Is State Run Banking Better For Small Business Loans?

December 27, 2011 By Leave a Comment

North Dakota Small Business LoansIt is not that often that we look to North Dakota as a model for small business loans but the successes of the state’s banking system has spurred other states to take notice.  Of all the 50 states in our country, North Dakota is the only one with an official state bank.

The Bank Of North Dakota was founded in 1919 and as the official state bank, all state run agencies are required to bank with them.  The bank then serves as the hub of local development by making small business loans, farm loans and other economic development projects.  The fact that North Dakota is the only state without a budget deficit since the credit crunch began, has political rabble-rousers from around the country demanding their state’s look into such a system.

There are a lot of factors in play for North Dakota which may be leading  to their budget surplus and low unemployment and mirroring their state run bank may not work so well in other areas.  Nevertheless, several states have formed committees to do feasibility studies on the subject and within a few years we may other states following suit.

But critics of such measures have some very valid points.  The fact that North Dakota has the only state run bank in the Union does not mean they are the only state on the ball.  Every state has had the option to introduce legislation and chosen not to.  The main reason is that they do not see a need.

The truth is that a state run bank may sound like a good idea, but those claiming they need the state’s help securing favorable small business loans are not going to be good candidates for borrowing anyway.  Attractive business borrowers have access to capital in North Dakota and the rest of the country within the private sector.  In fact small business loans may be easier than ever to get for start-ups and low dollar borrowers.

North Dakota’s Banking success is very impressive but not really scalable.  Local businesses who are able to get business loans from the Bank Of North Dakota are viable candidates at any bank.  It is the other borrowers, who may require some creative financing options, which are the ones that need the most help.  Legislation and exploratory committees not necessarily the cure the economy.

If you are looking for a small business loan and have not yet established business credit, now is the perfect time to obtain financing.  Fewer small business borrowers are looking to banks, state run or not, for loans.  The funds with favorable terms are simply not there for most borrowers.  Programs like Seed Capital, help put new businesses, franchises and undercapitalized outfits in position to get unsecured business loans with very favorable terms.

All it takes is a free application and any business will find out if they qualify for these type of small business within just a few days.  The process is simple and there are programs available for nearly every business type.  So if you are in North Dakota, or anywhere else, apply for your small business loan today.

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Business Loans Oregon

December 26, 2011 By Leave a Comment

Is It A Good Time To Get A Business Loan In Oregon?

business loans oregonNext in are coverage of State’s business loans program is Oregon.  Oregon will start accepting business loans applications later this week due to their acceptance of over $16 million in federal funds.  Oregon already has a strong business loan program and these latest funds elevate state caps to at least $165 million to help bolster the local economy.

Just as with other states, lenders are seeking Federal assistance to strengthen their positions as they try and get capital into the hands of those who need it most, small business owners.  It is a kind way of saying that lenders are trying to reduce their risk exposure in difficult times, especially since they are under far greater scrutiny than in times past.

The buzz word in Oregon is jobs creation, so this program is getting a lot of public support.  But, does the public really expect to be able to get a favorable business loan?  Let’s hope not.  First, as with any State program, applicants should be solid risks.  The days of bailouts are over and anyone with less than stellar business credit or lack of a solid business plan, need not apply.

As harsh as this may sound it needs to be stated that federally backed business loans are not for everybody.  In fact the average business borrower is not even close to being a candidate because of the tough choices they have made in order to keep their doors open.  As much as they should be applauded for biting the bullet and shouldering the burden during dismal economic time, they will actually be punished.

Help is not on the way through the Oregon business loans program or any other.  While it is true that these state programs that we so much about on the news have provided millions of dollars in favorable business loans to countless businesses over the years, they are not geared toward the average borrowers.  What is good about them is they relay a positive message about the lending climate and subconsciously encourage those thinking about borrowing, to actually begin to investigate the process.

So How Do You Get A Business Loan?

Fortunately, getting a business loan is as easy as it has been all along.  Even in a down economy, lenders are willing to lend, as long as you know how to ask.  For the average business borrower with good personal credit, a business loan with favorable terms and even deferred interest payments are easy to secure.  Seed Capital can guarantee a minimum of $50,000 in unsecured credit lines based on filling out the form to the right.

