aexbusinesscommunications

Business Bank Consulting

bushaex — Fri, 10 Feb 2012 17:57:58 +0000

Commercial Bank Consulting Can Help Avoid "Bad Banks" and "Zombie Banks"

The practical need for business bank consulting by a commercial borrower is illustrated by a small business owner trying to obtain prudent and timely help for evaluating and choosing a business lender. This might involve the evaluation of both current and prospective banks or other commercial lenders. In today’s uncertain commercial lending climate for small businesses everywhere, it is imperative to avoid “bad banks” as well as to find “good banks” that are actively lending. Because this process can be both time-consuming and require some specialized expertise, the use of a qualified business bank consultant should be considered. Overall the realistic goal for small business owners is to find effective commercial lending alternatives that are capable of saying “Yes” to routine requests for commercial mortgages and working capital.

What Are Zombie Banks?

bushaex — Fri, 27 Jan 2012 18:43:47 +0000

Banks and Banking

Before engaging in commercial lender negotiating with any bank, it is important to determine if they are a “good bank” or a “bad bank”. A banking description that is being seen more frequently is “zombie bank”. This generally refers to a banking institution that has a negative net worth and that would not be operational if not for government guarantees or other financial support. This concept is more relevant than most bankers care to admit, so it is important for commercial borrowers to do their own due diligence when they are looking for commercial real estate loans and working capital financing.

Commercial Finance Communication Strategies to Reduce Common Risks

bushaex — Thu, 12 Jan 2012 19:53:13 +0000

Improving Risk Management with Business Finance Communication Strategies

The prudent use of risk management is just beginning to emerge on a larger scale for small businesses through improved business finance communication strategies. Most small business owners will readily admit to an intense dislike of communicating with their banker, so it should really not be so surprising to discover that many critical details get overlooked as a result. Putting commercial lender communications on the back burner will understandably cause unnecessary problems and risks to emerge sooner or later.

The most effective commercial finance communication strategies will vary significantly from one small business to another. The usual lack of a simplified strategy will probably discourage many small business owners from even attempting to pursue meaningful efforts for achieving improved business solutions. Certainly specialized help such as business finance communications consultants should be considered given the potential problems and costs which are likely to accrue if serious problem solving is delayed or not even attempted until it is realistically too late.

Business Finance Communications Becomes Even More Important

bushaex — Tue, 27 Dec 2011 17:35:33 +0000

Commercial Finance Communications Help for Small Businesses

While the high value of business lender communications might be obvious to many small business owners, the use of commercial finance communication techniques has also been overlooked by a surprisingly large group of small businesses. During the past several years, business lending has suddenly taken a turn for the worse, and the growing shortage of commercial financing combined with increased bank failures has literally forced business borrowers to pay more attention to new strategies for helping their business survive. As a result, small businesses which had previously ignored or doubted the importance of business finance communications should almost be standing in line to begin the process of elevating this helpful management tool to a priority position on their “to do” list.

At the same time, commercial borrowers which have already recognized the crucial value of commercial lender communications should also witness an elevated importance as they deal with a crumbling universe of business banks and other commercial lending sources. As I have previously noted, it is highly likely that the nature of commercial banking has changed forever. No matter whether this ends up being true to either a small or large extent, enhanced (or at least revised) business finance communication practices will be a positive element when formulating effective business solutions.

Commercial Lender Negotiations

bushaex — Mon, 12 Dec 2011 18:02:28 +0000

Small Business Negotiation Strategies and Commercial Lenders

The value of discussing commercial lender negotiations within the context of small business communications is illustrated by the following observation that I made in an article about business solutions: “There is possibly no better example of underutilized small business negotiation strategies than the general lack of solid negotiating practices when most small businesses are working with commercial lenders.”

Most business owners will probably insist that they would genuinely like to be able to devote more efforts to improving communications with their bank or other business lending source. However financial and time resources generally will be allocated according to practical constraints, and small business solutions will need to be implemented according to both internal and external priorities. To compound the difficulty even further, the most effective commercial lender negotiating strategies are likely to vary significantly from one scenario to another.

A Thank You for WordPress.com Business Communications Help

bushaex — Fri, 25 Nov 2011 17:45:54 +0000

Business Communications Help

In this traditional period of Thanksgiving, it seems more than appropriate that WordPress.com reached out to help when Google decided to eliminate their Knol service earlier this week. I want to thank WordPress because (1) I was one of the many impacted by this situation and (2) it is apparent that there is an ongoing commitment at WordPress.com to such a giving and caring attitude. I will be doing my best to contribute in this spirit as I continue to offer my own help involving commercial finance and small business communications.