Gab es eine enorme Menge von Rede i

Gab es eine enorme Menge von Rede in den Medien in den letzten Jahren wie kleine Unternehmen keinen Zugriff auf Business Kredit (Darlehen, Kreditlinien, arbeiten Hauptstadt Vorschüsse oder Business-Kreditkarten).

In der Tat behaupten mehrere kleine Unternehmensverbände, dass 41 Prozent der kleinen Unternehmen keinen auf Business Kredit oder Business-Hauptstadt Zugriff.

Ich sage, dass sie falsch sind. Sie wollen, was sie wirklich sagen ist, dass sie keinen Kredit Unternehmen unter den Bedingungen Zugriff oder in der Form, die sie wünschen.

Immer ein Business-Darlehen im Jahr 2004 bis Anfang 2008 war eindeutig viel einfacher als es jetzt ist. Aber was wirklich geschah, war, dass Business-Darlehen underwriting Normen wo drop oder vermindert - ermöglicht Privatpersonen und Unternehmer, viele, die nicht bekommen haben, sollten wir danken in erster Linie um riskante Kredite - Darlehen zu erhalten, die nicht zurückgezahlt wurden und könnte nie zurückgezahlt worden; Was Hypothekenbanken und Hypothekenmakler mit Wohnungsbaudarlehen Tat sehr ähnlich.

Sie zeichneten riskante Kredite nur um Entstehung sammeln und Bearbeitungsgebühren dann verkauft, diese Darlehen um Investoren (wieder sammeln zusätzliche Gebühren) - kein Risiko in das Ende. Was tat dies war viel unnötige toxische Business Kredit auf dem Markt - Darlehen gesteckt, die nicht immer hätte erfolgen müssen.

Denken Sie an es auf diese Weise. Nehmen wir an, die auf einer Skala von 1 bis 10 basierend auf eine Kredit-Schwierigkeit - wobei 1 die einfachste Möglichkeit, ein Business-Darlehen. Vor 2004 - hatte Business-Darlehen eine Reihe von ca. 5. Sie waren nicht leicht oder schwer zu bekommen. Banken folgten nur standard Darlehen underwriting-Protokolle. So haben diejenigen, die Business-Darlehen bekommen sollte und wer sollte nicht - nicht. Zu dieser Zeit basierte underwriting auf Kosten der Fonds und das Risiko der Rückzahlung.

Aber wenn Kongress Öffnen der Sekundärmarkt für diese Darlehen (genau wie sie für sekundäre home Hypothekendarlehen mit Fannie und Freddie) - Banken erkannte, dass sie könnten schnell versicherungstechnische Gebühren sammeln dann diese Darlehen vorübergehen ohne jegliches Risiko. Basierend auf dieser (wie mit dem Wohnungsmarkt) - senkte sie ihre versicherungstechnische Standards (warum nicht da sie kein Risiko - hatten es alle bis Seite für sie war). So sank die Zahl der Schwierigkeit für Unternehmenskredite von 5 bis 1 (wo könnte jemand ein Business-Darlehen unabhängig davon bekommen, wenn sie oder nicht qualifiziert).

Daher konnten Unternehmer seit Jahren schnell und einfach Business-Hauptstadt bekommen, wenn sie bereit waren, die Bank oder der kreditgebenden Stelle Gebühren zu zahlen.

Nun, da der Markt zusammengebrochen, zurückgekehrt die Schwierigkeit Nummer für Unternehmenskredite wieder in seine normale Position 5 - so dass sie nicht leicht oder schwer zu bekommen.

Die 41 Prozent, die behaupten, dass sie keinen auf Business Kredit heute Zugriff sind diejenigen, die nicht in erster Linie Kredit bekommen haben.

Die Quintessenz ist, dass Business-Darlehen nicht schwer sind zu bekommen - sie waren wirklich leicht zu bekommen vor ein paar Jahren und jetzt zurück, wo sie auf der Skala der Schwierigkeit sein sollte gegriffen haben.

