Solutions For the Business Financing Puzzle

  The comparison of small business financing to a puzzle is not meant to diminish the critical importance of success by business owners when they encounter difficulties with commercial lenders. The most practical goal for using a puzzle analogy in this article is to help describe an otherwise complex working capital and commercial finance situation in a more understandable way. The current commercial loan stakes for commercial borrowers are high because their business survival might be hanging in the balance. In using a puzzle comparison, this analogy provides an opportunity to evaluate the commercial loans puzzle (a challenging commercial lending climate) as something that tests the ingenuity of small businesses to solve. When reviewing the current small business finance environment, an increasing number of commercial borrowers are comparing what they are finding to a puzzle with pieces scattered everywhere. The ongoing descriptions of commercial financing in terms of solving a puzzle