AEX Commercial Financing Group

Commercial Loans and Short-Term Working Capital (U.S. only)

July - August 2009 UPDATE

Until further notice, AEX is not charging any fees for most short-term working capital financing.
AEX now provides small business loan programs throughout the U.S. and has recently reduced professional fees for their business finance consulting and commercial financing programs.
Numerous business lenders, commercial loan brokers and small business finance companies have recently gone out of business due to adverse financial conditions.
AEX Commercial Financing Group continues to be a reliable and effective source for working capital, business consulting, merchant cash advances and business loans.
Please contact Stephen Bush for important commercial finance updates and candid business financing advice.

AEX Short-Term Working Capital Financing — AEX Small Business Loans

Short-term Working Capital —

Refinance commercial line of credit

Credit card factoring

Payoff current merchant cash advance

Short-term working capital loans

Long-term Small Business Loans —

Refinance business debt

SBA business loans

Business opportunity financing

Commercial real estate loans

AEX Commercial Finance Funding Press Release Excerpt:

Business Finance Consulting Activities Expanded by AEX Commercial Financing Group

AEX has recently expanded their commercial finance consulting practice in response to a growing demand by small business owners for specialized help in dealing with more complicated commercial loan procedures and problematic commercial lenders. The AEX business finance consulting efforts are designed to give businesses effective and timely strategies for dealing with the recent turmoil in credit and financial markets. According to Stephen Bush, Founder and Chief Executive Officer for AEX, "In order to immediately help small business owners resolve many working capital finance complications that have emerged during the recent financial crisis, AEX Commercial Financing Group is devoting increased efforts to ensure that we will be able to assist as much as possible. For example, we have discontinued our small business loan officer training program to allow us to spend more time on individualized consulting with business borrowers. We have also reduced fees for our services in order to make AEX business loan and consulting programs more affordable for small businesses." Three of the high-priority business funding issues to be addressed by AEX are avoiding problems with SBA loans, refinancing business debt and identifying new sources for working capital financing.

Other recent AEX press releases — PR.com and WebWire:

Working Capital Journal Coverage About Recent Business Finance Decisions by Lenders
Avoiding Worst Case Business Finance Problems
How to Avoid Small Business Financing Malpractice Situations
AEX Sets the Record Straight About Availability of Commercial Financing

Please contact Stephen Bush at AEX Commercial Financing Group for more detailed information about small business finance funding and AEX press releases - Business Consulting

AEX Commercial Loans — AEX Short Term Working Capital

AEX provides commercial financing throughout the United States.

AEX has reduced fees for most business consulting and small business loan programs.

AEX offers a commercial loan referral fee program.

AEX uses a highly-specialized and individualized business funding strategy for each commercial borrower.

AEX small business finance programs include:

Working Capital Cash Advances
Commercial Mortgage Loans
Working Capital Management
Small Business Consulting
Specialized Commercial Properties: Golf Course Financing and Funeral Home Loans (plus others)
SBA Loans and SBA Business Loan refinancing

Our website provides an efficient way for us to communicate in a timely manner about key business finance issues, but it is not practical to include updates concerning all critical developments on our “front page”.

For example, here is one of our recent observations (please keep in mind that we encourage commercial borrowers to contact us directly for candid advice) —

Whenever lenders drop the ball and fail to make short-term commercial loans and long-term commercial mortgages to small businesses, a competitive business marketplace frequently develops NEW lending sources that quickly replace ineffective providers of business financing. We are now witnessing a dramatic example of this with new commercial funding options that are both more effective and less costly for short-term working capital financing.

Up to $25 Million — AEX Commercial Loans and AEX Working Capital Programs

AEX Business Cash Advance Programs — Credit Card Processing Advances

Practical Advice — How to Avoid Problems with Small Business Loans

Individualized Strategies — Business Finance Consulting

AEX Small Business Finance Funding Report Excerpt:

Guerrilla Tactics for Small Business Loans - A Short Survival Guide for Commercial Borrowers

It is increasingly likely that small business owners will need to resort to aggressive use of guerrilla loan tactics when seeking appropriate small business finance funding. In the current commercial lending climate, business borrowers should not hesitate to do whatever it takes for their business to survive. These suggestions should be considered by most commercial borrowers in the early stages of their commercial financing search due to the growing failure of banks to provide a normal level of business funding. Because the current business lending climate can be accurately described as hostile and confusing due to complicated commercial finance programs and banks which predominantly are not functioning in a normal manner, here are several guerrilla financing tactics which are likely to be helpful (and necessary) for most commercial borrowers:

Business Consulting as a First Line of Defense
Determine Whether Your Bank is a Good Bank or a Bad Bank
Be Prepared to Fire Your Bank and Your Banker
Business Cash Advances and Other Options for Working Capital
More Guerrilla Tactics for the Small Business Survival Guide

This report illustrates the importance for small business owners doing whatever it takes to survive in a tough business climate. In addition to the guerrilla financing tactics described, there are several other important small business loan options which should be considered by commercial borrowers before finalizing their commercial loans, SBA financing or commercial mortgages.

For a related discussion of how important it is for small business owners to be more pro-active in their working capital financing, please review the "Business Consulting" section on this website - Small Business Loans

Additional recommended AEX Reports:

Zombie Banks - identifying “dead banks walking” before small business loans are obtained
Commercial Financing Help - avoiding predatory commercial lenders
Working Capital Loans - finding reliable sources and new funding options
Commercial Finance Misinformation - getting accurate updates about business finance programs
Firing Your Banker - finding new sources for commercial loans

For more details about the full report or other AEX commercial finance funding reports, please contact Stephen Bush.