You do not have to worry if you have no established business credit or payment history because the Seed Capital program is designed to leverage personal credit into a strong PAYDEX score which will bring even more borrowing opportunities in the future.  So if you are looking for a business loan in Oregon or anywhere else in the United States you just may be in luck.

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Get A Business Loan In 2012

December 24, 2011 By Leave a Comment

Business LoanIt is never too early to plan for your business loan in 2012.  Contrary to popular belief, securing a business loan has never been easier than it is right now and here is why.  People believe the only place to get them is through a bank, and the only ones available are regulated by SBA guidelines.  This is simply not true.  If you have good personal credit, there are programs out there to deliver the capital you need.

It has been proven that nearly 80% of all new businesses fail due to undercapitalization so understanding how to get a business loan, and what type of options are available, is crucial for your future success.  For example, did you know that you can get business lines of credit which do not appear on the credit file of the business owner?  It only takes about two weeks to get an unsecured line up to $150,000 with terms as low as 0%. Most business owners have no idea something like this even exists.

But first, it is important to understand the differences between business and personal credit.  Getting loans based on personal credit uses a person’s FICO score.  A score over 720 is considered good and helps people get credit with favorable terms.  But taking a loan for let’s say, a car, and can hurt your ability to borrow because loans are available for the value of the car and therefore you are using more than 30% of your available loan which can make securing further credit more difficult.

How To Get A Business Loan

In business, underwriters look at the PAYDEX score.  Someone with a perfect repayment history can receive an 80 PAYDEX score and unlike personal credit, using your business loan will not hurt your PAYDEX score.  When trying establish business credit it is important to develop two types of credit.  Cash Credit and Supply Credit.

Cash credit includes bank loans, credit lines and credit cards.  Supply Credit includes vendor accounts like gas cards, shipping suppliers and office suppliers.  With proper business evaluation business owners can strategically apply for credit in both of these categories.  With several applications, business loans totaling up to $150,000 is easily achievable.  Once credit is obtained you can then begin working to establish that all important PAYDEX score by making sure your payment history becomes flawless.  This will begin to take shape about 4 months after the first business loan.

Keep in mind that a PAYDEX score of 80 is what will serve to create more, and better, borrowing options for a business in the future.  But in the beginning, it is important to learn to utilize the initial credit lines that were opened in order to insure maximum profitability for your business.  Managing your initial lines well will help strengthen the relationships between a business and the lender and help increase the amount of credit being offered that very lender.

It is not difficult to get involved in such a program, especially with Seed Capital.  There are no business age or income restrictions.  This means that established companies or start ups can benefit from such strategies.  The only requirement to get started is that there must be a principal of the company with at least a 720 FICO score and relatively low usage of available credit.

So no matter what the state of economy may appear to be, and what you have read about the credit markets, getting a business loan is just as easy in 2012 as it has been during the best of times.

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New Jersey Business Loans

December 7, 2011 By Leave a Comment

New Jersey Business LoansIn our efforts to keep our business loans audience aware of happenings concerning them and their local states, today we focus on news out of New Jersey.  It may come as a surprise to many that each state is yet to have a fully viable business loans program that offers favorable terms to small business, but New Jersey now hopes to rectify that.

Proposal (S-3052) which aims to help New Jersey small business owners with a commitment to hiring gain access to capital was introduced and approved by the State Assembly earlier this week and is now on its way to the desk of Governor Chris Christie.

The proposal comes with plenty of red tape but for those well qualified businesses, the effort will be worth it.  Business Loans up to $250,000 may be provided at rates as low as 2% for businesses who will work toward increasing their hires by 10% over the next 4 years.  The proceeds do not need to be earmarked for salaries per say.  Monies can be used for capital purchases or other necessary business investment which will support the framework for future hires.

Any independently operated and owned New Jersey based business which currently employs fewer than one hundred people and has raised less than $10 million in equity financing or has received $10 million or less in monies from other sources is encouraged to apply through the state’s Economic Development Authority.

One of the most interesting facts about the New Jersey program is that its operating costs will be covered by the loan repayments and not be subsidized by the taxpayers.  With unemployment approaching 10% within New Jersey, burdened taxpayers will likely applaud the program as opposed to other state programs which have been plagued by criticism.

