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funeral homes and churches). The second mercial financing situation is the typical practice of most mercial banks to attach balloon and/or recall provisions to their mercial loans (which means that the bank can require early repayment of the mercial loan under various conditions). Both of these undesirable mercial financing situations can usually and easily be avoided by considering a nontraditional and nonbank lender. COMMERCIAL FINANCING EXAMPLE THREE THINK OUTSIDE THE BANK Credit Card Processing Programs The choice of an appropriate credit card processing service can be instrumental in improving the profitability of businesses with a high volume of credit card activity. The analysis of credit card processing providers can be effectively bined with the credit card factoring and credit card receivables process described above. In assessing a business cash advance program, it is frequently possible to simultaneously arrange for a substantial improvement in the merchant’s credit card processing program. Because traditional banks are usually not petitive in providing assistance with credit card factoring, it is equally likely that a nontraditional lender will be the primary source of effective and petitive help with credit card processing. A closing mercial financing thought: