外文翻譯---討論銀行商業(yè)融資解決方案

1、<p>　　Commercial Financing Solutions - Think Outside The Bank</p><p>　　July,2007 by Stephen Bush</p><p>　　Commercial financing borrowers are likely to feel that a traditional bank is th

2、eir best source for business financing. However, because most traditional banks focus on a small number of established industries, non-traditional (non-bank) and non-local commercial lenders should be considered for most

3、 commercial financing situations. Therefore the recommended commercial financing strategy (as discussed in this article) is to Think Outside the Bank”. </p><p>　　There are several commercial financing situat

4、ions in which commercial borrowers will frequently find that non-traditional commercial lenders are better positioned to provide terms that are more advantageous to the commercial borrower: (1) Business cash advance and

5、credit card factoring programs; (2) commercial mortgage loans; and (3) credit card processing programs. In some cases a traditional bank will offer to provide commercial financing but will attach excessively stringent te

6、rms and covenan</p><p>　　As I noted in an earlier commercial financing article, in many non-competitive business financing situations it is not unusual for a local traditional bank to impose harsher commerci

7、al financing terms than would typically be seen in a more competitive business financing market. Such traditional banks routinely take advantage of a relative lack of other commercial lenders in their local market. An ap

8、propriate response by commercial borrowers is to seek out non-bank commercial financing options. I</p><p>　　COMMERCIAL FINANCING EXAMPLE ONE - THINK OUTSIDE THE BANK </p><p>　　Business Cash Adva

9、nce and Credit Card Receivables Programs </p><p>　　Most businesses that accept credit cards in their business will qualify for a business cash advance with their credit card receivables. Traditional banks wi

10、ll typically be very poor candidates to consider if a business needs assistance with credit card factoring and business cash advances. Because even thriving businesses frequently need more cash than they can borrow from

11、a bank, it can be of critical importance for a business to Think Outside the Bank” and locate non-traditional lenders to ass</p><p>　　COMMERCIAL FINANCING EXAMPLE TWO - THINK OUTSIDE THE BANK </p><

12、;p>　　Commercial Mortgage Loans </p><p>　　Two of the most common commercial financing difficulties experienced by commercial borrowers can be avoided if they Think Outside the Bank”. The first commercial f

13、inancing situation is the prevailing practice of traditional banks to avoid most special purpose properties (such as funeral homes and churches). The second commercial financing situation is the typical practice of most

14、commercial banks to attach balloon and/or recall provisions to their commercial loans (which means that the bank can </p><p>　　COMMERCIAL FINANCING EXAMPLE THREE - THINK OUTSIDE THE BANK </p><p>

15、;　　Credit Card Processing Programs </p><p>　　The choice of an appropriate credit card processing service can be instrumental in improving the profitability of businesses with a high volume of credit card act

16、ivity. The analysis of credit card processing providers can be effectively combined with the credit card factoring and credit card receivables process described above. In assessing a business cash advance program, it is

17、frequently possible to simultaneously arrange for a substantial improvement in the merchant’s credit card processing p</p><p>　　A closing commercial financing thought: I have written an earlier commercial fi

18、nancing article about commercial lenders to avoid. It should be noted that there are in fact both traditional and non-traditional (non-bank) lenders which should be avoided. So when commercial borrowers Think Outside the

19、 Bank”, it is still of critical importance that they are prepared to avoid a wide variety of problematic non-traditional commercial lenders in their search for viable commercial financing, especially w</p><p&g

20、t;　　討論銀行商業(yè)融資解決方案 </p><p>　　2007年7月由斯蒂芬·布什商業(yè)融資的借款人可能會(huì)感到，傳統(tǒng)銀行是他們最好的企業(yè)融資來(lái)源。然而，因?yàn)樽顐鹘y(tǒng)的銀行集中在一個(gè)既定的產(chǎn)業(yè)，非傳統(tǒng)（非銀行）和非本地的商業(yè)貸款的少數(shù)，應(yīng)考慮大多數(shù)商業(yè)融資情況。因此，建議的商業(yè)融資策略（在這篇文章中討論）是跳出銀行“。    有幾個(gè)商業(yè)融資的情況下，商業(yè)借款人經(jīng)常

21、會(huì)發(fā)現(xiàn)，非傳統(tǒng)的商業(yè)貸款，更好地提供更有利的商業(yè)借款的條款：（1）企業(yè)現(xiàn)金透支和信用卡保方案;（2）商業(yè)按揭貸款;和（3）信用卡處理程序。在某些情況下將提供傳統(tǒng)的銀行提供商業(yè)融資，但將附加過(guò)于嚴(yán)格的條款及契諾。在其他情況下，傳統(tǒng)的銀行將拒絕商業(yè)融資顧左右而言他，也許是因?yàn)樗麄儾惶峁┥虡I(yè)融資，商業(yè)借款人的特定行業(yè)。在兩種情況下，商業(yè)借款人是有可能受益的銀行外思考“。    正如我在較早的商業(yè)融資文