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Articles by Stephen Bush

• Six Words Describing Working Capital Options
  This report provides a concise explanation of short-term small business financing and cash management issues with a simplified approach by describing working capital management options in six words.
  Published 08May2010, viewed 630 times

• Seven Words to Describe Merchant Cash Advances
  Merchant cash advances are one of the most effective working capital financing options but are frequently viewed as too complicated by small business owners. Here are several candid explanations in seven words to help provide a better understanding of business cash advance programs.
  Published 26Apr2010, viewed 1550 times

• Commercial Mortgage Options Described in Seven Words
  By providing several descriptions of commercial mortgage options in seven words, this article supplies small business owners with a concise and candid explanation of current commercial lending problems.
  Published 19Apr2010, viewed 329 times

• Six Words Describing Business Financing Options
  This article provides a more simplified approach to a discussion of business financing options. By describing small business loans and commercial lending problems in six words, this report is designed to facilitate a concise understanding of several complex commercial finance issues.
  Published 13Apr2010, viewed 3287 times

• Small Business Owners Might Need a Business Financing Expert
  The use of a small business financing expert might help business owners to be more effective in obtaining reliable working capital management advice and reviewing their practical commercial financing options.
  Published 07Apr2010, viewed 3098 times

• Business Cash Advances and Credit Card Processing Basics
  Small business owners should review the basics for business cash advances and credit card processing in order to better understand their working capital financing options.
  Published 01Apr2010, viewed 271 times

• Small Business Finance Options to Replace Bank Financing
  When bank financing is not routinely available to small business owners, it will be necessary for commercial borrowers to explore business finance options to replace business loans from banks.
  Published 29Mar2010, viewed 745 times

• Business Consulting Tools
  New and more effective business management tools are needed by many businesses. Some of the most useful options include business consulting and contingency planning.
  Published 26Mar2010, viewed 275 times

• Small Business Basics for Commercial Mortgages
  Effective small business financing for commercial mortgages is becoming harder to find. Some basic old and new guidelines are described in a candid overview of what small business owners need to know before proceeding with their efforts to obtain commercial real estate loans.
  Published 16Mar2010, viewed 394 times

• Receivables Factoring for Small Business Financing
  The use of accounts receivable factoring to obtain immediate working capital is often misunderstood by small business owners. This practical approach to improving cash flow is an important option to consider as a potential replacement for traditional bank financing.
  Published 15Mar2010, viewed 1207 times

• Working Capital Financing Goes into Intensive Care
  The concept of intensive care being needed for working capital financing is meant to reflect the increasing difficulty that most small business owners are experiencing when attempting to obtain commercial loans from banks. While the business financing patient (commercial borrowers) might be in serious condition, appropriate specialists can frequently help in restoring financial health.
  Published 10Mar2010, viewed 825 times

• Business Financing Produces a Bumpy Ride for Small Businesses
  This article discusses some business financing obstacles that should be anticipated by small business owners. Commercial borrowers will often have a long and bumpy ride before they obtain working capital financing and commercial loans in the current chaotic commercial lending environment.
  Published 18Mar2010, viewed 450 times

• Small Business Basics for Working Capital Loans
  Business finance options for working capital financing have changed quickly and dramatically. As a result, working capital loans represent a fundamental example of how it is periodically prudent for small business owners to get back to the basics.
  Published 11Mar2010, viewed 416 times

• How to Obtain Small Business Financing When Banks Say No
  This article provides some realistic small business financing options for commercial borrowers to consider if their bank cannot help. What to do if their bank says no to a request for commercial loans and working capital is on a growing list of problems that small businesses cannot ignore in the face of commercial banking difficulties.
  Published 06Mar2010, viewed 943 times

• Solutions for the Commercial Loans Puzzle
  Using a commercial loans puzzle analogy, this article describes practical business financing solutions available to business owners. The recent challenges seen with commercial lending probably resemble a working capital management puzzle in which the level of difficulty keeps changing.
  Published 03Mar2010, viewed 577 times

• Small Business Finance Survival Guide
  An initial outline for a small business survival guide is provided for commercial borrowers. To avoid serious problems and survive the business financing crisis, small business owners must evaluate their realistic commercial finance alternatives.
  Published 01Mar2010, viewed 2003 times

• Business Loans and Commercial Mortgages - A New Normal
  With changing options for small business loans, business owners should review the new normal for small business financing choices to be properly prepared for challenges with commercial lenders when arranging commercial loans and commercial mortgages. One of the most significant business finance changes is the reduced number of business lenders actively providing commercial finance services.
  Published 26Feb2010, viewed 574 times