Um ein Business-Darlehen zu erhalten müssen Sie heute - zuerst verstehen, warum Ihr Unternehmen braucht Fremdkapital (es muss für Wachstum - alles andere Geldverschwendung ist) und dann zu verstehen kann, wie Ihr Unternehmen, wie es aussieht, sich um diese Mittel zu erhalten nutzen - es gibt so viele Möglichkeiten, Business-Hauptstadt [Out] zu erhalten, da gibt es Wunsch und jeder einzelne ist nicht schwieriger als es sein sollte.

Um ein Business-Darlehen heute zu erhalten - Sie müssen zuerst verstehen, warum Ihr Unternehmen braucht Fremdkapital (es muss für Wachstum - alles andere Geldverschwendung ist) und dann zu verstehen, wie Ihr Unternehmen, wie es aussieht, selbst um diese Mittel zu erhalten nutzen kann - es gibt so viele Möglichkeiten, um Unternehmen Kapital zu beschaffen, da gibt es Wunsch und jeder ist nicht schwieriger als es sein sollte.

Results (English) 1:

There was a tremendous amount of talk in the media in recent years as small businesses not have access to business credit (loans, lines of credit, working capital advances or business credit cards).In fact several small business associations, claim that 41 percent of small businesses not on business credit or business capital access.I say that they are wrong. They want, what they're really saying is, that it no credit company under the terms of access or the form that they want.Getting a business loan was clearly much easier than it is now in the year 2004 until the beginning of 2008. But what really happened, was that business loan of underwriting standards where drop or reduced - allows individuals and entrepreneurs, many who have not received we should thank loans primarily to risky loans - get, which were not repaid and could never paid back. What mortgage lenders and mortgage brokers with mortgage loans act very similar to.You just drew to risky loans collect formation and processing fees then sold, these loans to investors (again collect additional fees) - there is no risk in the end. What did this much was unnecessary toxic business credit on the market - loan, which should never have taken place.Think of it this way. Suppose that on a scale of 1 to 10 based on a credit difficulty with 1 the easiest way a business loan. Prior to 2004 - business loan had a range of about 5. They were not easy or hard to get. Banks followed only standard loan underwriting protocols. So those who should get a business loan and who should not - not. This time-based underwriting cost of funds and the risk of repayment.But if Congress opening the secondary market for these loans (just like her for secondary home mortgage loans with Fannie and Freddie)-banks realized that they could quickly underwriting fees collect then pass these loans without any risk. Based on this (as with the housing market) - she lowered their underwriting standards (why not because they had no risk--it was all until page for it). So decreased the number of difficulty for business loans from 5 to 1 (where could someone get a business loan regardless of, if they or not qualified).Therefore entrepreneurs could get quickly and easily business capital for years, if they were willing to pay the Bank or lender fees.Now, as the market collapsed, returned the difficulty number for corporate loans back in its normal position 5 - so that it is not easy or hard to get.The 41 percent who claim that she now not on business credit access are those who did not receive credit in the first place.The bottom line is that business loans are not hard to get - they were really easy to get a few years ago and jumped back, where she should be on the scale of difficulty.To obtain a business loan, you need to understand today – first, why your company needs outside capital (it must be for growth - is all other waste of money) and can then to understand how your company as it looks to get these funds use - there are so many ways to get business capital [out], there's desire and each individual is no more difficult than it should be.To obtain a business loan today - you need to first understand why your company needs outside capital (it must be for growth - is all other waste of money) and then to understand how your company, how it looks, even can be used to obtain these funds – there are so many ways to raise capital for companies, there's desire and everyone is no more difficult than it should be.

Results (English) 2:

There was a tremendous amount of expression in the media in recent years as small businesses have access to business credit (loans, credit facilities, capital work advances or business credit cards).

In fact, say many small business organizations, that 41 percent of small businesses not on business credit or business capital access.

I say that they are wrong. They want what they really say they no credit company under the terms access or in the form that they wish.

Getting a business loan in 2004 to early 2008 was clearly much easier than it is now. But what really happened was that business loan underwriting standards where drop or reduced - could obtain loans that were not repaid and - allow individuals and entrepreneurs, many who do not get it, we should thank primarily to risky loans never been repaid; . What very similar mortgage lenders and mortgage brokers with home loan fact

you recorded risky loans collect just about creation and handling charges then sold these loans to investors (again collect additional fees) - no risk in the end. What did this was a lot of unnecessary toxic Business credit on the market -. Put loans that would not always have to be carried

Think in this way to it. Suppose that on a scale of 1 to 10 based on a credit problem - where 1 is the easiest way to a business loan. Prior to 2004 - had to get a number of about 5. They were not easy or difficult business loan. Banks followed only standard loan underwriting protocols. So, those who should get the business loan and who should not - do not. At this time, based underwriting at the expense of the funds and the risk of repayment.

