Time for Q & A

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Aug 20, 2011


Welcome to Alliance Commercial Credit Group

Dear Suzy,



It's hard to believe that summer is already half over, and if you have kids it's time for back-to-school shopping. It's a crazy time for working parents everywhere.

As the economy continues to slowly improve, we who are in the trenches know how difficult it is for recovering businesses to borrow money. Alternative financing has been very busy so far this year, so now is a good time to discuss the cash-flow dilemmas that improving business are experiencing. Increasing sales can mean negative cash flow, and the higher the sales, the worse the problem. So, how can we offer cash-flow assistance for clients who don't show the same operating profits over the last several years and who can't currently qualify for a line of credit or loan? Let's look at a couple of Q & A scenarios:

Q: I have a client who I can't offer a line of credit to at this time; however, if they continue to show positive trends and profits this year, I will be able to give them a credit facility. What can I do to help?
A: If your client sells products or services to other businesses and has assets, i.e., accounts receivable, inventory, equipment, or commercial real estate, we can put together bridge financing to help with their short-term cash-flow needs during their recovery. You can provide all the cash management services / operating accounts today, and we can offer the line of credit until the bank can administer a more traditional line of credit.

Q: Can you help with a client that owes money to the IRS or any other taxing authorities?
A: Of course! We do this all the time. Many decent business owners don't pay their taxes when times are tight, such as during the last downturn. Most banks are unable to help until these issues have been resolved. But when banks have to say no, we can offer these companies a credit facility. We'll help them get a simple repayment plan in place, or even an offer in compromise (OIC) depending on what assets they can leverage.

Q: If I have a client whose business is still losing money, what can I do to help?
A: Businesses can lose money several ways, including but not limited to: incorrect job costing, too much overhead, too many employees, inefficiencies in production, low sales or market share, etc. Often, a business owner knows his or her trade skill, but lacks the financial understanding that is required as a business grows. There are many things we can do to help a troubled business, so feel free to recommend your clients to us. Debt restructuring is a large part of what we do. In fact, refinancing and debt restructuring often go hand in hand.

In summary, we are here to help you secure future relationships and to preserve old ones. Let's discuss how we can help your clients and/or prospects for whom you serve as a financial advocate. Together, we'll help business owners quickly identify areas of weakness, and offer a solution that makes them financially stronger, faster

Call us today at 1-877-594-9423.






Enjoy a cup of Starbucks on us just for making us your first call!
If you have to say "no", call us at 877-594-9423
www.alliancecomcredit.com






Issue: 3
In This Issue
Finding Financing in a Battered Economy

Deja vu comes to mind. I wrote this article in 2002. Click on the link to see how history repeats itself.



Alliance Commercial Credit Group

8002 NE Hwy 99, Ste 503
Vancouver WA 98665

Office 877-594-9423
Fax 360-859-4577











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Alliance Commercial Credit Group | 8002 NE Hwy 99, Ste 503 | Vancouver | WA | 98665

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