Some of the most effective new small business loan sources are operating regionally rather than nationally. Realistic commercial loan solutions will depend on a combination of underwriting criteria such as (1) type of financing; (2) business activities; (3) size of loan; (4) business location; (5) length of operating history; (6) cash flow; and (7) debt repayment history. Business owners need to be aware that there are a number of active commercial lenders which are currently making small business loans to businesses. While there are viable solutions and some new commercial financing sources, even the most effective small business financing sources will not be able to help all businesses. However, because many small business owners are being routinely told by current lenders that they cannot provide needed small business loan and working capital help, commercial borrowers should anticipate that new commercial loan sources might be needed.