But if Congress opening the secondary market for these loans (exactly as with Fannie and Freddie for secondary home mortgage loans) - recognized banks that they could quickly gather underwriting fees then this loans pass without any risk. Based on this (as with the housing market) - it lowered its underwriting standards (why not since they no risk - it all had to side for it was). So the number of difficulty for corporate loans fell 5-1 (where someone might a business loan irrespective get them if they or not qualified).

Therefore, entrepreneurs could for years quickly and easily get business capital, when they were ready, the bank or the lender to pay fees.

Now, as the market collapsed, returned the difficulty number for corporate loans back to its normal position. 5 - so they are not easy or difficult to get

the 41 percent who say that they do not have to Business credit today access are those who have not received primarily credit.

the bottom line is that business loans not difficult are get - they were really easy to get a few years ago and now back to where they of the scale should be difficulty have taken.

In order to obtain a business loan you need today - first understand why your company needs debt (it needs for growth - all other waste of money) and then you can understand how your business, how it looks, to obtain these funds be used - there is to get as many possibilities, business capital [out], because there is desire and every individual is no more difficult than it should be.

In order to obtain a business loan today - you must first understand why your company needs debt (it needs for growth - far from a waste of money), and then to understand how your business, what it looks like, can be used even to obtain these funds - there are so many ways to company capital on come by because there is desire and each is no more difficult than it should be.

Results (English) 3:

there was a tremendous amount of talk in the media in recent years, as small businesses have access to business credit (loans, lines of credit, working capital advances or business credit cards).in fact, several small companies claim that 41 percent of small businesses do business credit or business capital access.i say that they are wrong. you want, what you are really saying is that you no credit enterprises under the conditions of access to, or in the shape that you want.a business loan in 2004 until the beginning of 2008 was clearly much easier than it is now. but what really happened was that business loan underwriting standards where drop or reduced - allows individuals and businesses, many of which have not received, we should thank, first and foremost, risky loans, loans will not paid and could never be repaid mortgage banks and mortgage brokers; what with housing loans are indeed very similar.they were only about how risky loans, and then sold to collect processing fees, these loans to investors (again, collect additional charges) - no risk in the end. what did this was a lot of unnecessary toxic business credit in the market loans and not always should have taken place.think of it this way. we assume that, on a scale of 1 to 10 based on a credit problem with 1 being the easiest way, a business loan. prior to 2004, had business loans, a number of about 5. they were not easy or hard to get. loan underwriting banks followed standard protocols. so, those who have business loans should have and who should not. at this time, at the expense of the fund based underwriting, and the risk of repayment.but if congress open the secondary market for these loans (just like you for secondary home mortgage loans with fannie and freddie) - banks realized that they could quickly technical fees collecting the loan pass without any risk. based on this, as the housing market) reduced their technical standards (why not since they do not risk it all had to side for you). this reduced the number of difficulty for business loans from 5 to 1 (where someone could get a business loan, regardless of if or not qualified).therefore, entrepreneurs for quick and easy business capital, if they were willing to, the bank or the stock of point charges.now, because the market collapsed, returned the difficulty number for business loans back into its normal position 5 so that it is not easy or hard to get.the 41 percent, the claim that they are not in business credit access today are those that are not primarily to get credit.the bottom line is that business loans are not difficult to get - they were really easy to get a couple of years ago, and now back to where on the scale of difficulty should be resorted.for a business to obtain loans, you must first understand today, why your company needs foreign capital (it must be for growth - everything else is a waste of money), and then to understand how your company as it looks, for these funds to benefit - there are so many ways of business capital [out] to receive, there is desire and every individual is not harder than it should be.a business loan to receive, you must first understand why your company needs foreign capital (it must be for growth - everything else is a waste of money, and then to understand how your company as it looks, even those resources will use - there are so many ways for enterprises to raise capital there is hope and everybody is not harder than it should be.