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Business Loans And Commercial Mortgages - A New Normal
It is only natural for a small business owner to want to know what the "normal" way to do something looks like,[link widoczny dla zalogowanych], whether they are talking about small business loans, commercial mortgages or working capital management. Unfortunately for most commercial borrowers,[link widoczny dla zalogowanych], their recent small business finance experiences have probably made it appear that there is no such thing as "normal" anymore. What appears to be the best that can be hoped for under difficult circumstances for commercial lending and commercial loans is that a "new normal" does exist for business borrowers.
When substantial changes occur as we have seen recently with small business loans, eventually those impacted will (hopefully) accept the fact that a "new normal" way of doing things has emerged. 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 in dealing with commercial lenders with options for commercial mortgages and commercial loans changing significantly during the past two years.
One of the most significant changes in the business financing landscape is the dramatic reduction in the number of commercial lenders that are actively making small business loans. Even though in reality most banks have reduced or eliminated their commercial loan services,[link widoczny dla zalogowanych], an important part of the "new normal" is that those same banks often continue to state that they are still providing small business financing. A recent report showed that commercial lending activity plunged by the biggest amount since records have been kept by government regulators. Because almost one out of every ten banks is close to collapsing (based on Federal Deposit Insurance Corporation reporting), this trend seems likely to get worse before it gets better.
Of course, not all banks are in trouble thanks to massive government bailouts over a year ago. The biggest banks were saved by taxpayer assistance and have seemingly returned to profitability. A healthy amount of skepticism by commercial borrowers is warranted when attempting to project future financial health for a bank by looking at recent banking profits. In many cases the largest banks have increased their speculative trading activities and banking fees which has in fact led to a short-term improvement in profits. Due to both regulatory changes as well as consumer backlash, it is not likely that these activities will continue to produce the same level of long-term profits.
For most business borrowers the "new normal" will involve a new bank or at least a new commercial lender (which might not be a bank at all) as a direct result of the continuing shortcomings of banks in providing an adequate amount of small business financing help as noted above. For business owners which have commercial real estate financing due to be refinanced within the next three years, planning ahead will be increasingly important to the success of their small business financing. Many banks are telling long-term business clients that they are no longer interested in providing either working capital loans or commercial mortgages. The timing is not likely to be as conducive to business loan refinancing if commercial borrowers wait until their bank decides to pull the plug on future commercial loans.
As noted above, when a new source of business financing is located, the commercial lender does not have to be a bank. Although banks would like their small business owner clients to think that only a bank like them can help commercial borrowers, this is truly a myth created by the banks themselves. For many essential commercial finance services such as commercial mortgages, numerous banks have indicated that they will no longer provide such financing anymore. For specialized business finance services such as working capital management, business consulting and business cash advances, banks only rarely provide a cost-effective and realistic option for commercial borrowers.
Automobile manufacturers such as Chrysler and General Motors have declared bankruptcy (and still might not be able to compete effectively in selling their products profitably), so banks will understandably not want to be compared to such recent problems. Nevertheless this particular comparison is more appropriate than ever before because (like the automobile industry) banks have failed to adapt to a changing business environment. Banks have also mistakenly acted like they have a monopoly on their services involving business loans and commercial mortgages. This practice has led to a number of abuses that include excessive fees, reduced loan amounts and arbitrarily rejected financing requests from commercial borrowers. The "new normal" for small business owners should increasingly reflect the growing realization that banks can be replaced when they stop providing an adequate level of service to their business customers. When small businesses exert their true power to actively [link widoczny dla zalogowanych]se who they do their commercial loans financing with,[link widoczny dla zalogowanych], business owners can effectively turn the tables on the banks which have mistreated them and establish a "new normal" for the bankers.
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