Solutions For the Business Financing Puzzle

The comparison of small business financing to a puzzle is not meant to diminish the critical importance of success by business owners when they encounter difficulties with commercial lenders. The most practical goal for using a puzzle analogy in this article is to help describe an otherwise complex working capital and commercial finance situation in a more understandable way. The current commercial loan stakes for commercial borrowers are high because their business survival might be hanging in the balance.

In using a puzzle comparison, this analogy provides an opportunity to evaluate the commercial loans puzzle (a challenging commercial lending climate) as something that tests the ingenuity of small businesses to solve. When reviewing the current small business finance environment, an increasing number of commercial borrowers are comparing what they are finding to a puzzle with pieces scattered everywhere. The ongoing descriptions of commercial financing in terms of solving a puzzle should provide a reasonable reflection of the underlying problems that cannot be ignored by a prudent business borrower. The growing confusion represented in small business owner interactions with their current bank concerning available business financing options is no doubt also reflected by such an analogy.

Recent experiences by many commercial borrowers with their business banker probably resemble a constantly changing level of difficulty for an already confusing small business finance puzzle. It has become a common experience for banks to take over two months for a working capital financing process that should realistically be completed in three weeks or less, and in many cases even then the lender does not complete the process for providing the requested working capital to the business which has been waiting without any awareness that funding might not be finalized. Suggestions that commercial lenders have misrepresented what is required to finalize commercial loans are emerging in too many reports for borrowers to ignore.

For a number of years most business financing has been more complicated than borrowers realize. Recent events have made these complexities more obvious primarily because the eventual results have changed so drastically. It is situations like those noted above that cause business borrowers to feel like some of the required puzzle pieces have been removed from the board. In effect that is exactly what has happened in many cases because fewer banks are now providing small business financing. When this happens with the bank that a business has previously relied upon for their small business finance needs, a business owner is indeed likely to feel as if the commercial finance puzzle pieces have disappeared.

By continuing the puzzle analogy, there are two practical options for commercial borrowers to analyze and consider. First, in an approach which can lead to a small business finance puzzle which will involve “fewer pieces” if executed successfully, business owners should assess the potential for a reduction in their commercial debt requirements. Second, by looking for alternative commercial lending sources, small businesses should attempt to find the “missing pieces”. As with any complex business financing situation, both of these (as well as any other realistic commercial loan choices) should be thoroughly reviewed with the help of an experienced expert.

Small Business Finance – How to Avoid Sneaky Business Investments

Today, more people are faring well in their efforts to build small businesses. Many are creating incomes that support their desired lifestyle of more freedom and more fun. Amidst top line sales growth, entrepreneurs are still missing the mark when it comes to investment choices to grow the bottom line. The following tips will help when deciding how to use cash flow for investing.

Steer Clear of Emotional Spending

To protect yourself from getting caught up in investing hype, keep a level head throughout the process. Never weigh your final decision on what finances will be like once the investment goes through. Instead, take into account questions like: What will the investment produce? Do the numbers show that it is a solid opportunity? Is it in line with my values and goals? Usually if it sounds too good to be true, it is.

Be Patient on the Road to Riches

Being impatient in growing your money can make you a prime candidate for get rich schemes. Instead learn to separate the good from the bad investment opportunities before you put in the work, time, and money. Be willing to accept the fact that most success stories are not made overnight. You have to be willing to put in the work in order to get the harvest that you desire.

Get the Right Information

Another mistake that will impact financial returns is not having the right information to make good decisions. Becoming an informed investor is key to success. Do the research and gather the facts. Don’t just rely on the recommendation of a friend or associate.

Ask the Pros

The profits that you earn and save represent the effort that you put into creating income so use them wisely. Have standards for every investment and stick to markets that you are familiar with. For opportunities outside your expertise get wise counsel. You’ll be better equipped to make the best decisions possible with expert financial advice.

Identify False Claims

Sometimes no matter how much you evaluate opportunities and feel that the deal is right, the reality is there will always be some type of risk associated with an expected return. In these cases, designate an amount of cash that you are willing to invest and the level of risk that you are willing to assume. Plan for investment alternatives so that if you miss the mark, you can rebound. Your job as a wise money manager is to know your limits and stay to them within reason.

Using cash flow in the best way possible is crucial to attaining your financial goals. Become better at managing money in your business by subscribing to my free monthly financial tips here.

Barracudas and Dandelions – Clipart and Small Business Finance

Business is like a barracuda-swift and silvery, sliding through the water and cutting past its prey. Business is also like a dandelion, quick to take root and swift to blow away; unless that dandelion grants a wish, it may vanish on the wind. But whether animal or vegetable, in the water or on the land, can business be-free? As in, can a business provide something for free? Well, free clipart is part of a broad history of online distribution services aimed to increase the public domain and enable the small businessperson. Even in our metaphors-barracudas, water, prey, dandelions, and wind-we have hit on just a small sampling of online clipart.

Free clipart isn’t just a business, though; free clipart is a gift to businesses, especially small businesses. Letterhead, checks, logos, signs, and websites all benefit from free clip art. Whereas extensive design work once had to go into even the most mediocre of media, free clipart has helped build up the reservoir of design opportunities, affording entrepreneurs yet another way to take hold of some stopgap measures. While you wait to grow into bigger advertising projects, clip art makes your fliers exactly what you need.

Quality is crucial, of course. Using just any free graphics to fill your clipart needs won’t always turn out for the best. When appropriate and successful finance is your aim, you can’t afford to load up with shady half-baked measures. Barracudas slide right on by and dandelions blow away unwished-on. For free clipart to be effective clipart, you need to be willing to take the time to go hunting. Most large clip art libraries are able to fit most bills when it comes to small business; however, free clipart does not come only in big chunks. Small free clipart libraries often carry unique images that can be taken and used as is or incorporated into something more to help facilitate effective finance in your small business. Of course, with all of this, you cannot discount the effect that paid clip art can have on your business. Sometimes you have to pay money to make money.

Ultimately, here is the way to think of how clipart affects you. The barracuda might be your venture-but let’s say the barracuda is the clipart. It cuts through the marketing fluff and weaves its way into the hearts of your advertising audience. The dandelion is your small business finance. If you aren’t careful with it-if you don’t want it enough-it blows away, never to be seen again. Free clipart fixes that. Think outside the box. Think creatively. Think free-and think freely; then, you will have the mindset you need to make something happen with your small business. Finance may not be free. It may be frustrating. But making your name can be made easier. Just look for the swift silvery flash, make a wish, and make it work.