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Despite efforts by the federal government and commercial lenders to suggest that there is ample business funding, confusion seems to be increasing about small business loans and working capital loans. As a result, the actual availability of basic business finance services such as commercial real estate financing and business cash advance programs is not clear to many commercial borrowers.

It seems apparent that there have been many reports suggesting that normal commercial finance channels are either frozen or extremely sluggish. After reviewing other funding sources, it is possible to find more commercial loan financing options than such reports might suggest. Uncertainties in credit and financial markets have produced misleading and often conflicting information about commercial financing availability. For most business owners, it is probably not clear if business finance funding is realistically available to them or not.

In spite of some admittedly bad news, there continue to be to reliable funding sources for commercial real estate loans, working capital loans and especially for business cash advances. At the same time, the current negative economic conditions will prove to be difficult for most businesses. Commercial borrowers should expect that extra efforts will be required to successfully arrange commercial financing. An especially harsh reality for business financing is that many banks have discontinued all or most of their business lending activities, often with very little advance notice.

To use an example, commercial finance reports might not accurately reflect that some specialized kinds of commercial financing have been disproportionately disrupted. Commercial borrowers might be unnecessarily confused by reports that do not refer to all commercial loan situations but rather primarily apply to a very specialized form of business financing. To illustrate with a key example, commercial construction loans are currently in short supply by most accounts. Such specialized business loans are not as easily available as they were just a few months ago, and a more accurate accounting would reflect that the number of commercial lenders currently active in construction financing has shrunk dramatically. At the same time, most commercial real estate loans without new construction have not been as severely impacted as funding requests which do involve construction financing.

Several publications have reported that most new business financing requests are on hold or have simply been rejected due to recent financial market uncertainties, and this is another example of how business finance funding reports might confuse small business owners. While the sources for this information might have been honestly told by one or more lending institutions that they are in fact deferring new commercial loan funding, this does not mean that is the case for the entire country. If the discussion involved automobile sales, it would be comparable to concluding that nobody is selling cars anywhere after learning that several major dealers and two manufacturers announced that they were going out of business due to lack of adequate sales. Just because one or more banks fail or stop making business loans, it does not mean that there are not commercial loans available from other sources.

Because the banking industry has been involved in financial disruptions of epic proportions, commercial borrowers should maintain a cautious perspective in determining how to obtain and refinance small business loans. Many banks are sounding and acting like they have been through the equivalent of a train wreck. In such a natural disaster, it might not be prudent for business owners to seek the advice of banks which effectively caused the train to derail in the first place.

Despite reports about limited availability of business financing, some commercial lending activities such as business cash advance programs are actually as active as they have ever been. In the current commercial funding crisis, small business owners should seek a commercial loans expert for a realistic assessment and candid discussion about working capital loans and business finance programs.

Premium financing is a process wherein the permanent life insurance policy premiums are being paid by some of the third parties or third party lenders and it is an excellent marketing idea. In other words it can also be put forward as premium financing is a process which aims to increase your insurance needs by the method of financing the insurance. Thus cheap car hire premium financing enables individuals, business firms and the large companies to purchase the insurance without having to sell or lock up the various assets.

The working of the premium financing works in the following way consider for example you are owning an insurance policy worth X amount of dollars and you can use the value of your insurance policy as a mode of collateral security which will enable you to finance other insurance policies. Thus in this way premium financing allows you with a wide range of insurance options open to you. There is no doubt that premium financing is very much cost effective. It is a very favorable financing option as you can secure a huge loan amount against the life insurance policy. It is quite important to understand that you are going to get a much better option or in other words you will get much better rate of interest and the term of loan for the secured and the unsecured financing.

However it is important that before getting a premium financing option you need to have a look at your financial needs and get proper advice before you go on with a financing option. There is this one question which many people have as to will it be required for them to purchase a new insurance policy or can they get the service of premium financing on their existing  insurance policies. Well the answer to this simple question would be that at the time the practice of premium financing came into existence it was a requirement that you will have to purchase new insurance policies, but now this is not the case as you can get this option of premium financing on your existing insurance policy and there is no requirement for you to take the strain of going for a new insurance policy. This will again provide you with a very much better option that would not ask for your valuable possessions to be given as collateral security.

