It is only reasonable to determine if more big problems are lurking in the wings for commercial banking. For the past year, most banks and lenders have been subject to both disastrous operating results and negative publicity. The commercial mortgages activity reported by most banks tells a different story than the portrayal as healthy and normal by bankers and politicians. Most bank financial results have been disappointing after working hard to solve massive residential loan problems.
Unfortunately one problem will lead to another, as is common with complex circumstances. The failure to obtain normal small business financing options will most likely lead to an increasing number of commercial loan defaults by small businesses. Prudent business owners should begin to take action now in a timely manner to avoid such negative consequences. With proper actions, the biggest small business finance problems can be anticipated and avoided.
Judging by numerous business financing measures, commercial lending is already a huge problem for most small businesses. In many cases, without government bailouts many commercial banks would have already failed. As bad as that perspective might sound, this report will provide an even more negative outlook for the future of small business finance programs. Unfortunately for banks and lenders, it does appear that working capital finance and business loans will be the next big problem.
During the past year or so, several banking problems have received significant publicity. The largely avoidable difficulties were primarily tied to increasing home foreclosures which in turn caused various investments tied to home loans to decrease in value. Such investments lost value so rapidly that they became known as toxic assets. When banks stopped making many loans (including small business financing), the federal government provided bailout funding to many banks to enable them to keep operating. While most observers would argue that the bailouts were made with the implicit understanding that bank lending would resume in some normal fashion, the banks seem to be hoarding these taxpayer-provided funds for a rainy day. With this approach by the banks, commercial lending activities for small business finance services have been effectively downsized or eliminated.
Small business financing appears to already look like the next big problem based on commercial finance statistics recently released by many banks. In part this is due to the general decline in commercial real estate values during the past several years. Because many large commercial real estate owners could not make their commercial mortgage loan payments or refinance business debt, this has resulted in some significant bankruptcies. While these difficulties were predominantly happening with large real estate companies and did not regularly involve small businesses, the resulting bank losses are clearly having an impact now on commercial lending to small business owners.
Unfortunately we have already seen that the banks themselves are not likely to be forthcoming in a candid way about commercial lending problems. At a minimum, small business owners should have a candid discussion with a small business finance expert to determine how exposed their business might be to the developing problems with commercial banking. A healthy amount of caution and skepticism will help commercial borrowers to ensure that they obtain adequate small business loans for their business in the face of serious banking problems. For many small businesses, the most objective business financing expert is not likely to be their current banker.
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