Business finance solutions can seem irrelevant if one or more problems are not immediately visible on the horizon. Because realistically there is no business that is problem-free, it would appear that all businesses should need a practical solution for one or more problems. At some point the issue of priority also becomes a factor, and low-priority problems will often be placed on a back burner where a business solution will not be found because nobody is looking for one.
When it comes to business finance problems, there does seem to be more of a consensus that all businesses have a horse in this particular race. The world of business and finance has been subjected to an exceptional amount of turmoil during the past five years or so. Banks and banking represent the biggest piece in the financial puzzle that businesses are currently trying to solve. So it is probably fair to say that most of the current crop of business finance problems involve a bank either directly or indirectly.
The size of a company should not be ignored when evaluating the feasibility of business finance solutions. Commercial financing problems currently being faced by small businesses are totally different than those impacting larger companies. Again this is related to banks and other commercial lending institutions. After the bank bailout of 2008, small business financing has never been the same. The inability of most small businesses to obtain routine levels of working capital and commercial mortgage loans is an ongoing small business finance problem in need of a practical business finance solution.
As with most problems, there is rarely one solution that will satisfactorily resolve all cases. This does generally add an element of complexity and frustration to the problem-solving process. In a society that would like to find a universal solution for almost every difficulty, small business financing problems continue to challenge commercial borrowers everywhere. Unfortunately it does not appear that the most serious financial problems now faced by most small businesses will be eliminated or resolved by a political process such as an election. This seems especially true when it comes to commercial lending practices by banks. Instead each small business owner is likely to achieve more effective results by aggressively addressing their unique circumstances. The most successful business finance solutions will typically involve one or more changes to existing business and financial activities, so flexibility will prove to be a key ingredient in completing the puzzle.