【正文】 it card processing programs. In some cases a traditional bank will offer to provide mercial financing but will attach excessively stringent terms and covenants. In other cases a traditional bank will decline the mercial financing outright, perhaps because they do not even provide business financing to the mercial borrower’s particular industry. In either case, the mercial borrower is likely to benefit by Thinking Outside the BankAs I noted in an earlier mercial financing article, in many nonpetitive business financing situations it is not unusual for a local traditional bank to impose harsher mercial financing terms than would typically be seen in a more petitive business financing market. Such traditional banks routinely take advantage of a relative lack of other mercial lenders in their local market. An appropriate response by mercial borrowers is to seek out nonbank mercial financing options. It is neither necessary nor wise for mercial borrowers to depend only upon local traditional banks for mercial financing solutions. For most mercial financing situations, a nonlocal and nonbank mercial lender is likely to provide improved business financing terms because they are accustomed to peting aggressively with other mercial lenders.COMMERCIAL FINANCING EXAMPLE ONE： Business Cash Advance and Credit Card Receivables ProgramsMost businesses that accept credit cards in their business will qualify for a business cash advance with their credit card receivables. Traditional banks will typically be very poor candidates to consider if a business needs assistance with credit card factoring and business cash advances. Because even thriving businesses frequently need more cash than they can borrow from a bank, it can be of critical importance for a business to Think Outside the Bank” and locate nontraditional lenders to assist with this mercial financing need.COMMERCIAL FINANCING EXAMPLE TWO ：Commercial Mortgage LoansTwo of the most mon mercial financing difficulties experienced by mercial borrowers can be avoided if they Think Outside the Bank”. The first mercial financing situation is the prevailing practice of traditional banks to avoid most special purpose properties (such as 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 lenderCOMMERCIAL FINANCING EXAMPLE THREE Credit Card Processing ProgramsThe 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: I have written an earlier mercial financing article about mercial lenders to avoid. It should be noted that there are in fact both traditional and nontraditional (nonbank) lenders which should be avoided. So when mercial borrowers Think Outside the Bank”, it is still of critical importance that they are prepared to avoid a wide variety of problematic nontraditional mercial lenders in their search for viable mercial financing, especially when it involves business cash advance (credit card receivables and credit card factoring) programs, credit card processing services and mercial real estate financing.