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Yes, I’ve read them. The stories are everywhere. The economy is struggling and so are small businesses. Perhaps The Great Recession is over but the economy is soft to say the least. Bank loans are tough to come by. Non-bank finance lending is way down – actually they are at their lowest levels Read More

This is a continuation of a discussion originally started here, in a piece titled, “Fear Factor 101: Is Fear a Factor?” So let’s proceed by picking up where we left off. Read More

For most new and established business owners their biggest obstacle is Fear. It is perhaps the biggest enemy many people fight in obtaining business success. Read More

Unbeknownst to you, and for almost a decade in some cases, the banks have been playing a little game behind the scenes. It just so happens that the game that’s being played is with your money. Read More

What else am I (cautiously) optimistic about? Small business lending is slowly beginning to come back. About 15 months ago we heard from Bank of America that they planned to hire 1000 people primarily dedicated to the small business sector by 2012. Read More

Much has been said over the years about the 5 C’s of lending. In fact, in some circles the talk is about the 4 C’s of lending, and yet others, including Wikipedia, refer to them as the 6 C’s of lending. But regardless of how they are categorized, let’s discuss what they are and how they apply to s Read More

We’ve been hearing about increased confidence in small business and, if you’re like me, you want to believe it - but you’re suspicious, too. How do we really know if things are getting better? How do we really know if lending is beginning to open up for small businesses? Read More

I mentioned this article to someone recently who was surprised at the limited number of debt options for startup companies. I asked her to do some research and encouraged her to come on and comment on the story if she has some other suggestions. It’s not that we’re discussing the “only” debt opti Read More

There’s good and bad news to share about startup financing for a small business. Keep in mind, we are only looking at debt options so think of loans and lines of credit that you pay back to a lender. We are not looking at any equity solutions such as angel investors, venture capital, etc. The go Read More

According to the SBA, 90% of our nations small businesses are family owned. Of course, “family owned” does not always mean it’s a husband & wife team but many of them are as referenced here. We all know that small business owners need capital today as bad or worse than ever. We’re not here to co Read More