Some Business Finance and Commercial Real Estate Financing thoughts from Stephen Bush, Founder and Chief Executive Officer for AEX Commercial Financing Group:

In today's increasingly challenging financial environment, non-traditional commercial lenders should be actively considered for most business financing situations. AEX has consistently completed difficult commercial loans and working capital funding for restaurants, funeral homes, gas stations, golf courses and other special purpose commercial property. Funeral home loans and golf course financing have especially become rare commodities, and we are particularly pleased when AEX can help by providing unique and hard-to-find small business loan programs.

AEX Commercial Financing Group can help most commercial borrowers immediately with effective business finance funding programs and straightforward advice such as the following:

Practical commercial finance guidelines about which lenders should be avoided.
Business funding solutions that eliminate most commercial mortgage loan difficulties.
How to avoid 10 key problems when obtaining a business cash advance.
New (and effective) sources for short-term working capital financing.

Please contact us directly for our assessment of key commercial finance funding issues likely to impact your specific business situation.

For a summary of critical difficulties to avoid with credit card receivables factoring (obtaining working capital by using credit card processing for merchant cash advances), please see our "Working Capital Advances" Summary - Working Capital Finance

Important Changes Impacting Commercial Financing:

One of the most critical trends effecting small business financing and working capital loans has been the extent to which changes have occurred recently. To highlight some of these changing guidelines for commercial finance funding, we have added a summary page entitled "Business Finance Changes” that includes a brief discussion of the following:

Firing "Bad Banks" and "Bad Bankers" — Evaluating when to fire your commercial banker
Revisions in stated income commercial loans
Commercial construction loan programs
A shrinkage in the number of business lenders
An increased frequency of business finance funding rejections by traditional commercial lenders
Changes in how business cash advance programs are being used
New alternative business funding programs for working capital management

We expect even the "temporary" measures to be in place for a lengthy period of time due to the severity of current economic conditions, and some of these measures are likely to end up being permanent — these are serious and real changes that cannot be ignored by business owners as they develop their plans for future financing and refinancing.

As we have noted in various reports, Plan B Contingency Financing is a promising tool that will assist businesses to cope with possible changes in their working capital loans. Based on this approach, if a business has ANY commercial loans or commercial real estate financing, a Plan B should be formulated NOW for the contingency that alternative financing could be needed soon. Business owners concerned about both current and future business finance funding changes should contact AEX for assistance in implementing this practical and effective strategy for their small business loan and working capital financing programs.

The multiple and rapid changes that we are now experiencing with commercial financing are likely to result in at least some confusion for commercial borrowers. By having a candid conversation with a commercial loan expert such as AEX Commercial Financing Group, business owners should be more capable of implementing an appropriate strategy for the vast changes which have recently occurred or are about to become effective for most business financing and working capital finance funding throughout the U.S.

For more detailed analysis of the business finance funding changes noted above,
please see the AEX "Business Finance Changes" overview - Business Finance

AEX Working Capital — AEX Commercial Loans

The Working Capital Journal — Two Excerpts:

Reduced Fees for Most AEX Commercial Loans

Perhaps the best barometer of impaired financial health for small businesses is that the AEX office phones now sound like the proverbial “phone ringing off the hook”. We would like to think this is also a practical indicator of AEX Commercial Financing Group being good at what we do — meanwhile, many “traditional” sources for business finance funding are proving to be unreliable in the current credit and financial market conditions. The continuing need for viable small business loans has caused most business owners to seek new reliable sources for business financing. In the spirit of “We’re all in this together”, AEX has reduced fees for most commercial finance programs. As I have always done, my decision to ask for a fee of any size will be based on first having a conversation with a prospective commercial borrower that gives me a comfort level indicating we are likely to be helpful in their business funding efforts.

Small Business Financial Solutions — Firing Your Business Banker

For prudent small business owners, firing your your bank and your banker has become both a more acceptable and necessary solution when your business is unable to obtain sufficient working capital financing and business finance help. Commercial borrowers are increasingly realizing that they must look out for their own best interests because it is unlikely that their business banker is up to the task anymore. To highlight some of the issues associated with this delicate subject area, AEX has published a report entitled "Firing Your Banker" — a link to this discussion can be found in the right-hand column of The Working Capital Journal.

Some other headlines from The Working Capital Journal:

We’re all in this together - AEX is committed to helping in any way that we can
Business Finance Consulting - candid and individualized consulting help for small businesses
Business Loan Help - preparing for business finance changes
Dead Banks Walking - eliminating “zombie banks” from new commercial loans

The Working Capital Journal is published by AEX Commercial Financing Group.

Please contact Stephen Bush for help involving working capital loans, business cash advances and commercial mortgage loans. For additional observations about strategies for small business loans and working capital funding, please review the "Commercial Finance Review" and "Small Business Comments" pages - Commercial Financing

AEX specializes in short-term and long-term small business finance programs —

Short term working capital financing
Short term small business loans
Long-term commercial real estate loans

Commercial Finance Funding and Small Business Consulting Help —

Commercial borrowers needing help with current commercial loan and working capital management situations should contact Stephen Bush (Founder and Chief Executive Officer - AEX Commercial Financing Group) at the phone number shown below for individualized and candid advice about appropriate small business loan programs. Please see "Contact AEX - Business Financing" page for mail and email contact information.

Stephen Bush — (937) 780-4030