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<table border="0" cellpadding="3" cellspacing="1" width="100%" class="forumline"> <tr> <th class="thCornerL" width="22%" height="26">Author</th> <th class="thCornerR">Message</th> </tr> <tr> <td width="22%" align="left" valign="top" class="row1"><span class="name"><a name=""></a><b>cejy66vd</b></span></td> <td class="row1" height="28" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%"><img src="http://picsrv.fora.pl/subSilver/images/icon_minipost.gif" width="12" height="9" alt="Post" title="Post" border="0" /><span class="postdetails">Posted: Sat 19:26, 07 Sep 2013<span class="gen"> </span> Post subject: hollister co france The Small Business Financing C</span></td> </tr> <tr> <td colspan="2"><hr /></td> </tr> <tr> <td colspan="2"><span class="postbody">The current small business credit crunch is getting much attention and rightly so. We know very little about the overall small business universe because it is so huge and diverse. 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All of these factors, in combination, result in less creditworthy private companies. <br /> <br /> Credit Cards <br /> <br /> Another common source of capital is using credit cards typically based on the personal credit of the owner. Credit card companies have tightened credit standards for getting new or increasing existing credit lines. In many cases they have actually reduced existing credit limits. [url=http://www.gotprintsigns.com/jordanpascher/]air jordan pas cher[/url] As discussed above, the creditworthiness of both the owners and the company has declined. The result is that credit card financing is less available and tougher to get. <br /> <br /> Bank Financing <br /> <br /> Many banks have funds available and seem willing to increase small [url=http://www.orlando-apts.com/nfljerseys/]nfl jerseys[/url] business lending, but have other issues preventing them from doing so. The demand for business loans has decreased because many companies are cutting back or forgoing expansion. As discussed above, there are fewer creditworthy companies. Many banks are facing increased pressure from regulators to reduce risk while experiencing difficulties with some of their commercial real estate loans. Although small business loans can be very profitable, they are very risky. Many small banks are more familiar with other types of loans and may have little experience dealing with Small Business Administration (SBA) loan programs. Continuing issues with the funding of SBA programs has created some doubt about the availability of loan guarantees. Again, the result is bank financing is less available and tougher to get. <br /> <br /> Conclusion <br /> <br /> All of these issues create a complex small business financing crisis that requires broad based solutions. 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