商業(yè)融資方案商業(yè)融資的借款人可能會認(rèn)為，傳統(tǒng)的銀行是他們的最佳來源的商業(yè)融資。然而，由于大多數(shù)傳統(tǒng)銀行集中在少數(shù)設(shè)立工業(yè)，非傳統(tǒng)（非銀行）和非本地商業(yè)銀行應(yīng)考慮大多數(shù)商業(yè)融資的情況。因此，建議商業(yè)融資策略應(yīng)考慮除銀行融資外的方法。有幾個商業(yè)融資情況下，商業(yè)借款人常常，非傳統(tǒng)的商業(yè)銀行更好地提供的條件更有利的商業(yè)借款人：（1）企業(yè)現(xiàn)金和信用卡保理業(yè)務(wù)程序；（2）商業(yè)抵押貸款；和（3）信用卡處理程序。在某些情況下，傳統(tǒng)的銀行將提供商業(yè)融資，但附加條件過于嚴(yán)格和盟約。在其他情況下，傳統(tǒng)的銀行將下降的商業(yè)融資買斷，也許是因為他們甚至不需要商業(yè)借款人的特定行業(yè)提供商業(yè)融資。在任一情況下，商業(yè)借款人可能由外部銀行考慮效益正如我在前面的商業(yè)融資的文章指出，在許多非競爭的商業(yè)融資的情況下，這是不尋常的地方傳統(tǒng)的銀行實行更嚴(yán)厲的商業(yè)融資條件比通常是在一個更具競爭力的企業(yè)融資市場上看到的。這種傳統(tǒng)的銀行通常利用在當(dāng)?shù)氐氖袌鱿鄬θ狈ζ渌虡I(yè)銀行。商業(yè)借款人作出適當(dāng)?shù)姆磻?yīng)是尋找非銀行融資方案。它既不必要也不明智的商業(yè)借款取決于只有在當(dāng)?shù)貍鹘y(tǒng)的商業(yè)銀行融資解決方案。對于大多數(shù)商業(yè)融資的情況下，一個非局部和非銀行的商業(yè)銀行有可能提供更好的企業(yè)融資條件，因為他們習(xí)慣于積極與其他商業(yè)銀行競爭。商業(yè)融資案例一：企業(yè)現(xiàn)金和信用卡收款程序大多數(shù)企業(yè)接受信用卡在他們的業(yè)務(wù)將有資格獲得他們的信用卡應(yīng)收賬款業(yè)務(wù)預(yù)付現(xiàn)金。傳統(tǒng)的銀行通常會是非常貧窮的候選人，如果考慮企業(yè)需要與保理業(yè)務(wù)和信用卡業(yè)務(wù)的現(xiàn)金援助。因為即使是欣欣向榮的企業(yè)經(jīng)常需要比他們能從銀行借到更多的錢，它可以是至關(guān)重要的一個業(yè)務(wù)以外的銀行認(rèn)為“定位和非傳統(tǒng)的貸款人以幫助這種商業(yè)融資的需要。商業(yè)融資案例二：商業(yè)抵押貸款兩種最常見的商業(yè)融資困難的商業(yè)借款人的經(jīng)歷是如果他們認(rèn)為外銀行避免”。第一個商業(yè)融資的情況是普遍存在的做法，傳統(tǒng)的銀行，以避免最特殊用途性質(zhì)（如和教堂）。第二商業(yè)融資的情況是大多數(shù)商業(yè)銀行的重視氣球和/或召回規(guī)定的商業(yè)貸款的典型實踐（這意味著銀行可能需要的各種條件下的商業(yè)貸款提前還款）。這兩種不良商業(yè)融資的情況下，可以考慮一個非傳統(tǒng)和非銀行貸款通常是很容易避免的商業(yè)融資案例三：信用卡處理程序一個適當(dāng)?shù)男庞每ㄌ幚矸?wù)的選擇，將有助于提高企業(yè)的盈利能力與大量的信用卡活動。信用卡處理供應(yīng)商的分析可以有效地結(jié)合信用卡保理業(yè)務(wù)和信用卡收款上述過程。在評估企業(yè)現(xiàn)金透支程序，它常常是有可能同時安排在商家的信用卡處理程序有實質(zhì)性的改進(jìn)。由于傳統(tǒng)的銀行通常是不提供援助信用卡保理業(yè)務(wù)的競爭，也同樣可能是一個非傳統(tǒng)的貸款將是主要來源的有效和有競爭力的信用卡處理有幫助。一個封閉的商業(yè)融資的想法：我寫了一個早期的商業(yè)融資文章商業(yè)銀行，以避免。應(yīng)當(dāng)指出的是，事實上，傳統(tǒng)和非傳統(tǒng)（非銀行）銀行應(yīng)該避免的。所以當(dāng)商業(yè)借款人以外的銀行認(rèn)為”，它仍然是至關(guān)重要的，他們準(zhǔn)備以避免他們在商業(yè)上可行的融資尋找問題的各種非傳統(tǒng)的商業(yè)銀行，特別是當(dāng)它涉及到商業(yè)預(yù)付現(xiàn)金（信用卡應(yīng)收賬款和信用卡保理）程序，信用卡處理服務(wù)和商業(yè)房地產(chǎn)融資。謝 辭 大學(xué)生活一晃而過，回首走過的歲月，心中倍感踏實。當(dāng)我寫完這篇畢業(yè)論文的時候，心中感慨良多。首先誠摯的感謝我的論文指導(dǎo)老師劉桂英老師。她在忙碌的教學(xué)工作中擠出時間來審查、修改我的論文。還要感謝交過我的所有的老師們，你們嚴(yán)謹(jǐn)細(xì)致、一絲不茍的作風(fēng)一直是我工作學(xué)習(xí)中的榜樣。你們循循善誘的教導(dǎo)和不拘一格的思路給予我無盡的啟迪。感謝四年中陪伴在我身邊的同學(xué)、朋友，感謝他們?yōu)槲姨岢鲇幸娴慕ㄗh和意見，有了他們的支持、鼓勵和幫助，我才能充實的度過了四年的學(xué)習(xí)生活。