The Working Capital Guide

Business Finance Working Capital

The Working Capital Journal

The Working Capital Guide (also referred to as The Working Capital Journal) is an important (and free) business finance working capital resource published by AEX Commercial Financing Group.

The consistent goal of this AEX publication is to provide small business owners with a concise source of data, advice and strategies that apply to the current difficult commercial funding environment for small business loans and commercial real estate financing. As you will see, The Working Capital Guide provides a comprehensive discussion about a number of commercial finance topics likely to be of special interest for most small businesses — these issues include:

• Firing your commercial banker and finding new sources for working capital loans
• Growing problems with SBA loans and SBA loan refinancing
  
• The increasing value of business finance consulting
  
• Avoiding problems with credit card processing and business cash advance programs
  

We encourage commercial borrowers to contact us directly, either to share their own experiences so that we can further publicize the situation or to seek our help with difficult commercial loans. 

Looking for Words of Wisdom about Working Capital Financing

The analysis of so-called wisdom offered by commercial loan experts is a common difficulty in seeking possible solutions for small business finance problems. Attempts to obtain small business financing advice will frequently produce a number of opinions which can be in direct conflict with each other. In such cases it is frequently helpful to apply the wisdom from earlier generations, especially when it provides a simple and straightforward lesson that is relevant to the current circumstances.

The Watergate break-in four decades ago resulted in a constitutional crisis. An enterprising pair of journalists (Carl Bernstein and Bob Woodward) eventually cracked the case by applying a number of skillful techniques to a complex criminal and political drama. They did not accomplish this feat in isolation and had substantial help from others. When investigating this complicated puzzle that was made even more confusing because so many parties were engaging in intentional deception at almost every turn, the assistance consistently included such wise advice that they “follow the money”.

In the world of small business finance, there appear to be a number of instances in which the wisdom of “following the money” could be very instructive. One event that comes to mind involves the ongoing mystery of what happened to the trillion dollars given to banks which was supposed to energize commercial lending to small businesses but which instead cannot be accounted for by most bankers when they are asked about what they did with these funds. Primarily because of the woeful state of business loans and commercial real estate financing, this question does continue to keep coming to the surface.

When small business owners are seeking help with commercial mortgages and working capital, they should benefit by applying a variation of the “follow the money” mentality. A good starting point is to ask a business lender to provide detailed commercial loan activity covering the most recent two or more years. Their failure to be forthcoming with this data will be just as illuminating as their willingness to openly share how actively they are really lending to small businesses on a regular and ongoing basis.

Business Finance Working Capital Programs throughout the United States