• How to Reduce Small Business Debt and Commercial Bank Financing
  The possibility of reducing business debt and bank financing is being considered more actively by small business owners because of the growing shortfall in commercial banking activity for smaller businesses. Such commercial debt reductions can take the form of finding new business lenders as well as permanently reducing business debt.
  Published 07Feb2010, viewed 587 times

• Working Capital Management Options for Disappearing Credit Lines
  Working capital management options are increasingly needed by small business owners to replace commercial lines of credit being eliminated by many banks. Any commercial borrower in need of additional working capital should evaluate how this will impact their business financing choices.
  Published 02Feb2010, viewed 614 times

• Commercial Lending Changes Hurt Small Business Financing Options
  Commercial lending changes have reduced and damaged small business financing options on a widespread basis. Because most changes instituted by business lenders appear to be permanent in nature, small business owners need to evaluate the impact on working capital financing and small business finance programs.
  Published 28Jan2010, viewed 640 times

• Working Capital Loan Success Improves with Realistic Options
  As emphasized in this article, it is becoming increasingly critical for small business owners to first determine their effective working capital management options when making business financing decisions. This task is likely to be much more difficult than most business borrowers expect because of recent volatility in financial markets.
  Published 25Jan2010, viewed 723 times

• Business Financing Suffers Due to Mixed Signals from Lenders
  Small business owners are increasingly confused by the mixed signals concerning the actual availability of small business financing. Many banks are cutting or canceling business credit lines, refusing to refinance commercial real estate financing and declining new requests for commercial loans. In contrast to such lending activity reductions, it is common to hear lenders announce that they are lending normally to businesses.
  Published 19Jan2010, viewed 579 times

• Guerrilla Loan Tactics for Small Business Finance
  It is increasingly likely that small business owners will need to resort to aggressive use of guerrilla loan tactics when seeking appropriate small business finance funding. In the current commercial lending climate, business borrowers should not hesitate to do whatever it takes for their business to survive.
  Published 26May2009, viewed 475 times

• Funeral Home Loans and Golf Course Financing
  Small business finance programs for specialized commercial properties have become rare commodities as a result of more restrictive commercial lending conditions. This is especially true for golf course financing and funeral home loans.
  Published 03Jun2009, viewed 573 times

• Business Finance Consulting - Finding the Good Banks
  The banking world has been turned upside-down during the past few months. When looking for reliable commercial loan sources, it is now increasingly important for small business owners to recognize the differences between "good banks" and "bad banks". Because this will not be an easy process for most commercial borrowers, the use of business finance consulting can be helpful.
  Published 07Jun2009, viewed 417 times

• SBA Loans and Commercial Loans - Firing Your Banker
  Firing their commercial banker is increasingly necessary to help small business owners move forward with a sound plan for their SBA loans and working capital financing. Failure to fire an ineffective banker in a timely manner can impair the future financial health of businesses currently receiving bad advice and inadequate commercial loans from their current lender.
  Published 24May2009, viewed 405 times

• Working Capital Finance and Business Finance Consulting
  Small business owners are likely to need working capital finance and business finance consulting help to resolve complications that have developed during the current financial crisis. While commercial borrowers increasingly need effective commercial financing advice, such help is not always readily available.
  Published 15May2009, viewed 731 times

• Business Finance and Working Capital Financing Changes
  One of the most critical trends effecting small business finance programs and working capital loans has been the extent to which changes have occurred recently. The multiple and rapid changes now being experienced with commercial loans are likely to result in confusion for most commercial borrowers.
  Published 30Apr2009, viewed 514 times

• Small Business Loans and Working Capital Special Reports
  With recent complications in obtaining small business loans, the use of a wider array of commercial finance resources has become an increasingly prudent tactic for business owners. Finding the most useful and effective resources can be a daunting task, and this article provides some practical illustrations for facilitating the process.
  Published 17Apr2009, viewed 891 times

• Misinformation and Confusion about Business Cash Advances
  The true availability of small business loans has recently been distorted by excessive misleading information. The current chaos in commercial lending has resulted in confusion and misunderstandings about difficulties in obtaining commercial mortgage loans and business cash advances.
  Published 08Apr2009, viewed 466 times

• Small Business Loans and the Bottom of the Ocean
  Banks providing commercial mortgages and small business loans have fallen rapidly in the public eye because of recent changes in their business finance activities. This article discusses the resulting problems and possible solutions for commercial borrowers seeking either working capital financing or commercial loans.
  Published 02Apr2009, viewed 575 times

• Business Finance Funding and Avoiding Dead Banks Walking
  Identifying and avoiding dead banks walking and zombie banks in business finance funding is increasingly important for all commercial borrowers. These terms are used to describe banks which have effectively already gone broke. By dealing with a so-called zombie bank, business owners might be wasting their time as well as endangering the future financial health of their business investment.
  Published 24Mar2009, viewed 760 times

