Business financing options change significantly over the past two years, it is worth seeing what “normal new” resembling that small business owners are ready to face the challenges they are now faced with Commercial lenders. Corporate borrowers are more likely to find commercial financial success by quickly accepting the fact that a “new normal way” to do things have appeared.

The spectacular reduction in the number of commercial lenders who are actively developing small business loans is one of the most important changes in the commercial finance loan environment. Banks continue to emphasize that they still provide small businesses funding in reality that they have reduced or eliminated their commercial loan programs are an equally important part of the “normal”.

A recent report has shown that the commercial lending activity has dropped by the largest amount since the recordings have been retained. This trend seems likely to worsen before improving, as it is based on the accounting of the Federal Deposit Insurance Corporation, almost one out of ten bank is close to failure. The current financial situation of many banks is still documented by reports from the Federal Reserve and the US Treasury Department that more than 50 banks did not have sufficient cash flow to make their credit payments from November 2009 For loans made by the troubled asset relief program (TARP). The payments in question are due quarterly and more than ten banks missed three consecutive tranches. Unlike the banks that have tripled tripled interest rates and quadrupled for individual consumers lack a credit card payment, presumably, government regulators are simply gaining money in offending banks.

Banks have too often commented as if they have a monopoly on their small business financing services. The “normal” small business owners should increasingly reflect the growing achievement that banks can be replaced when they are ceasing to provide an adequate level of service to their professional customers.

As a direct result of the persistent deficiencies of banks to provide sufficient support for small businesses, as stated above, for most corporate borrowers, the “normal” will involve a new bank or at least a new commercial lender. (which might not be a bank at all). Although the banks wanted customers to the owners of their small businesses continue to believe that only one bank like them can help corporate borrowers, it is really a myth created by the bankers themselves.

For many key business financing services such as commercial mortgages, many banks have indicated that they will no longer provide this funding. For the financing services of specialized businesses such as the management of employment deputy, business councils and business fund advances, banks only rarely provide a cost-effective and realistic option for commercial borrowers. For business owners who have commercial loans or working capital funding to be refinanced over the next three years, upcoming planning will be increasingly important for the success of their small business financing. With the “normal”, if the commercial borrowers expect that their bank decides to draw the file on future small business financing programs, the calendar is not likely to be also conducive to the refinancing of companies.