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l 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 THINK OUTSIDE THE BANK Business Cash Advance and Credit Card Receivables Programs Most 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