Main Street Financing Challenges

Thanks for putting everything in perspective. Although it seems as though all the banks are in trouble because that's all you hear about, it is really the mortgage and real estate backed banks that are faltering. Great information!

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I'm glad to see that you are mentioning some alternative types of financing. Your article implies that you have to be in business for a number of years. Many small businesses have financing problems who have been in business less than the 2 or 3 years that the banks require. There are a lot of factors who will provide working capital financing for companies that have been in business less than a year. It depends on the quality of their customers.

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Vey useful article i found,want to read more related articles,thank you sir ...

All the news today can be so depressing! They should learn how to "spin" it the right way instead of always for the worse. Miranda can attest to the fact that I am a pretty optimistic person and try to see the good in things instead of always doom and gloom. Although confidence in our US Institutions is clearly lacking - if you look at the Gallup Poll chart, you will notice that there are 16 different institutions listed. Twelve out of the sixteen have actually gained a few confidence level points over the last year. That's good! Although the confidence level clearly needs to come up, especially on a few of the ones listed, it is an improvement over last year. Hopefully next year it will improve more! Banks have definitely taken the hardest hit. It's good to see that America still has faith in our military, as we should!
Small businesses seem to bolster confidence as well, and I am glad to see that! I know as well as everyone else that times are tough. Spending has been halted on many projects, especially by small business owners. But one thing you need to remember is those that have made it this far are generally those who run an honest business and are not just out for a buck. I?m not saying all of them were, but I run a small mortgage business and I can tell you that many of the mortgage companies that have shut down were those that charged borrowers outrageous prices and made as much off of each deal as possible.
No matter what business you're in, gas prices are getting to everyone except the major players who are reaping in record profits. Someone told me the other day they heard that gas could be at $7 a gallon within 3 or 4 months. I sincerely hope it won't. In fact, I can't even imagine it being that high. No one can tell exactly what will happen, but I have heard of an investigation that has been launched into the price we pay for gas, so maybe it will halt the rising of prices.
This country has been through some hard times before and came out stronger than ever. The mainstream generation has just been extremely fortunate that for their whole lives, there has been prosperity and not any major attacks on their freedom. Now they're seeing the other side and it prompts panic. This unfortunately sets off a whole new set of problems induced from those that are in decision making roles.
Those who set the gas and oil prices don?t have to pay them. Those that have the power to do something about it have enough money that it makes no impact on them. The trucking industry has tried to make a stand by slowing down all the highway traffic, just to let them know we?re out here. Why does it take a nationwide catastrophe to bring this country together? If Congress can actually work together as they did after 9-11, they may be able to help all of us by doing something about the prices being raised again and again. I have noticed many of the gas stations in my area got so tired of climbing up to the sign and changing the price, they installed digital ones. Congress and the bigger powers that be should know that if they actually did something about what affects the rest of the population and maybe even take a pay cut instead of voting themselves another raise (that seems to be the only thing they do agree on), they may bolster a bit more confidence in their positions as well. They need it considering they are the lowest US Institution on the confidence scale, as they deserve to be.
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Hey Sam,
This is a useful and non-political assessment of what the hopefuls represent to us as small biz owners and entrepreneurs. Kudos for a post well done. Thanks for writing it.
TJ ...

I haven't heard of this device, but it will be perfect for me since I will be doing some traveling to companies for my business. I'm glad to know of this product!

This article is good on many levels, but mainly because it will keep those small businesses that are wanting to expand from making costly mistakes by either over-extending their ability to provide product to the mass market and their ability to finance it. You explained it perfectly and I like you provided additional tools.

A rolling cash flow should be a requirement for every business (your point 10.) If possible or the business calls for it I would recommend a 52 week rolling cash flow schedule. As we know, it is always a guess when you start the discipline, but it gets easier as you go along. Every lender should ask for it.