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Submitted by: Stephen Bush

This report was intentionally designed to produce a concise overview of several complex small business financing issues by describing commercial loan difficulties in six words. To help small business owners survive an extremely challenging commercial lending environment, this article is one of several efforts we have undertaken. A better understanding of practical business finance options for commercial borrowers should also be realized by reviewing related reports such as “six words describing working capital management” and “seven words to describe merchant cash advances”.

Before proceeding, it is important to emphasize that small business finance options are often more complicated than anticipated by many business borrowers. We are definitely not attempting to characterize business loans and working capital financing as either straightforward or simple. Actually, we are making the opposite case. The unfortunate reality that most business financing processes have always been excessively complicated and that meaningful improvements are not on the way is one of our ongoing observations. In the face of the prevailing commercial lending complexity, we nevertheless feel that it is critical for each small business owner to have an absolute and total understanding of the entire commercial finance process. To help in providing more understandable insights about commercial loans and business banking problems, this particular report is one of several thorough efforts on our part.

“Business financing is in intensive care” is our first six-word observation in this article. Extreme measures such as firing their banker and finding alternative commercial funding sources will need to be anticipated by small business owners in many cases. Nobody should expect that bankers will publicly announce that they are in any kind of financial trouble after recalling that they have not been sufficiently candid about commercial lending problems in the past. In a contrary viewpoint, banks seemingly maintain that they are lending normally to small businesses. Commercial borrowers will need a healthy amount of skepticism when dealing with any commercial lender.

Our second example of six words describing business financing options is “banks are saying no more often”. A series of candid conversations with other business borrowers will probably remove all doubts for any small business owner still unaware of this harsh reality and who might doubt this observation. The failure of banks to provide an adequate level of business loans on a widespread basis is the primary point to remember. It is important for small businesses to realize that they are not alone when they hear their bank say no to routine requests for commercial financing.

“Lines of credit are disappearing fast” is another six-word description of commercial financing. Even the most successful businesses need a reliable source of working capital financing, so this situation is especially serious if a business cannot replace bank financing when it suddenly disappears. On a widespread basis banks are reducing and eliminating business credit lines with almost no advance notice, and this must be realized even if a business still has an adequate line of credit.

“Commercial property values have decreased dramatically” is our final observation in this report. There are very few exceptions. Commercial refinancing situations will probably produce the biggest business financing impact. Even if a business owner has no interest in refinancing their commercial mortgage, many banks are aggressively recalling (revoking or rescinding) existing commercial real estate loans and this literally forces a borrower to seek business refinancing from another lender whether they want it or not. With decreasing commercial real estate values, business refinancing will be a challenge for most small businesses.

This report was produced in a direct effort to provide more understandable insights about some of the most critical business finance issues effecting commercial borrowers. Our approach in this report was to describe current commercial loan circumstances in six words. We have adopted a similar model in other commercial finance reports such as “seven words to describe commercial property loans”. The “simpler is better” perspective reflects the belief that after hearing an almost endless number of reports about commercial lending difficulties, what small business owners might really need is a more concise explanation about these problems and the resulting impact on their business financing options.

About the Author: Stephen Bush has provided practical commercial finance expert advice to small businesses for 30 years. He delivers

small business financing

options, merchant cash advances and

business finance consulting

throughout the United States. Steve and AEX Commercial Financing Group are an experienced source of

working capital loans

and commercial real estate financing.

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By Candice Jones-Hughes

Are you wondering if herbs for menopause are safe and effective? A lot of women in menopause are looking for a way to avoid HRT because they are concerned about the risks and side effects. Fortunately, there are many herbs for menopause symptoms, including hot flashes, bloating, high blood pressure, insomnia and more.

Herbs for menopause will affect you differently than drugs. If you are used to drugs, you will find herbs to have more subtle effects. Some herbs will give you relief immediately, while some can take two to three months to notice a change.

Herbs for menopause can be used to balance your hormones, support your liver in doing all the extra work it has to do during the Change, recalibrate your stress response, and boost your nutritional intake.

Here are just a few examples of some symptoms of menopause and some herbs that can help:

Bloating, digestive problems – Gentian is a very bitter herb. It will help get your stomach juices flowing if you take it ten to fifteen minutes before eating. This can help with bloating and indigestion. You have to taste it for it to work, so you need to take it in tincture form. Ginger is an excellent herb for digestion. You can drink a decoction made from simmering a few slices of root in water for about twenty minutes, or use the tincture. Blue vervain and scullcap are two herbs that are relaxing and will help your digestive system to relax, which is when it works best. It shuts down under stress, so if you are under stress, these are a couple of good herbs to try.

Heart health – Heart health becomes very important during this time. If you have been exercising regularly and eating a heart-healthy diet (it may not be what you think see http://www.natural-approaches-to-menopause.com/menopuase-diets.html for more info), you’re ahead of the game. If not, there is no better time to start. Some herbs that can help with heart health are lemon balm, motherwort, and hawthorn.

High blood pressure – High blood pressure often arrives along with menopause. I had blood pressure ov 120 over 80 for years, but once I it menopause, it went sky high. Blue vervain, dandelion, garlic, ginseng, hawthorn, motherwort, nettles, and passionflower can all help with blood pressure. Blue vervain, motherwort and passionflower help by relaxing you. Dandelion supports your liver. Hawthorn is an excellent herb for overall heart health. Ginseng helps your body adapt to stress. Nettles is full of heart-nourishing minerals.

Hormone balancing – Pre menopause and menopause are times when you can easily lose your hormone balance. Hormones affected are adrenal, thyroid, progesterone and estrogen. Dong quai, ginseng, wild yam and vitex (chasteberry) are helpful for these conditions.

Hot flashes, night sweats Often herbs in combination work best for hot flashes. You can try a combination of black cohosh, dong quai and wild yam. Maca root has worked for many women. Other herbs that work for hot flashes include chasteberry, and motherwort.

Insomnia Blue vervain, chamomile, hops, motherwort, passionflower, and valerian are all helpful for getting you to sleep and helping you to stay asleep. Chamomile can be infused (pour boiling hot water over the dried leaves, cover and let steep for 2-4 hours) and drunk throughout the day. The other herbs can be used in tincture form.

The best way to take herbs is by drinking infusions (like a tea, only much stronger) or a few drops of tincture or extract several times a day. You can take them with or without food. Capsules are okay if you just can’t stand the taste of a tincture, but you won’t get the benefits of an infusion in a capsule.

If you’re looking for a way to avoid hormone replacement therapy, or even just looking for some natural ways to work with your symptoms, herbs for menopause can be safe and effective.

About the Author: Candice Hughes studied herbal medicine at the Pacific School of Herbal Medicine in Oakland, CA. Do you want to learn more about which herbs to use and when? Find out more here:

Herbs for Menopause

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