You Hit the Nail on the Head!

Therein lies the problem. If the banks won't let go of some of the money, especially when the government just gave them a huge portion, the economy turnaround is in for a long wait.
Thank you for letting people know about mortgage rates. I hear it all the time...if the Fed drops the rate, then why can't I get a better rate? What generally happens is when the Fed drops the rate, mortgage rates go up. It's hard for people to understand, so thanks for helping out!

Trimming of the SBA Manuel ...

Hi Sam, One of the more disturbing issues I hear is that the rewriting of the SBA maunel has caused confusion among underwritiers. I beleive they took it down from what 800 pages to around 200. Although there intentsions were good, they left alot of confusion and doubt - exactly what we dont need in this market.

Jeff
http://www.cfa-commercial.com
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Perspective ...

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!

Great article!

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Factoring Can Be a Solution in the Credit Crunch ...

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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