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www.ntvuganda.co.ug Bank of Uganda has raised its benchmark rate, the rate at which it lends to commercial banks, to 20% for October from 16% in September. The move is intended to reduce demand for money and thus rein in on the runaway inflation currently at a 19 year high of 28.4%.
New Commercial Finance Lending Sources for Business Financing
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Home Page > Finance > New Commercial Finance Lending Sources for Business Financing
New Commercial Finance Lending Sources for Business Financing
Posted: Jul 28, 2009 | Views: 104 |
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Although banks and other business lenders have made a pointed effort to portray themselves as lending normally, very few business owners are likely to suggest that there is anything normal about obtaining financing from current commercial finance programs. It has become a routine occurrence for small business owners to be told by their current commercial lender that it will be necessary to seek another source for commercial loans and working capital.
I published several earlier articles which addressed some of the problems that commercial borrowers are experiencing when they attempt to obtain working capital financing and commercial loans. It has become clear that current commercial lending conditions have become even more difficult for most business owners. For example, one of these commercial finance reports described the unfortunate possibility of firing your banker as one of several guerrilla financing techniques that might be required for a small business to survive in the face of extreme business banking conditions.
It would not be realistic to suggest that there are one or two obvious business lending sources that will solve the working capital needs for all businesses in need of help. Nevertheless I would not advocate the guerrilla financing tactic of firing your bank and your banker if there were not suitable alternative sources for small business financing.
Identifying the most likely alternatives can be accomplished in several ways but one of the most effective approaches will include detailed discussions with commercial loans experts that are experienced in nationwide business financing similar to what the business owner currently needs. Realistically the search for new commercial lending sources must start with an admission from a small business owner that they do in fact need to find a new source for business loans.
The best commercial finance solutions will depend on the business location, type of financing, kind of business, operating history and size of loan desired. A key point for business owners to remember is that there really are a number of viable and effective commercial lenders that are currently active in making commercial loans to businesses that are in desperate need of commercial financing. Some of the most realistic sources for small business loans are operating regionally rather than nationally.
In addition to the advice contained in this article, small business owners should review commercial finance resources such as The Working Capital Management Guide, a free online publication which focuses on short term capital financing strategies. Commercial borrowers should also have a candid discussion with a commercial loan expert who is capable of providing appropriate help for their unique business financing needs.
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Stephen Bush –
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Stephen Bush and AEX Commercial Financing Group provide small business financing for working capital loans, business cash advances and commercial real estate financing throughout the United States.
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Article Tags:
commercial finance, business financing, working capital, finance, loans, mortgages, business
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Stephen Bush and AEX Commercial Financing Group provide small business financing for working capital loans, business cash advances and commercial real estate financing throughout the United States.
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One of the signs of the times that indicates how any nation’s economy is doing can often be determined by how well businesses are expanding in real estate. Right now, there is a continued expansion of commercial real estate and loans for these new projects. The current commercial real estate lending trends indicate that now is a good time to expand your business with a building program or new land purchase.
While the housing market has certainly taken a real dip, and has hurt the sub prime lenders in particular, commercial lending goes on. Many new projects, especially in the income producing properties realm, is seeing solid expansion. This includes the construction of office parks and buildings, multi-family dwellings, hotels, and other general land development programs.
One particular market that has held up its own is office rentals. The demand for office space – even at increased rent values – has grown. This is especially true in New York City (Manhattan), and some other large cities, too. This means that the available office rental space has actually decreased as office space is being filled – much to the owner’s delight. In New York City, office space is being grabbed up – even though the rent has risen to nearly $70 per square foot.
A few other cities, however, still show a slow office rent market. In fact, much office space remains unoccupied. In those cities, though, where office space is in demand, the number of office buildings and office parks are certainly on the rise, as developers rush to fill in the gap. Commercial lenders are also seeing the need and providing the necessary bridge loans and commercial loans for these massive projects.
When compared to last year, there is an increase in the overall amount of activity in commercial real estate lending. This shows a growth of about 0.8 percent that is expected in the third quarter of 2007, according to the National Association of Realtors.
Over the last few years, commercial real estate lending has shown a strong increase. The Federal Reserve (Philadelphia) indicates that large mortgage lenders have gone from about 150% of loans (compared to non-commercial) back in the 1990’s, to over 300% last year.
The number of commercial real estate loans is increasing and lenders are continuing to offer excellent interest rates. The market has begun to show a slight decrease in recent days, but for right now, the rates needed to expand business could not be much better. The qualifications needed to get such a loan also could not be much softer than they are right now, too.
Seeing this kind of commercial real estate trend, and the market’s favor for this kind of loan, you also may be able to benefit greatly by investing now in a new building project or land development program. Check on availability of office space (in particular) in the area, find out how fast it is being secured by new businesses, and if it is in demand, be ready to move on the opportunity. Scope out possible land available, or existing structures that can easily be renovated into office space, get your paperwork in order, and talk to a commercial lender about your goals before someone beats you to it. Now is the best time for action on this kind of opportunity, while commercial loans are still available at great terms.
Please visit SNC Commercial Loans. You can also find more information on direct lending.
clscause.com Are you in the right business but the wrong space? Commercial Lending Solutions connects you with capital and the support to get you into the right space. Don’t be a finger sandwich, be a HERO! Commercial Lending Solutions, advancing your cause… Thanks to Efe’s Mediterranean restaurant in Marietta Square!
One of the best ways to succeed in commercial real estate lending is to specialize in a particular type of property. Several advantages to this strategy are covered in this weekly video tip from the CommercialLoanCoach.com.