The Cost To Small Businesses When Banks Restrict Access to Working and Growth Capital

With the FDIC reporting a record number of bank failures, securing traditional financing through banks and other financial organizations remains highly challenging for many businesses. More institutions in flux are restricting available capital due to internal changes or re-organization.

As a result, your business may suffer due to external circumstances that have nothing to do with your own company's performance. As banks pull back more traditional commercial and industrial lending, they are often unable to lend even to small businesses with solid financials -- which can push companies into distress or leave them unable to take advantage of commercial growth opportunities.

I recently blogged about How to secure alternative financing to eliminate working capital constraints and fuel growth. What many people don't know is that there are olutions available, however your marquee bank is most likely not going to offer you alternative financing solutions to best serve your evolving needs.

When a bank makes their problems your problem, you need to turn to cost-effective alternative financing options that are available for refinancing your line of credit and increasing borrowing availability to support your company's continued domestic and international growth. If you find yourself in this situation, it's critical that you are pro-active instead of reactive in order to protect your small business financing.

Don't let your business fall victim to high pricing and/or reduced growth capital due to circumstances at the bank that have nothing to do with your business.

Alternative small business lenders like US Capital Partners can help you secure small business loans for working and growth capital. As a private investment bank, direct lender, co-lender, and lead financial arranger, we specialize in securing financing for smaller companies that is both intelligently structured and affordable. We provide alternative financing for working and growth capital for small- to middle-market private and public companies. 

Check out our recent transactions and see for yourself how our innovative approach allows us to provide the best financing available for both companies in excellent financial condition, as well as for companies who may have been refused credit by traditional lenders.

If you would like to know more about how your business can secure the funding it needs, visit or call (415) 882-7160.