Thursday, December 6, 2012

Small Business Finance Experts

small business finance
Business Finance Tools and Experts

Finding the right tools and the most helpful experts are two critical ingredients for solving many problems. Small business financing has become a common problem because small business owners are currently confronting what appears to be the worst commercial banking climate in several decades. Advanced help is usually a good idea when faced with complex problems, and the use of a small business finance expert is a prudent step for commercial borrowers to consider in view of continuing business lending difficulties.

  • Many previous business finance options are no longer available from traditional banks, but this might not yet be obvious to some small business owners.

When it comes to running their own business, most small business owners probably have a very independent perspective. It is normal for most small businesses to postpone seeking outside consulting help even when facing a business loan rejection by their banker. Realizing that they have a commercial finance problem requiring outside advanced consulting help will often be an appropriate starting point for a business borrower to seek a small business finance expert. For most this realization will occur when they do not know what to do next after being turned down for a commercial loan by their current bank. Some business owners might have already had this experience and then unsuccessfully tried to find new financing.

  • Some potential pitfalls should be anticipated during efforts to find a qualified and experienced working capital expert. 

Specialized and advanced qualifications to act in the capacity of a small business loan expert are exhibited by very few individuals or companies. For an individual being asked to provide advanced help which can be used to formulate effective business financing options, problem-finding and problem-solving are both essential components. An adequate stock of these skills that are so critical to the success of a business financing expert are generally scarce commodities in any field.

  • Due to potential conflicts of interest, it will be prudent to avoid a current banking relationship when seeking advice about who to contact as prospective business financing experts.

It is appropriate to seek a qualified individual who is engaged in it as a full-time occupation and not a part-time venture because it usually takes at least several years to master the field. Finding a suitable full-time expert in an established commercial financing business with extensive experience should be emphasized.

Ensuring that all practical and effective commercial finance options are fully reviewed is ultimately the primary purpose in using a small business financing expert.

Wednesday, October 10, 2012

Failure to Communicate

Effective Communication Is Not Optional
The failure to communicate effectively will eventually prove to be a serious problem for both businesses and individuals. This deserves a high priority as it typically impacts dealings with customers, suppliers and lenders. For example, most banks are difficult to work with and in fact almost all small business owners dislike talking with their bank. But the problem will not go away by ignoring it, so practical solutions for improving communication should be reviewed and implemented without delay.

Thursday, August 30, 2012

Improving Working Capital Management

Working Capital Management Help
With most banks eliminating working capital loans to small businesses, it is only prudent that small business owners explore practical strategies for improving working capital management. This can start with a candid series of questions such as the following:

  • Can I reduce business debt?
  • Should I fire my bank?
  • Can I reduce operating expenses?
  • How can I improve business communication and negotiation with banks and suppliers?

Tuesday, July 31, 2012

Who Is the Man that Invented Management?

The Man Who Invented Management
While of course there will always be different opinions about Peter Drucker, he has in fact been referred to as "The Man Who Invented Management". For anyone not familiar with his business strategies, it is not too late to learn. He died a few years ago, but his planning and management principles live on and continue to be used widely.

Thursday, June 7, 2012

Small Business Finance Planning Careers

Business Finance Consultant Careers
Business Finance Consulting Career Training

We often talk about the importance of having a Plan B (and C and D) when discussing business planning strategies. In a volatile employment market, it is also a smart personal strategy to explore what a Plan B job or career might look like. The specialized business that AEX Commercial Financing Group and Steve Bush are engaged in (small business finance consulting, planning and risk management) offers some unique benefits and advantages that warrant careful review and consideration for any individual contemplating a new career direction. Stephen Bush and AEX are uniquely qualified to transfer key knowledge about this specialized profession to those interested in pursuing a business finance consulting career. The AEX Business Finance Consultant Training Program has a training fee that ranges from $2500 to $5000 for one-to-one individualized training sessions that are developed based upon the personal needs of each client.

Wednesday, May 16, 2012

A Musical Explanation for Economics

A Musical Explanation for Economics and the Economy
Musical Economics Videos

Economics and small business finance are difficult topics to understand under almost all circumstances. It is hard to find concise and practical explanations about both the economy and financial matters. I already spend a great deal of time writing about realistic business solutions for complicated small business finance problems. Some time ago I began to incorporate more video presentations when explaining commercial financing and business finance planning. A recent example is entitled "What Is Musical Economics?" and as I hope you will see when you review it, satire is a useful communication method to convey many complex issues such as Zombie Banks.

Tuesday, May 8, 2012

Commercial Finance Planning Video Presentations

For complex topics such as commercial finance planning, it should be helpful for small business owners to rely on several diverse sources for explanations about business solutions and strategies. In addition to multiple written descriptions on websites and blogs such as this one, video presentations can be a useful method for learning more about complicated issues such as contingency business plans and business finance consultant help for risk management problems.

Saturday, May 5, 2012

Small Business Plan Strategies

Is it really necessary for small businesses to have a business plan strategy? Some small business owners will take the position that business planning is not necessary for their situation because everything is in "great shape". In this case the need for a business plan can be easily overlooked, but that does not mean that this is really the preferred path given all of the possible alternatives. Things can and do go wrong regardless of how well a business is currently doing. This is precisely the rationale for having a contingency business planning strategy in advance of something going wrong.

Wednesday, May 2, 2012

Business Planning or Negotiating?

Business Planning Strategy
Business Negotiating or Business Planning?

The question that many small business owners ask is a variation of the title: "Should I make business planning or business negotiating a higher priority?" The prioritizing of business problems is an excellent way to approach the handling of multiple tasks. As most small businesses already realize, there are often too many items on the plate to handle at any given time. Certainly if the only two serious problems were the need to examine business negotiations and business plans, it would make total sense to prioritize the relative importance of each. But in the imperfect world that small business owners are usually operating in, there are probably five or ten (or more) small business problems requiring attention simultaneously. That is exactly why prioritizing becomes an essential task. So there will rarely be a choice as clear as "negotiating or planning?" or even "planning or negotiating or financing?"

Tuesday, May 1, 2012

Real Estate and Business Planning Questions

Real Estate Questions
Business and Real Estate Questions

If there is one ingredient that should never be left out of the small business finance planning recipe, then it would be asking questions and more specifically "the right questions". There is no easy way to get through this step other than to do a lot of research and talk to a lot of people, or alternatively find a business planning expert who can help you navigate both the questions phase as well as what comes next. A good starting point is to determine whether you need to be asking real estate questions or business questions (or possibly both).

Monday, April 30, 2012

Business Finance Planning Focus

The focus on Business Finance Planning is to describe various aspects of the small business planning process that are most applicable to small business owners. While it is not likely that all planning strategies and solutions discussed here will be universally applicable to each and every small business, most of the observations here should be of interest to each small business owner because of the rapid and significant changes occurring in the business economy and marketplace. Much like when observing the weather and someone says "If you don't like it today, just wait until tomorrow", please don't be too concerned if the business planning situations described here are not applicable to you today. Because of a dynamic business and financial environment, sooner or later much of what will be described here about business finance planning will be applicable to most small businesses.