While certainly not a program for the “every man”, we applaud New Jersey for understand that there is a true need to get money into the hands of small business which is the driving force of any real hopes of an economic recovery.  There have been less politicians looking to gain political capital by attaching their names to the legislation as we have seen in other states so this proposal may be better intended and more viable skeptics may argue.

But, those New Jersey small business is desperate need of capital that do not have good business credit will not be welcomed with open arms.  These business loans are intended for attractive borrowers with good credit histories and solid business plans moving forward over the next several years.  From this perspective it may seem like empty promises from Government but taking bad lending risks and becoming business partners in sub par ventures should not be the role of Government and the buck has to stop somewhere.

Non traditional lending sources are still out there servicing start-ups and entrepreneurial ventures and rates are plenty favorable.  For those owners with good personal credit, there are even unsecured business loans available with interest deferrals and minimum loan amounts of $50,000 and higher.  There are few, if any, restrictions on how proceeds are earmarked and can even be used to restructure current debt which is never an option within the state programs.

Even businesses who are suited for the New Jersey Business Loans program, when it goes into effect, may find they are more comfortable with the terms they can get elsewhere because they allow more freedom and flexibility to manage their operations as they see fit.

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Michigan Business Loans Program Serves As Model

November 19, 2011 By Leave a Comment

michigan small business loansThe Michigan Business Loans Program should serve as a model for the rest of the States trying to spur local lending but Michigan faces deeper challenges than most.  Remember that the federal government has earmarked special funds for state lending programs over the last 2 years but nobody is calling any these programs a whopping success.

We had made mention of the Michigan Business Loans program some time ago as it began with little fanfare but now it should serve as a model for others because the general intent of the program is being honored.  The intent is nothing more than to think and act locally.  The Federal mantra has been that the small business sector would fuel job creation and expansion which, in turn, would help jump start the economy.

The SBA business loans which actually could have helped turn our economy around were grossly mismanaged and the time it took for community banks to understand the guidelines, apply for entry and actually participate in the programs was enough to stall the pipeline before it started.  We can take comfort in the fact that it is business as usual in Washington as these loan programs were never anything more than political posturing for statesmen looking to calm the nerves of constituents.

In reality, the Michigan program was no different than any other but they have stayed the course and found ways to bolster investment in their Pure Michigan Business Connect program which encourages business in the state to support other local businesses.  Borrowing at home to invest at home seems to be a better plan than waiting for SBA backed money to trickle in.

In this case, Fifth Third Bank has agreed to lend up to $2.5 billion to Michigan businesses next year.  Although they are Ohio based, there is no border war here.  Working closely with the administrators of the Michigan program, Fifth Third can get a better understanding of the local economy and make business loans which make sense for the entire community.  Michigan has been hit harder than most states and keeping money local is the best way to stop the bleeding.

Throwing money at Michiganders does not guarantee a Michigan comeback but the way it is being done will assure that business with good financial history and solid business plans will have access to quality business loans.  Having said that, it is important to note that these loans are not gifts for people with the right address. Just because you have a business in Michigan and need capital does not make you a candidate for a loan.

These loans only for the well qualified. Underwriters are extremely diligent in the approval process because they are now held more accountable for the loans that go bad.  This is exactly how it should be but may not be the news the small business wants to hear.  There are very worthy borrowers out there who look bad on paper due to their actions over the last few years.

Responsible business owners have had to take on more debt and absorb the burdens of running a business during lean times.  Although they should be rewarded for keeping the doors open, enduring the costs of salaries and being on the front lines for a recovery, they will not be.  The restrictions on these loans make it difficult to restructure current debt so business owners looking for a band aid to stop their bleeding may have to look elsewhere.

There are many ways to get business loans for those with a few dings on their business credit and lenders are definitely lending.  But, the reason the Michigan Business Loans program should be a model for other states is because by definition it attracts business development unlike other states like California.  For any Michigan business not yet eligible for loans within the program, building their business credit using unsecured business loans will get them ready to qualify by establishing a good repayment history.

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Big Banks Still Skiddish On Business Loans

November 16, 2011 By Leave a Comment

business loansIf you have watched prime time television over the last few months, you would think that business loans are easy to get and literally driving the economy.  The large banks, like Bank Of America, are running very heart warming commercials touting their successes and their commitment to the little guy.

