Surprisingly, despite a bankruptcy filing, small businesses are still able to reorganize and become just as profitable as business who have never filed.  They apparently both share the same burdens: poor cash flow, high health insurance costs, excessive taxes, etc. and the same opportunity for a …

A recent report noted that although the current syndicated loan and high-yield debt markets are booming, lower middle-market borrowers and companies in “business turnaround” situations are still having a tough time finding capital. Businesses able to hang on during an unprecedented recession …

In today’s tight economy, businesses are struggling to preserve working capital.  There are many possible strategies to employ, such as equipment financing including  equipment leasing or equipment sale and leaseback.  What are the advantages to this type of solution to the cash flow …

Healthcare reform will bring many changes to businesses and how they provide insurance for their workers.  The requirement that they do, will lead to unprecedented growth opportunities in this industry sector.  Healthcare financing companies may be seeing an unprecedented need for medical capital …

It’s no secret that the American economy is still in a precarious state.  The global economic landscape is changing and nobody knows for certain how or when it will all shake out.  Tumultuous times like these can be tricky for business owners, but can also create opportunity for the business …

After much debate, HR5297, the new jobs bill was recently passed by Congress.  Most of the $787 billion price-tag is directed at small businesses -- via the Small Business Administration Loan program- which experts say hire the largest percentage of workers in this country.  Of course, there is …

The Fight for H.R. 5297 Democrats & Republicans worked together to give big banks and big biz billions in bailouts, pushing our country into unprecedented debt. Still, this has not created the economic recovery or job growth that supposedly came with the high price tag.  It did not provide …

Recently, Mr. Bernanke was characterized as being puzzled as to whether small businesses were deprived of liquidity because banks aren’t lending or demand is simply weak. Has Mr. Bernanke spent much time talking to the business owners who are struggling to stay afloat?  Has he spent time talking …

That is the question for most small, community banks.  Small businesses and banks are both frustrated by the tight credit standards for new loans. The banks cannot afford to make questionable loans, yet want to preserve the established relationship with the borrower.  Companies at a critical …

Last week, Federal Reserve Chairman, Ben Bernanke came out strong urging big banks to increase lending to small business. Mr. Bernanke cited the steep decline – roughly $40 billion in the last two years - in loans to smaller companies and questioned whether this is due to reduced demand or …

Ironically, the administration is proposing a tax credit for companies hiring new employees. With credit markets nearly frozen, businesses large and small cannot access the credit they need to meet existing payroll demands -- how are they to create additional jobs? Roughly 99% of all firms are …

Since it’s inception in February of 2009, the American Reinvestment and Recovery Act has funneled $680 million into programs supporting more than $27.5 billion in lending to more than 60,000 small businesses nationwide, according to SBA Administrator, Karen Mills.  In the tight credit climate, …

Even after the TARP program pumped billions in low-interest capital into banks, small business finds credit elusive. In a report out last month, the TARP committee concluded that it failed at improving credit access for small companies. The money dumped into big banking had no strings – no …

As the number of companies filing bankruptcy continues to rise, so does the cost – especially for small business.  The cost of a Chapter 11 reorganization for a smaller company is nearly as much as for a larger company that has 10 times the revenue.  Ironically, most companies facing financial …

A recent Wall Street Journal article by Emily Maltby titled, “Crooked Loan Agents Take Advantage,” discussed the growing unethical practices of loan brokers.  With small business credit still scarce, those trying to take advantage of  desperation have found another niche.  Fraudulent agents …

The credit market is still feeling the aftershocks after the collapse of the major banks and lending institutions in the US sent the economy into a downward spiral. Big business and big banks got bailouts and incentives, while liquidity continues to be scarce and incredibily difficult to access …

The problem for businesses seeking to recapitalize is determining if a lender is actually deploying capital.  Many finance companies claim to have access to money, but do not.  In this competitive environment it is vital that businesses seeking help know how to distinguish fairly quickly who is a …