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tods5eshoes · Wysłany: Śro 9:12, 16 Mar 2011 Temat postu: nike shop online 2752

Business Financing Options To Replace Vanishing Lines Of Credit
In a situation that is similar to the sudden elimination of familiar car brands like Saturn and Pontiac by auto manufacturers, banks have begun the process of quickly eliminating many familiar small business finance services such as commercial lines of credit. As a result,[link widoczny dla zalogowanych], small business owners need to explore working capital management options for replacing business lines of credit that have all but disappeared from the current small business financing choices provided by their existing bank.
It should be apparent to any business owner trying to get working capital management help from their bank that most banks are now only rarely providing such business financing, although few banks are publicizing the fact that they are no longer providing unsecured business credit lines. The elimination of commercial credit lines should come as no surprise to most since there has been a drastic reduction in all forms of business financing. Perhaps because business lines of credit are unsecured commercial loans, working capital management options do appear to be suffering from even greater cutbacks by banks. This means that in the event of a loan default, commercial lines of credit do not provide the bank with an asset that they can seize.
In an obvious sign that they are eliminating unsecured working capital loans from their small business financing options, many banks have notified even their most creditworthy commercial borrowers that they have a period as short as twenty to thirty days to payoff an existing business line of credit. This approach is routinely being taken for profitable businesses that have a long and positive payment history with their current bank.
It should be helpful to review recent financial reports that describe record trading profits in an effort to determine why banks are turning their backs on what would appear to be their best customers. In most cases,[link widoczny dla zalogowanych], banks are legally engaging in financial activities that most prudent observers would describe as speculative short term trading. While the goal of making a profit is worthy for any business, it must be questioned whether banks should continue to run the risk of speculative trading losses. When banks took an equally risky position with residential loans,[link widoczny dla zalogowanych], the bank trading activities took the economy to the brink of disaster when the housing industry imploded. With the possible exception of bankers hoping for large bonuses, the determination by banks to trade their way out of earlier losses by adopting a similar lack of attention to potential risks is surely not a confidence builder,[link widoczny dla zalogowanych], particularly when it is recognized that most of the recent financial choices made by banks were both highly unprofitable and extremely risky.
Closing the doors for business lines of credit has certainly not been the case for all banks. Likewise there are in fact a few good banks still making commercial loans in a normal fashion. To borrow a popular phrase, bankers have often displayed a group-think mentality suggesting that the handwriting is on the wall in terms of less commercial lending activities as we move forward.
Our earlier reports adopted a strong voice suggesting that small business owners needed to be alert for malpractice possibilities with commercial real estate financing and small business financing well before it was a popular position to take. With a similar level of concern, we have been advising commercial borrowers of the growing uncertainties in relying on banks for their working capital management needs.
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