The ads run the gamut from Small Town America to the mean streets of Los Angeles, but true to form, they are nothing more than clever marketing strategies to counter the bad press they have been receiving on other fronts.  For the chosen few there certainly are business loans available from the big monster mega banks but these are the exceptions and not the rule at a time when small businesses need help.

If you refer back to the countless mentions of the Small Business Jobs Act of 2010, you will remember that this legislation was touted by Politicians as the way to turn the economy around.  Getting business loans into the hands of small business owners to hire and expand was seen as the best way forward, and for anyone just interested in photo ops and fluff, it was a momentary political victory.

But, for the small business sector, it yielded little fruit.  The business loans programs were certainly a good idea but government red tape and mismanagement clogged the pipeline and the money did not begin to trickle down until early July 2011, a mere 6 months before the program was slated to end.   However, the well intended funds were never meant to fall into the hands of the undeserving.

Extremely attractive borrowers were the ultimate target for these business loans so for those trying to stay afloat in this down economy, help was never really on the way.  The majority of small businesses who are “burdened” with fixing the economy are drowning in the debt they have taken on over the last 3 years in order to survive.  Even the most successful ventures could not have foreseen the rough waters ahead so letting their business credit scores slip and overextending themselves may have seemed like the best option at the time.

But believing that the easy access to capital promised by government officials was on the way was a pipe dream for most, and seeing commercials about how their friends and neighbors are flourishing due to the help of banks with well endowed advertising budgets should be seen as nothing more than time fillers between contestants on Dancing With The Stars.  The fact remains that small business owners with decent track records and solid business plans are being routinely turned downed for SBA business loans regardless of what the banking industry’s creative statistics show.

Where To Get Business Loans

Bankers are not shy about pointing the finger at the SBA for dragging their heels but are skiddish on making realistic business loans to reasonably qualified applicants due to perceived risks.  Pushing through applications is no longer the goal of originators who are spending more time trying to figure out how to keep more cash on hand as assets.

The only real solution for small business owners to find suitable business loans is to turn to small community banks and non-banking lenders.  The community banks are more willing to lend than their larger counterparts but their underwriting guidelines are increasingly stringent.  However, the ability to cultivate relationships with local banks will be helpful if not for now, but for the future.  Getting on the radar screen of your local lenders can pay off down the road.

For those with less than stellar business credit there are myriads of non-banking lenders out there to serve you.  Learning about unsecured business lines of credit might actually surprise people when they discover the friendly terms and ample loan amounts. These types of business loans are generally easy to secure, easy to apply for and have lightning fast turn around times.

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Why Stop SBA Business Loans?

November 5, 2011 By Leave a Comment

Business LoansIt is still a common belief increasing the availability of business loans will help stimulate the economy so many are calling Washington to task over ending the funding for the lending portion of the Small Business Job Act of 2010.  Nobody disputes that the fund was mismanaged and funds were bottled up far too long to be effective, but now as loans reach borrowers we come to find out that money earmarked for the program stopped in January of this year.

The main benefits of the program were increased guarantees on funds from 75% to 90% which lessened lenders exposure, and higher business loans amounts which could cap out at $5million as opposed to the previous cap of $2million.  No matter what the headlines say, once the funds began to trickle into individual state’s loan programs and the community banks best set up to offer the loans, demand for the money skyrocketed. It took a while to prime the pump but the program was working.

So if making attractive business loans available to small business owners is something that works, and is a good way to infuse capital in to the economy, why end it?  After all, the SBA which administrates the program, also puts out statistics which say that small businesses employ over half the the U.S. workforce.   Keeping money flowing to such employers would seem prudent, especially in a time like this.

Current SBA Business Loans Program To End

The basis of the program has always been as a vehicle to use community and small banks to get money into the economy at the local level by facilitating local small business loans.  The catch, however, is that this money is intended for well qualified borrowers with a good credit history or some other characteristic which makes them very low risk.  This is probably something that any government backed program should consider but by its very nature, the SBA business lending program may not meet the needs of its targeted demographic.

The program works and should be continued now that the money is flowing, but calling for renewal of such a selective program is not the answer small business owners may be looking for.   Chances are that those who need the governments help the most will not qualify for the program.  The money from these business loans comes with restrictions on how the proceeds can be used.

