| The process of dealing with business lenders has | | | | banks. In the end all that is really needed is just one |
| become more difficult for small businesses, and | | | | bank that meets specific business requirements. An |
| commercial bank consulting appears to be an | | | | important part of commercial bank consulting is to |
| effective method for realizing working capital and | | | | identify one (or more) candidates qualifying as a good |
| business loan success. Locating a qualified business | | | | bank if a small business is currently using what is |
| financing expert is a primary step in choosing a | | | | deemed to be a bad bank and still needs an ongoing |
| commercial bank consultant. While this task is almost | | | | commercial banking relationship in some form. In a |
| certain to be difficult, it must be pursued until a business | | | | dose of reality, only a few good banks can |
| owner is satisfied with their choice. | | | | consistently pass the test for final consideration when |
| Even though this report refers to commercial bank | | | | a new business bank is selected based upon |
| consultants, this does not mean that the small business | | | | specialized and unique small business finance criteria. |
| finance expert selected for this role should only be | | | | This report is encouraging that small business owners |
| familiar with banks. To the contrary, in the current | | | | be prepared to take aggressive steps when searching |
| commercial lending environment it is absolutely | | | | for effective commercial mortgage loan and working |
| essential to include non-bank sources in the overall | | | | capital management options. Commercial borrowers |
| evaluation of practical commercial loan options. But | | | | should benefit whether the business bank consultant is |
| from a practical point of view, a suitable business bank | | | | called upon to serve as a commercial finance expert |
| consultant must also be capable of distinguishing | | | | providing a second opinion or as a commercial loan |
| between the good banks and bad banks. | | | | umpire to make a final call before completing any new |
| Certainly many observers will question whether there | | | | financial agreements. |
| are really any banks which can be viewed as good | | | | |