1、Commercial Financing Solutions - Think Outside The Bank July,2007 by Stephen Bush Commercial financing borrowers are likely to feel that a traditional bank is their best source for business financing. However, because most traditional banks focus on a small number of established industries, non-trad
2、itional (non-bank) and non-local commercial lenders should be considered for most commercial financing situations. Therefore the recommended commercial financing strategy (as discussed in this article) is to Think Outside the Bank”. There are several commercial financing situations in which commerci
3、al borrowers will frequently find that non-traditional commercial lenders are better positioned to provide terms that are more advantageous to the commercial borrower: (1) Business cash advance and credit card factoring programs； (2) commercial mortgage loans； and (3) credit card processing programs
4、. In some cases a traditional bank will offer to provide commercial financing but will attach excessively stringent terms and covenants. In other cases a traditional bank will decline the commercial financing outright, perhaps because they do not even provide business financing to the commercial bor
5、rowers particular industry. In either case, the commercial borrower is likely to benefit by Thinking Outside the Bank”. As I noted in an earlier commercial financing article, in many non-competitive business financing situations it is not unusual for a local traditional bank to impose harsher commer
6、cial financing terms than would typically be seen in a more competitive business financing market. Such traditional banks routinely take advantage of a relative lack of other commercial lenders in their local market. An appropriate response by commercial borrowers is to seek out non-bank commercial
7、financing options. It is neither necessary nor wise for commercial borrowers to depend only upon local traditional banks for commercial financing solutions. For most commercial financing situations, a non-local and non-bank commercial lender is likely to provide improved business financing terms bec
8、ause they are accustomed to competing aggressively with other commercial lenders. COMMERCIAL FINANCING EXAMPLE ONE - THINK OUTSIDE THE BANK Business Cash Advance and Credit Card Receivables Programs Most businesses that accept credit cards in their business will qualify for a business cash advance w
9、ith their credit card receivables. Traditional banks will typically be very poor candidates to consider if a business needs assistance with credit card factoring and business cash advances. Because even thriving businesses frequently need more cash than they can borrow from a bank, it can be of crit
10、ical importance for a business to Think Outside the Bank” and locate non-traditional lenders to assist with this commercial financing need. COMMERCIAL FINANCING EXAMPLE TWO - THINK OUTSIDE THE BANK Commercial Mortgage Loans Two of the most common commercial financing difficulties experienced by comm
11、ercial borrowers can be avoided if they Think Outside the Bank”. The first commercial financing situation is the prevailing practice of traditional banks to avoid most special purpose properties (such as funeral homes and churches). The second commercial financing situation is the typical practice o
12、f most commercial banks to attach balloon and/or recall provisions to their commercial loans (which means that the bank can require early repayment of the commercial loan under various conditions). Both of these undesirable commercial financing situations can usually and easily be avoided by conside
13、ring a non-traditional and non-bank lender. COMMERCIAL FINANCING EXAMPLE THREE - THINK OUTSIDE THE BANK Credit Card Processing Programs The choice of an appropriate credit card processing service can be instrumental in improving the profitability of businesses with a high volume of credit card activ
14、ity. The analysis of credit card processing providers can be effectively combined with the credit card factoring and credit card receivables process described above. In assessing a business cash advance program, it is frequently possible to simultaneously arrange for a substantial improvement in the
15、 merchants credit card processing program. Because traditional banks are usually not competitive in providing assistance with credit card factoring, it is equally likely that a non-traditional lender will be the primary source of effective and competitive help with credit card processing. A closing
16、commercial financing thought: I have written an earlier commercial financing article about commercial lenders to avoid. It should be noted that there are in fact both traditional and non-traditional (non-bank) lenders which should be avoided. So when commercial borrowers Think Outside the Bank”, it
17、is still of critical importance that they are prepared to avoid a wide variety of problematic non-traditional commercial lenders in their search for viable commercial financing, especially when it involves business cash advance (credit card receivables and credit card factoring) programs, credit car
18、d processing services and commercial real estate financing 讨论银行商业融资解决方案 2007 年 7 月由斯蒂芬布什 商业融资的借款人可能会感到，传统银行是他们最好的企业融资来源。然而，因为最传统的银行集中在一个既定的产业，非传统（非银行）和非本地的商业贷款的少数，应考虑大多数商业融资情况。因此，建议的商业融资策略（在这篇文章中讨论）是跳出银行“。 有 几个商业融资的情况下，商业借款人经常会发现，非传统的商业贷款，更好地提供更有利的商业借款的条款：（ 1）企业现金透支和信用卡保方案 ；（ 2）商业按揭贷款 ；和（ 3）信用卡处理程序。
19、在某些情况下将提供传统的银行提供商业融资，但将附加过于严格的条款及契诺。在其他情况下，传统的银行将拒绝商业融资顾左右而言他，也许是因为他们不提供商业融资，商业借款人的特定行业。在两种情况下，商业借款人是有可能受益的银行外思考“。 正如我在较早的商业融资文章指出，在许多非竞争企业融资情况是不寻常的本地传统银行施加严厉的商业融资条件 比通常会看到一个更具竞争力的企业融资市场。这种传统的银行经常采取的其他商业银行在当地市场的相对缺乏优势。商业贷款的一个适当的反应是寻求非银行的商业融资方案。这是既无必要，也明智的商业贷款，只能依靠当地传统的银行，商业融资解决方案。对于大多数商业融资的情况下，非本地和非
20、银行商业贷款是因为他们已经习惯于积极与其他商业银行竞争可能提供改善企业融资条件。 商业融资范例之一 - 认为境外银行 商业信用卡透支现金和信用卡应收款程序 大多数企业在接受信用卡业务将有资格为他们的信用卡应收帐款业务现金透支。传统的银行通常会是非常差的考生认为，如果一个企业需要用信用卡保理业务现金垫款的援助。因为即使是一枝独秀的企业经常需要更多的现金，他们可以从银行借的，它可以跳出银行“，并找到非传统的贷款，以协助这个商业融资需要的业务是至关重要的。 商业融资例二 - 想以外的银行 商业按揭贷款 两个最常见的商业融资，商业贷款方面遇到的困难，如果他们认为银行外，可避免“。第一商业融资情况是传统
21、银行的通行做法，以避免最特殊用途性质（如殡仪馆和教堂 ）。第二商业融资情况是，大多数商业银行的典型做法，重视他们的商业贷款（这意味着该银行可能需要在不同条件下的商业贷款提前还款）气球和 /或召回规定。这些不良商业融资情况都考虑非传统和非银行贷款人通常可以很容易避免。 认为境外银行商业融资例三 - 信用卡处理程序 选择一个合适的信用卡处理服务可以有助于提高企业的盈利能力与高容量的信用卡活动。用信用卡保和上面描述的信用卡应收款的过程中，信用卡处理商的分析，可以有效地结合。在评估业务预借现金方案，这是经常可以同时安排在商家的信用卡处理程序的大幅改善。由于传统 的银行通常不会在竞争与信用卡保提供援助，这是同样可能是一个非传统的贷款人的主要来源将是有效和有竞争力的帮助与信用卡处理。 闭幕商业融资心想：我已经写了一个关于商业贷款，商业融资文章，以避免。应当指出，其实是有传统和非传统（非银行）应避免贷款。因此，当商业银行认为借款外“，这是至关重要的仍然是他们准备，以避免在寻找可行的商业融资的各种问题的非传统的商业贷款，特别是当它涉及业务现金透支（信用卡应收款和信用卡保）计划，信用卡处理服务和商业房地产融资