For example, the funds from SBA loans cannot be used to pay down current debt.  Maybe in better times this wouldn’t be a deal breaker for borrowers but many small business owners have taken on enormous debt at very unfavorable terms just to keep their doors open.  They may be looking for business loans precisely for this reason.  Forget about expansion or hiring, businesses hanging on by a thread need capital for other reasons.

Luckily for those who need more than what the government has to offer can still find business loans through other means.  Seed Capital offers free qualifying and can guarantee a minimum of $50,000 per qualified borrower.

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SBA 504 Business Loans Helping Drive Recovery

November 2, 2011 By Leave a Comment

SBA Business LoansWe receive a lot of questions about SBA business loans and the one thing we like to make clear is that they are great if you can get them.  And there lies the problem.  Borrowers hear so much about them and believe they are the only way to get financing, that if they do not qualify, they think there nothing out there for them.

Here is an example of a recent news story illustrating success using the SBA 504 small business loans program.  Keep in mind this is the exception and not the norm, which is what draws the ire from critics who believe the SBA is out of touch with today’s business borrowers.  We’ll start with a nameless commercial real estate owners and how he got his sba business loans.

The owner wanted revitalize his depreciating shopping center and pump some new life into it during the economic downturn because he believed it would be cheaper to do so while lenders are having a hard time finding qualified borrowers.  In his case he was correct and found an SBA backed loan for $3million dollars to complete his west coast project.

The SBA 504 program is nothing new.  It was developed over 30 years to help small to medium sized business secure financing but is becoming more popular now do to incentives being offered to lenders by the SBA.   The main one being a federal guarantee of up to 90% on business loans which significantly reduces a lenders exposure.

They are becoming more attractive to business owners as well because they have good rates and long terms.  With commercial real estate being as cheap as it is right now, many borrowers are looking to the program to reduce their barriers to entry and/or enticing them to renovate.  Our example owner was able to tap the SBA when most lenders without such backing would stay away.

The SBA is making a concerted effort to drive investment toward expansion and hiring wherever possible and this is great news to hear as we see their number of such business loans increasing but the problem is that this does not really represent the needs of small business owners in general.  People who qualify for SBA 504 loans or other SBA programs are extremely well qualified and seeing stories about these type of transactions send out false messages.

Business owners who need to pay off accruing debt before they hire and expand may be out of luck.  Debt and repayment of that debt has been a problem for many over the last 3 years and this will keep them out of an attractive program like the 504.  Restructuring debt is a huge concern for small businesses but the Government isn’t interested in partnering up with those people.

The point here is that even though our example owners is one of the “little guys”, he was at the helm of medium sized fluid venture.  Most of us are not and seeing puff pieces about our fellow “little guys” on the news is more propaganda than anything else.  When people see this, they rush out to the banks for business loans and when they are rejected without even going through the application process they believe they are out of luck.

Instead of publicizing the SBA 504 Business Loans program on the national news, perhaps it would better serve the community to run stories on small business owners who are finding creative financing through non-traditional lenders offering business lines of credit or unsecured business loans.  Borrowers are having huge success getting business loans this way and pointing this out might actually make for some real human interest stories.

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Business Loans Take A Dip

October 31, 2011 By Leave a Comment

Busines LoansLast week Forbes had a nice little business loans article addressing the lack of new originations over that last few years.  This is something we have mentioned but believe people too much emphasis on the trend without really understanding that it does not really matter.

The FDIC is showing that since their high in 2007, business loans have fallen by nearly 40%.  These were mainly loans of less than $1million made to small business and as a result numbers are now slower than way back in 1999.  Keep in mind that today we have nearly 10 million more small businesses out there than we did a decade ago so what is really happening.

Analyzing the numbers does not really help reveal is the problem is a lack of supply from willing lenders or the decline in demand from small business owners seeking new business loans. Both factors are clearly contributing to the decline but changing things from which standpoint is the will help bring the numbers back?

What Do The Business Loans Numbers Mean?

While it’s taken longer for the amount of credit to shrink, we’ve also seen a large contraction in the outstanding balance of small loans. The good news for readers of this blog, and our potential customers, is that it does not matter.  Seed Capital has access to more business loans programs than ever before.

