New Paradigm for Small Business Lending Focuses on Service and Customized Financing Solutions that Best Serve Borrowers' Needs

While the federal government seeks to bring down the unemployment rate by focusing on tight credit conditions for small business lending, what tends to be overlooked is the need for a new paradigm for banking in the coming years, especially after the recent debacle in the credit markets.  Because every business is different, the old paradigm based on calculated mathematical risk profiles is an obsolete, one-size-fits-all approach to lending that overlooks some great entrepreneurial opportunities. 

When bank borrowing is not an option or sufficient for securing adequate working and growth capital, businesses must look to lenders who serve clients by getting to know their business beyond a small box profile, and are therefore able to see opportunities and provide solutions as unique as each business model. 

My personal business philosophy is centered around service. And our business model at US Capital Partners is specifically designed and economically driven to put us in a customer-focused, fiduciary, position to provide much needed service and partnership with our clients. This is an unusual approach for an investment bank and what really differentiates us as an alternative small business lender. We also believe this is the new paradigm for banking in the coming years.

The United States remains one of the leaders in broad based business opportunities for innovation and opportunity. The combination of a favorable business climate, entrepreneurial mentality, and access to one of the largest markets in the world are what contribute to making the U.S. one of the leading places to start and grow a business. And this shift in the funding paradigm to find solutions that best serve borrowers' needs will enable more American businesses to leverage opportunities for innovation and growth.

You might be wondering what you can do if your business currently doesn't fit a bank's lending risk profile. Learn more about Alternative Financing Options: Securing Small Business Loans for Working and Growth Capital.

Since 1998, US Capital Partners has been providing prompt, innovative, and reliable financing solutions including lending, corporate financing, and debt re-structuring to businesses across the United States and abroad. We will give your business the attention it deserves and find the most suitable product for you. We offer true one-stop financing and will work in partnership with you throughout the lending process. If you would like to know more about how your business can secure the funding it needs, visit or call (415) 882-7160.