AEX Commercial Financing Group


AEX Commercial Financing Group acts as a small business consultant throughout the United States. Our small business consulting efforts focus on the following:

  • Commercial lender negotiations
  • Small business communications with lenders and businesses
  • Small business planning (especially contingency business finance plans)
  • Formulating practical solutions for avoidable business problems and risk areas


Our small business finance consulting services will frequently produce improvements for business financing, commercial mortgages and working capital loans. AEX Commercial Financing Group also provides commercial bank consulting to assist business owners in obtaining a candid evaluation of current and prospective banking relationships. Our clients repeatedly tell us that one of their most disliked activities involves communicating with commercial lenders, so we are often especially productive and helpful when assisting with business lender communications.


AEX Commercial Financing Group consulting fees currently range from $1500 to $4500. We have eliminated working capital loan and commercial financing fees paid to us by commercial borrowers and charge only a fixed consulting fee based on the time and effort required to help business owners. When lenders compensate AEX for our efforts in arranging business financing for a client, we share any resulting payment on a 50/50 basis with our client.

Beginning January 2012, AEX has added a special small business consulting program that will have lower initial fees ranging from $300 to $900. This will allow us to provide preliminary feasibility analysis and other specific projects (such as help in determining whether a specific bank or other lender should be avoided) at a reduced cost in comparison to our regular fee structure (which will continue to range from $1500 to $4500). Fees for AEX special small business finance consulting will NOT be eligible for reimbursement if we subsequently receive compensation from lenders.




Small Business Finance Help
View more presentations from Stephen Bush

Small business owners are increasingly realizing just how important risk management has become for their business finance efforts. While this involves evaluating a number of complex factors which can directly (or indirectly) impact commercial financing success, AEX Commercial Financing Group has identified a core group of risk factors that are particularly essential in achieving effective risk management for commercial loans and working capital financing.


Stephen Bush is the CEO/Founder of AEX Commercial Financing Group and is a small business financing expert who has written extensively about how to find practical solutions for small business finance problems. His latest series of special reports explain commercial finance and business lending problems in concise and candid terms. Two of these reports are “Seven Words to Describe Merchant Cash Advances” and “Six Words to Describe Business Financing”. To learn more about his current recommendations, small business owners should contact Steve to receive a straightforward review of realistic business financing options.

  Reliable and Effective Options for Small Business Financing 

The process of dealing with business lenders has become more difficult for small businesses, and business bank consulting help appears to be an effective method for realizing working capital management and business loan success. Locating a qualified small business financing expert is a primary step in choosing a commercial bank consultant. The most helpful business finance consultants for this particular role are likely to be those who are especially adept at business lender negotiating. While this task is almost certain to be difficult, it must be pursued until a business owner is satisfied with their choice.




BUSINESS FINANCING UPDATE:

  • Until further notice, AEX is not charging any loan fees or points for either short-term working capital financing or commercial real estate loans.

  • AEX now provides small business loan programs throughout the U.S. and has recently reduced professional fees for their business finance consulting and commercial financing programs. 

  • Numerous business lenders, commercial loan brokers and small business finance companies have recently gone out of business due to adverse financial conditions.

  • AEX Commercial Financing Group continues to be a reliable and effective source for working capital, business consulting, merchant cash advances and business loans.

  • For prudent small business owners, firing your bank and your banker has become both a more acceptable and necessary solution when your business is unable to obtain sufficient working capital financing and business finance help. Commercial borrowers are increasingly realizing that they must look out for their own best interests because it is unlikely that their business banker is up to the task anymore.

  • Based on recent reports of "problem banks" from the Federal Deposit Insurance Corporation showing well over 800 banks on their monitoring list, the FDIC could very well end up firing your banker for you if you don't do it first.
  • For small business owners seeking commercial loans, the use of qualified business bank consultants will be essential in most cases. Our commercial bank consulting services will provide candid and cost-effective business financing strategies.



AEX Commercial Finance Funding Press Release Excerpt:

Business Finance Consulting Activities Expanded by AEX Commercial Financing Group

AEX has recently expanded their commercial finance consulting practice in response to a growing demand by small business owners for specialized help in dealing with more complicated commercial loan procedures and problematic commercial lenders. The AEX business finance consulting efforts are designed to give businesses effective and timely strategies for dealing with the recent turmoil in credit and financial markets. According to Stephen Bush, Founder and Chief Executive Officer for AEX, "In order to immediately help small business owners resolve many working capital finance complications that have emerged during the recent financial crisis, AEX Commercial Financing Group is devoting increased efforts to ensure that we will be able to assist as much as possible. For example, we have discontinued our small business loan officer training program to allow us to spend more time on individualized consulting with business borrowers. We have also reduced fees for our services in order to make AEX business loan and consulting programs more affordable for small businesses." Three of the high-priority business funding issues to be addressed by AEX are avoiding problems with SBA loans, refinancing business debt and identifying new sources for working capital financing.