The trends people talk about in the news do not necessarily reflect the reality of what is going on the marketplace because the numbers consider only traditional business lending.  SBA programs have taken a hit over the last two years even though promises have been made to spur lending.

Poor implementation of the new Small Business Jobs Act of 2010 is to blame for community banks with access to capital not getting it into the hands of local businesses but most borrowers are not really great candidates for such programs.  Perhaps most people believe that if you want a business loans then you go to the bank and apply, but underwriting guidelines have stiffened and only the most credit worthy applicants need apply.

For those borrowers who want money but do not believe they will be attractive to traditional lenders, alternative programs are available.  Even well qualified applicants may wish to research these opportunities because the funds come with very few restrictions on how proceeds are spent.  Most people don’t realize that SBA business loans can not be used to pay down current business debt.

There Are Alternative Business Loans Programs!

Our current economic conditions have created an atmosphere of business debt.  Owners have literally mortgaged themselves to the hilt in order to survive and ride out the tough times. Now that things may be turning around for them, they are unable to restructure their debt using SBA money.  This comes as a shock to many applicants but there is no way around it.

However, unsecured business loans offer the opportunity for owners to use their funds in any way they see fit.  There are interest deferment options and low interest rates which make unsecured business loans even more attractive than many of the traditional programs currently denying applicants.  So if you are looking for business loans make sure to do your due diligence and call Seed Capital today!

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Demand For Business Loans Only Appears Low

October 26, 2011 By Leave a Comment

Business LoansIt is shocking to find out that business loans experts are reporting that demand is the lowest it has been since 2003. How can this be? With more business owners wanting money you would think that the numbers reported would be through the roof.

But what is not being considered is the turn down rate and the perceived turn down rate. That is to say a majority of people who want business loans do not even apply because they believe they will be turned down. Even though they can qualify for many types of programs the numbers of people who do not bother to apply should somehow be included so that it shows demand is still there.

Tough economic times have meant changes for everyone. The consequences for the past culture of pushing through risky financings are being realized at one of the turning points in our plans for economic recovery. Banks are now held to a tougher underwriting standard and have been bailed out while the small business owner’s bailout is not coming.

It would not be a stretch to say that the small business sector is probably a little more deserving of some sort of bailout than an industry who knowingly made bad loans and is largely responsible for the entire scope of the credit crunch, but things are the way they are. What the current situation shows more than anything is what a bad job lenders are doing to educate their market.

Business Loans For Most Who Apply

The burden of recovery and job creation are clearly being put on small business yet the business loans programs promised by the creation of the Small Business Jobs Act of 2010 are proving to be out of reach for most who need them. There is absolutely no reason why federally backed money should be handed out at high risk to the taxpayers leading potential borrowers to believe that help in on the way benefits nobody.

The underwriting guidelines for SBA business loans through the program are strict and these loans, as they should have been all along, only go to the well qualified. But the well qualified and attractive do not represent majority of borrowers shouldering the responsibility of creating jobs. The group with the most power are those drowning in debt who have mortgage the farm to keep the doors open and their employees working through one of the toughest periods in America since before World War II.

There is however, a segment of small business who are in terrific shape to borrow for expansion but they lack the collateral which banks want to lessen their exposure to risk. Many borrowers have devalued real estate which made great collateral in the past, but banks do not want to be stock with real estate in areas where there is high unemployment and little growth.

It sounds like a catch 22 for all but those with money to lend, especially to borrowers of higher risk, need to advertise and educate potential borrowers to how they might fit perfectly into certain programs which are not represented by the SBA initiatives we hear so much about in the news. The money is there, people just need to learn how to get it.

Look For Alternative Business Loans

There are business loans available to just about anyone who applies. Look for alternative programs that provide free applications and approve borrowers within only a few days. Pay attention to those who will lend based on personal credit with no required collateral. Make sure read all disclosures and ask for references. Any reputable lender will be up front about the types of business loans they provide and the repayment terms and schedules.

Just because the numbers reported in the news say demand is low, does not mean that people do not want business loans. The number of potential borrowers out there is staggering and the number of lenders willing to provide capital is equal to the task. The worst thing you can do is assume you will not qualify for competitive business loans and not even bother to apply.

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