Some other people who really take the benefit of premium financing are the wealthy investors or the business owners. It is an extremely good option for the companies that do not want to tie up their assets to purchase the large amount of insurance policies. It is also a technique which is offered for the employees to be offered as a part of their wages. It allows the firms to attract new employees and help them retain their valuable employees. Premium financing is also used as a technique for estate planning, company expansion, attracting new employees and retaining their valuable employees.

tom d’innocenzi Intercontinental business and marketing strategies professional with
more than 25 years or so understanding in worldwide sourcing and
business growth worldwide spanning essential marketplace areas.

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Many personal finance articles have been written on the issue of money.   Can’t say I have been moved to action by many.   First I’d like to say it is ok that you feel down about the current situation about your personal finances.   I give you permission to feel your feeling for the next 24 hours and then pull yourself by your boot straps and let’s what we can do.  

There exist many a definition, I want to share with you  my personal finance definition:

Financial freedom is not an event, it is a skill.

I bet right now with the current economic situation you are saying to yourself, “I just wish I could the lotto!”  Boy don’t we all and yet statistics and personal finance facts show that the majority of people who win the lottery, end up broke and worse off before their winnings! Imagine that.   You among the many seeking wealth, riches, fame few people realize that money isn’t the solution to their problems;  the way you think about money is the problem and the solution.  

I can almost see you going oh yeah, give me the money and I’ll show you change in mindset!

My favorite entrepreneur of all times, Henry Ford was once asked, “What if you lost everything you own?” He responded without missing a beat: “I’d have it all back and more within 5 years. “

Being a master of your own personal finance is not about what is in the bank; it’s about the ability to acquire the skill that will show you how to produce new streams of income and wealth based on your knowledge and experience.

So before we go any further on this issue let us tackle the real problem here that is impeding your personal finance for good!  Why you might ask?  Well without the mastery of these 5 steps, your desire for your goal for financial success and financial freedom is highly unlikely!  This is why big players in any industry have coaches, Oprah has a life coach, football players and basketball players have coaches and mentors.   Tiger woods after every bad game will go in for coaching and training.   Why?  Those who achieve great financial success do not go it alone.   They always have a team.   Those who achieve great poverty have the do it yourself mentality!

Why is it important to plan personal finances?

5 Steps That Will Guarantee You Become Master Your Personal Finances

1. How do you think about money? Say you come up with an idea to do something. Do you think that will never work?  Are you afraid to follow through?  Are you scared of loosing money or do you see every dollar spent as an investment?

2. How do you manage and invest your time?  The average man has at his disposal  6 discretionary hours.   This is time they can do whatever they want.   No work, no chores etc.   Many will watch T. V. , attend pricey sports events, spend money on meals at a restaurant and movies, see where I am going with this? Do you do personal finance budgeting?

3. How do you leverage the talents and life experiences you ALREADY POSSESS?
Most people see their experiences as failures.   They only talk of how they tried to do something as failed.   Thomas Edison failed more than I care to count, and yet he persisted to light the whole world. Many of life’s failures are people who did not realize how close they were to success when they gave up. Thomas A. Edison

4. Do you have a mentor and/or coach with a proven personal finance curriculum? This is the true measure of your desire for financial freedom.   This is where you literally put your money where your mouth is, can’t afford a mentor you say?  Well what was the last book you read? Gossip magazines do not count as literature sorry ?!

5. What do you think is “risky,” and what do you think is “safe and secure”?  Most people never break into the realm of the 5% wealthy group who own 95% of  the worlds resources because they want to play it safe.   They want the money, the fame, the accolades but they feel they should not have to go through the process of creating this wealth.   No wonder the internet and other places are full of scams and get rich quick opportunities.   Remember this success does not  happen overnight, but one night success does happen.   Someone once said to me, it takes 3 years to be an overnight success!