• Commercial Loans - Are We All in This Together?
  In the current troubled climate for commercial loans and working capital loans, a spirit of "We're all in this together" would be appropriate for commercial lenders and business owners. Instead it appears that this approach is sorely missing, as indicated by several examples in the article.
  Published 15Mar2009, viewed 585 times

• Business Finance Funding Advice and Commercial Financing Help
  It is often difficult for small business owners to obtain accurate commercial financing information. The rapidly-increasing number of economic and financial changes recently has further magnified the complexity of this challenge. As one attempt to provide a central source of information for commercial borrowers, The Working Capital Journal is publicizing some of the business finance funding actions taken by commercial lenders.
  Published 06Mar2009, viewed 712 times

• Working Capital Loans and Business Finance Funding
  As recently discussed in The Working Capital Journal, only a few commercial banks are currently offering traditional working capital loans. Small businesses needing this kind of commercial finance funding will increasingly need to consider other options for commercial loans.
  Published 27Feb2009, viewed 521 times

• Credit Card Financing and Working Capital Funding
  In a commercial financing context, credit card financing usually refers to business cash advances in which working capital is obtained by business owners based upon future credit card processing activity. In this article we will use the term in discussing the growing use of personal credit cards by small business owners to obtain operating cash for their business.
  Published 18Feb2009, viewed 678 times

• Construction Loans and Commercial Loans
  The availability of business finance funding has been generally decreasing during recent economic turmoil, and this situation is especially evident for construction financing and commercial mortgages. The commercial loan issues described in this article are applicable to construction loan financing for commercial property throughout the United States.
  Published 08Feb2009, viewed 500 times

• Commercial Loans and Plan B Contingency Financing
  It is prudent to have a contingency plan when attempting to obtain commercial loans and business cash advances. Having a Plan B for commercial financing and working capital funding will avoid many serious problems.
  Published 24Jul2008, viewed 750 times

• Commercial Loans and Short-Term Working Capital Management
  There are two short-term working capital financing options which are often overlooked by business owners. These involve business cash advances and short-term commercial mortgages.
  Published 11Jul2008, viewed 2684 times

• Commercial Loans and Working Capital Lenders to Avoid
  One of the most serious working capital financing scenarios is a lender that causes difficulties for their small business commercial borrowers on a regular basis. It is specifically this kind of commercial lender which informed commercial borrowers should be prepared to avoid unless realistic alternative options for commercial loans and commercial mortgages are totally impractical.
  Published 30Jun2008, viewed 579 times

• Working Capital Loans and Small Business Cash Advance Strategies
  Working capital solutions and credit card processing are more connected than most business owners realize, and changes to either are likely to have measurable impacts on business profitability. The business finance benefits will be especially noticeable if several typical small business cash advance difficulties can be avoided.
  Published 20Jun2008, viewed 503 times

• Thinking Outside the Bank - Business Loans and Working Capital
  Business borrowers have more commercial mortgage and business loan alternatives than they realize. We can refer to these commercial loan alternatives as "Thinking Outside the Bank" because a typical commercial borrower probably believes that a bank is the best source for a commercial real estate loan and business financing.
  Published 06Jun2008, viewed 639 times

• Commercial Loans and Small Business Financing - What to Avoid
  The worst case scenario for commercial borrowers seeking small business loans and commercial real estate loans is a situation that can be avoided. The focus of this article is on five avoidable situations involving commercial loans and working capital financing.
  Published 25May2008, viewed 681 times

• How to Avoid Small Business Financing Mistakes
  Avoiding key business financing mistakes is not an easy task. However, by avoiding such mistakes, commercial borrowers will eliminate critical business finance problems and obtain better commercial loan terms.
  Published 11May2008, viewed 634 times

• How Credit Card Processing Can Improve Working Capital Management
  Obtaining a business cash advance by using credit card processing is often overlooked by business owners. This important business financing and working capital management strategy is applicable to most retail and service businesses.
  Published 24Apr2008, viewed 627 times

• Business Loans and Real Estate Mortgage Finance Fundamentals
  This commercial loans report is designed to help educate new commercial investors about important business finance loan issues. Since more investors are exploring opportunities involving business loans, it is vital that they have an early introduction to the many critical differences between residential real estate investing and commercial property and business opportunity investing.
  Published 09Apr2008, viewed 821 times

• How to Avoid Malpractice with Small Business Loans
  Avoiding malpractice with lenders and brokers for business loans is becoming more difficult as well as increasingly important. The time, cost and effort required to accomplish this will far outweigh the potentially devastating costs of ignoring the issue.
  Published 22Mar2008, viewed 495 times

• How to Finance and Buy a Business Opportunity Investment
  Buying a business investment without real estate requires specialized business opportunity financing. Although this kind of business financing is available, there are several potential problems which should be anticipated and avoided by prospective buyers.
  Published 05Mar2008, viewed 541 times

