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It is continually noted by leaders  in government and the finance communities, that middle market companies represent critical opportunities for job creation and economic growth and could be the key to turning around the struggling US economy. However, business owners in the middle market -- …

A recent blog post cited data from a Thomson Reuters study indicating that the number and quality of asset based credit lines is growing.  That is great news, especially for small and mid-sized businesses who are often turned down by their banks and rely on working capital from alternative …

Banks have apparently resigned themselves to the fact that the economy is still sluggish.  Creditworthy borrowers are harder to come by than ever, leading to a decline in lending and therefore no big revenue recovery for the Banks.   To combat the sluggish growth in profits, banks are clamping …

Even as consumer credit enjoys the prospect of a brighter future, according to a recent survey of bank risk managers, the outlook for business credit is not so rosy.  The general consensus of 272 bank risk managers indicates that the credit crunch for small business is going to get worse before it …

Source: CNN Money, June 1, 2011 by Randy Schwimmer While few people were paying attention, asset-based lending returned with a vengeance. Most of the attention in leveraged loans these days has gone to the cash-flow crowd. With few exceptions, little has been written about asset-based lending. Yet …

The quarterly report recently released by the Commercial Finance Association, underscores the rising need for business credit.  With all data in from those lenders surveyed, the CFA attributes this increase in credit needs to a rise in the economy.  Their assertion is that as businesses emerge …

Bankruptcy can offer businesses a fresh start but should be a last resort.  It is time consuming, expensive and poses problems for businesses looking for capital in the future.  In most cases, filing for bankruptcy can be avoided by using a debt restructuring firm to negotiate with creditors.  …

Surprisingly, despite a bankruptcy filing, small businesses are still able to reorganize and become profitable.  The major difference between those who have filed vs. those who have not, according to a recent report released by the USSBA, appears to be their ability to qualify for future loans …

Surprisingly, a bankruptcy filing does not seem to burden small businesses any more than normal.  The major difference between those who have filed vs. those who have not, according to a recent report released by the USSBA, appears to be their ability to qualify for future loans and the percentage …

A Recent CFA study shows that asset based lenders play a critical role in providing the financing businesses need to stay afloat and grow through tough times.  Often, businesses experiencing a rough patch or rapid growth cannot qualify for a conventional bank loan. In this case, an asset based loan …