急求关于中小企业融资问题的英文文献我们需要翻译出三千字的中文,关键是我找不到英文的文献啊 要交论文拉 我的是关于中小企业融资难的分析及建议

急求关于中小企业融资问题的英文文献我们需要翻译出三千字的中文,关键是我找不到英文的文献啊 要交论文拉 我的是关于中小企业融资难的分析及建议
急求关于中小企业融资问题的英文文献
我们需要翻译出三千字的中文,关键是我找不到英文的文献啊 要交论文拉
我的是关于中小企业融资难的分析及建议

急求关于中小企业融资问题的英文文献我们需要翻译出三千字的中文,关键是我找不到英文的文献啊 要交论文拉 我的是关于中小企业融资难的分析及建议
Commercial Financing Solutions - Think Outside The Bank
July,2007 by Stephen Bush
Commercial financing borrowers are likely to feel that a traditional bank is their best source for business financing.However,because most traditional banks focus on a small number of established industries,non-traditional (non-bank) and non-local commercial lenders should be considered for most commercial financing situations.Therefore the recommended commercial financing strategy (as discussed in this article) is to Think Outside the Bank鈥?
There are several commercial financing situations in which commercial borrowers will frequently find that non-traditional commercial lenders are better positioned to provide terms that are more advantageous to the commercial borrower:(1) Business cash advance and credit card factoring programs; (2) commercial mortgage loans; and (3) credit card processing programs.In some cases a traditional bank will offer to provide commercial financing but will attach excessively stringent terms and covenants.In other cases a traditional bank will decline the commercial financing outright,perhaps because they do not even provide business financing to the commercial borrower鈥檚 particular industry.In either case,the commercial borrower is likely to benefit by Thinking Outside the Bank鈥?
As I noted in an earlier commercial financing article,in many non-competitive business financing situations it is not unusual for a local traditional bank to impose harsher commercial financing terms than would typically be seen in a more competitive business financing market.Such traditional banks routinely take advantage of a relative lack of other commercial lenders in their local market.An appropriate response by commercial borrowers is to seek out non-bank commercial financing options.It is neither necessary nor wise for commercial borrowers to depend only upon local traditional banks for commercial financing solutions.For most commercial financing situations,a non-local and non-bank commercial lender is likely to provide improved business financing terms because they are accustomed to competing aggressively with other commercial lenders.
COMMERCIAL FINANCING EXAMPLE ONE - THINK OUTSIDE THE BANK
Business Cash Advance and Credit Card Receivables Programs
Most businesses that accept credit cards in their business will qualify for a business cash advance with their credit card receivables.Traditional banks will typically be very poor candidates to consider if a business needs assistance with credit card factoring and business cash advances.Because even thriving businesses frequently need more cash than they can borrow from a bank,it can be of critical importance for a business to Think Outside the Bank鈥 and locate non-traditional lenders to assist with this commercial financing need.
COMMERCIAL FINANCING EXAMPLE TWO - THINK OUTSIDE THE BANK
Commercial Mortgage Loans
Two of the most common commercial financing difficulties experienced by commercial borrowers can be avoided if they Think Outside the Bank鈥?The first commercial financing situation is the prevailing practice of traditional banks to avoid most special purpose properties (such as funeral homes and churches).The second commercial financing situation is the typical practice of most commercial banks to attach balloon and/or recall provisions to their commercial loans (which means that the bank can require early repayment of the commercial loan under various conditions).Both of these undesirable commercial financing situations can usually and easily be avoided by considering a non-traditional and non-bank lender.
COMMERCIAL FINANCING EXAMPLE THREE - THINK OUTSIDE THE BANK
Credit Card Processing Programs
The choice of an appropriate credit card processing service can be instrumental in improving the profitability of businesses with a high volume of credit card activity.The analysis of credit card processing providers can be effectively combined with the credit card factoring and credit card receivables process described above.In assessing a business cash advance program,it is frequently possible to simultaneously arrange for a substantial improvement in the merchant鈥檚 credit card processing program.Because traditional banks are usually not competitive in providing assistance with credit card factoring,it is equally likely that a non-traditional lender will be the primary source of effective and competitive help with credit card processing.
A closing commercial financing thought:I have written an earlier commercial financing article about commercial lenders to avoid.It should be noted that there are in fact both traditional and non-traditional (non-bank) lenders which should be avoided.So when commercial borrowers Think Outside the Bank鈥?it is still of critical importance that they are prepared to avoid a wide variety of problematic non-traditional commercial lenders in their search for viable commercial financing,especially when it involves business cash advance (credit card receivables and credit card factoring) programs,credit card processing services and commercial real estate financing.