lending environment is the dramatic reduction in the number of commercial lenders that are actively making small business loans. Read More »

The process of finding what happened with commercial lending is designed to help business owners avoid serious future problems with their working capital financing and commercial mortgages. For many commercial borrowers, this is not a hypothetical issue at all, especially if they need help currently with small business finance options. Business owners should be prepared for the banks and bankers who caused the recent financial chaos to say that nothing has gone wrong with commercial lending and merchant cash advances (and even if it did everything is back to normal). Read More »