Recent Articles From EvanCarmichael.com http://www.evancarmichael.com/ http://www.evancarmichael.com/Small-Business-Loans/3671/Fed-announces-end-to-Recession.html http://www.evancarmichael.com/Small-Business-Loans/3671/Fed-announces-end-to-Recession.html However, the number of U.S. households on the verge of losing their homes rose 7 percent from June to July, as the escalating foreclosure crisis continued to outpace government efforts to limit the damage. http://www.evancarmichael.com/Small-Business-Loans/3671/Who-do-you-believe.html http://www.evancarmichael.com/Small-Business-Loans/3671/Who-do-you-believe.html While big money continues to move funds in and out of the market (all-the-while being ignored by Regulators what regulators used to consider manipulating the price of stocks) Main Street continues to shed jobs and close doors. http://www.evancarmichael.com/Small-Business-Loans/3671/Distressed-Real-Estate-Continues-to-Grow.html http://www.evancarmichael.com/Small-Business-Loans/3671/Distressed-Real-Estate-Continues-to-Grow.html In preparing the federal budget proposal for the upcoming fiscal year, the White House and the Office of Management and Budget (OMB) made a number of assumptions regarding the economy's direction. In almost every respect, those assumptions have been proven to be overly optimistic. http://www.evancarmichael.com/Small-Business-Loans/3671/The-Commercial-Real-Estate-Time-Bomb.html http://www.evancarmichael.com/Small-Business-Loans/3671/The-Commercial-Real-Estate-Time-Bomb.html The deterioration resulting in a drop in commercial real estate values could result in over $1 trillion in upcoming headaches for financial institutions, investors and the administration, with the bulk of exposure concentrated at banks and insurance companies. The refinancing problem is the altogether entire current shut down in debt capital markets for assets, which affects all refinancings equally http://www.evancarmichael.com/Small-Business-Loans/3671/We-had-TARP-for-residential-now-comes-commercial.html http://www.evancarmichael.com/Small-Business-Loans/3671/We-had-TARP-for-residential-now-comes-commercial.html The residential collapse has contributed to a record number of bank failures. Now banks are seeing commercial lending problems rise, centered around commercial real estate. Bankers, industry analysts and observers widely expect first-quarter 2009 data — scheduled to be released in the next few weeks as part of many lenders’ first-quarter reports — to signal a continued escalation in loan defaults from all forms of commercial borrowers, from the real estate at office parks, shopping centers and commercial building space to more traditional business borrowers. State banks, according to Federal Deposit Insurance Corp. data, reported a 15 percent increase in non-farm, non-residential loans — the regulators’ definition for all commercial loans — as nonaccrual loans within the last 90 days of 2008. http://www.evancarmichael.com/Small-Business-Loans/3671/Whats-happening-to-our-nations-27-million-small-businesses.html http://www.evancarmichael.com/Small-Business-Loans/3671/Whats-happening-to-our-nations-27-million-small-businesses.html Meet Karen Mills, 55, Harvard-educated, with both an economics degree and an MBA from her alma mater http://www.evancarmichael.com/Small-Business-Loans/3671/What-will-happen-to-small-business-funding.html http://www.evancarmichael.com/Small-Business-Loans/3671/What-will-happen-to-small-business-funding.html Investors must change their mental views of “I don't feel like "spending money" because of the recession and lack of liquidity options. For startups it’s irrelevant, it’s a long road and management or lack of will be the determining factor. http://www.evancarmichael.com/Small-Business-Loans/3671/The-new-paradigm-for-VC-Investing.html http://www.evancarmichael.com/Small-Business-Loans/3671/The-new-paradigm-for-VC-Investing.html Venture Capitalists and Private Equity firms alike insist that they only way to garner return on investment is to exit. If you’re investing in businesses that have real revenues and are, or soon will be, profitable and cash flow positive, why don’t you hold the company in a portfolio and take returns in the form of annual dividends? Depending on an exit for a return on your investment seems the highest risk kind of investment of all. http://www.evancarmichael.com/Small-Business-Loans/3671/New-Efforts-to-Thaw-US-Credit-Markets.html http://www.evancarmichael.com/Small-Business-Loans/3671/New-Efforts-to-Thaw-US-Credit-Markets.html A recent press release highlighted some of the key initiatives that are under way to help small businesses who are struggling with existing Government loans as well as get new capital flowing into the market for small businesses. http://www.evancarmichael.com/Small-Business-Loans/3671/How-to-think-out-of-the-box-regarding-Equity.html http://www.evancarmichael.com/Small-Business-Loans/3671/How-to-think-out-of-the-box-regarding-Equity.html Equity is expensive and investors want to buy assets for 10 to 30 cents on the dollar. There are a number of different sources for equity that can be accessed.