• Commercial Real Estate Loans - Overcoming Rejections
  Commercial borrowers are likely to be confused when they are turned down and will probably be unsure as to why it happened and what to do next. For each of the five major reasons that a bank might decline commercial real estate loans, a practical strategy is provided for converting declined commercial loans into an approved business loans.
  Published 13Feb2008, viewed 838 times

• Avoid Online Business Loan and Business Cash Advance Applications
  Business owners should anticipate that many commercial lenders will provide an online application for commercial loans on their website. It is important that business borrowers understand how to proceed in their search for viable working capital financing and why it is not in their best interest to submit an online application for business loans.
  Published 01Feb2008, viewed 544 times

• Credit Card Processing and Better Working Capital Management
  Credit card financing can be one of the most overlooked and problematic working capital business loan issues for a merchant. An effective business cash advance program can lessen many credit card processing obstacles by implementing appropriate cost-reduction solutions.
  Published 20Jan2008, viewed 517 times

• Business Financing - The Best and Worst Finance Trends of 2007
  There were both positive and negative developments for business financing during 2007. These will have an immediate impact on commercial loan strategies for borrowers.
  Published 10Jan2008, viewed 503 times

• Business Loan and Commercial Mortgage Investment Fundamentals
  A problematic financial climate for residential real estate has increasingly inspired investors to consider investment in commercial property and business opportunity situations. This article will offer some background about possible advantages of purchasing commercial property or buying a business plus an overview of primary commercial mortgage financing and business loan options.
  Published 30Dec2007, viewed 580 times

• Avoid Business Opportunity Investment Financing Mistakes
  There are two major business opportunity investment loan mistakes which should always be anticipated and avoided. These key business financing errors can be avoided with a reasonable amount of time and caution.
  Published 18Dec2007, viewed 497 times

• Business Financing and Residential Mortgage Loan Comparisons
  Many residential real estate investors are exploring commercial real estate and business loan alternatives as a result of the increasingly chaotic investment environment for residential financing. There are more key differences between residential real estate investment and commercial real estate investment than realized by most borrowers.
  Published 12Dec2007, viewed 700 times

• Avoid Credit Card Processing and Business Cash Advance Mistakes
  By avoiding key credit card processing and business cash advance mistakes, business owners will eliminate critical business finance problems and obtain better working capital management terms. All of the key mistakes can be avoided with a reasonable amount of preparation and effort.
  Published 08Dec2007, viewed 547 times

• SBA Loan Solutions - Business Finance and Commercial Mortgage
  Finalizing a Small Business Administration loan (SBA loan) and refinancing a small business loan can frequently be among the most difficult commercial mortgage and business finance circumstances for a business investment borrower. There are successful business financing and commercial real estate loan strategies for both commercial loan situations.
  Published 03Dec2007, viewed 476 times

• Avoiding Mistakes - Commercial Real Estate Financing
  By avoiding key commercial real estate loan mistakes, commercial borrowers will eliminate critical business finance problems and obtain better commercial mortgage terms. Doing so is easier said than done and is likely to require specialized investment strategies.
  Published 29Nov2007, viewed 452 times

• Commercial Mortgage and Investment Business Loan Problems
  The focus of this commercial mortgage business loan article is on four commercial loan and commercial real estate investment property loan problems often ignored by borrowers and lenders.
  Published 19Nov2007, viewed 572 times

• Commercial Loan and Business Financing - Unusual Problems
  This article will offer an overview of several serious but relatively unknown commercial loan and business financing problems. The difficulties apply to commercial real estate investment property loans, business cash advance situations and business opportunity financing.
  Published 14Nov2007, viewed 462 times

• Business Finance and Church Loan Choices for Church Financing
  This article will offer an overview of key church loan difficulties and practical church financing solutions. Even with appropriate business finance and commercial mortgage strategies, this specialized commercial real estate loan is typically difficult to arrange.
  Published 08Nov2007, viewed 758 times

• Business Finance - Real Estate Investment Property Mortgage Loan
  With the increasingly chaotic investment climate for residential financing in the United States, more residential real estate investors are exploring commercial real estate and business finance opportunities. It is important for prospective commercial property owners, business owners and business investors to educate themselves about options for the business loan and commercial mortgage environment they will be facing.
  Published 01Nov2007, viewed 545 times

• Business Opportunity Investing Loan - Buy a Business Investment
  In terms of arranging the business financing, efforts to buy a business opportunity are almost always described by commercial borrowers as excessively confusing and difficult. When buying a business opportunity that does not include commercial property, borrowers should realize that commercial loan options will be significantly different when compared to a business purchase that can be acquired with a commercial real estate loan.
  Published 26Oct2007, viewed 484 times

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