Other recent AEX press releases —

  • New Commercial Finance Sources for Working Capital and Small Business Financing
  • Working Capital Journal Coverage About Recent Business Finance Decisions by Lenders
  • AEX Sets the Record Straight About Availability of Commercial Loans
  • Working Capital Financing and Small Business Loans Analysis

Please contact Stephen Bush at AEX Commercial Financing Group for more detailed information about small business finance funding and AEX press releases - Business Consulting




AEX provides commercial financing and small business finance communications help throughout the U.S.

Business Financing Services:

  1. Working Capital Cash Advances

  2. Commercial Mortgage Loans

  3. Working Capital Management

  4. Small Business Consulting

  5. Specialized Commercial Properties: Golf Course Financing and Funeral Home Loans (plus others)

  6. SBA Loans and SBA Business Loan refinancing


We appreciate hearing about how we have done with our efforts to help small business owners throughout the United States. Here are four recent (and unsolicited) comments about our small business finance services:

  • This business financing website (AEX COMMERCIAL FINANCING GROUP) is certainly like a breath of fresh air in terms of straightforward comments and suggestions. Extremely helpful in every possible way for a small business owner.
  • Loved your website. Plain, simple and to the point.
  • Unique and helpful content for a small business financing site. Unusually candid and practical commercial finance advice.
  • Exceptionally helpful small business finance website. Concise and understandable analysis of realistic business financing options available to commercial borrowers.


We encourage commercial borrowers to contact us directly for candid advice. Our website provides an efficient way for us to communicate in a timely manner about key business finance issues, but it is not practical to include updates concerning all critical developments on our “front page”. Here are summaries of several recent observations —

Business Planning and Management Tools to Improve Commercial Financing — To help them deal with recent distressed financial conditions, small business owners have been searching for additional management tools. Business planning and consulting are likely to be among the most effective alternatives. The need for new business planning tools is rarely a high priority for a company that is not experiencing one or more substantial problems. However even for the most healthy business, contingency plans are advisable. The value of contingency planning for business financing is sharply illustrated by recent examples of banks suddenly eliminating commercial loan programs with little or no advance notice. Unfortunately such changes will continue to occur with little warning due to the level of chaos that currently prevails throughout commercial banking. Whenever there are complex problems, there are rarely simple solutions. To successfully navigate through the maze of current problems and changes, small business owners should generally avoid any business consulting expert that portrays the problem-solving process as quick and easy.

Seven Words about Commercial Mortgage Solutions — An approach similar to the one seen in this report was used in several of our related business financing articles that include “Business Finance Options in Six Words”. This article provides small business owners with a straightforward and concise explanation of current business lending problems by including several descriptions of commercial mortgage loans in seven words.

Merchant Cash Advances Explained in Seven Words — Business cash advances are emerging as one of the few effective working capital financing options for small business owners. Because the practical use of this specialized small business financing approach is probably misunderstood by most commercial borrowers, we published a report providing a series of seven-word descriptions about merchant cash advance services.


AEX Small Business Finance Funding Report Excerpt:

Guerrilla Tactics for Small Business Loans - A Short Survival Guide for Commercial Borrowers

It is increasingly likely that small business owners will need to resort to aggressive use of guerrilla loan tactics when seeking appropriate small business finance funding. In the current commercial lending climate, business borrowers should not hesitate to do whatever it takes for their business to survive. These suggestions should be considered by most commercial borrowers in the early stages of their commercial financing search due to the growing failure of banks to provide a normal level of business funding. Because the current business lending climate can be accurately described as hostile and confusing due to complicated commercial finance programs and banks which predominantly are not functioning in a normal manner, here are several guerrilla financing tactics which are likely to be helpful (and necessary) for most commercial borrowers:
  • Business Consulting as a First Line of Defense
  • Determine Whether Your Bank is a Good Bank or a Bad Bank
  • Be Prepared to Fire Your Bank and Your Banker
  • Business Cash Advances and Other Short Term Financing Options for Working Capital
  • Additional Guerrilla Financing Tactics for Small Business Survival (updated regularly by AEX)
This report illustrates the importance for small business owners doing whatever it takes to survive in a tough business climate. In addition to the guerrilla financing tactics described, there are several other important small business loan options which should be considered by commercial borrowers before finalizing their commercial loans, SBA financing or commercial mortgages.


For a related discussion of how important it is for small business owners to be more pro-active in their working capital financing, please review the "Business Consulting" section on this website - Small Business Loans


Small Business Survival Guide — Guerrilla Financing Tactics to Obtain Working Capital

Additional recommended AEX Reports:

  • Small Business Financing Goes into Intensive Care
  • Working Capital Loans - finding reliable sources and new funding options
  • Zombie Banks - identifying “dead banks walking” before small business loans are obtained
  • Commercial Financing Help - avoiding predatory commercial lenders
  • A Long and Bumpy Road for Working Capital Financing and Small Business Finance
  • Firing Your Banker - replacing ineffective lenders for commercial loans
  • Commercial Loan Options to Replace Vanishing Lines of Credit for Small Businesses

For more details about the full report or other AEX commercial finance funding reports, please contact Stephen Bush.


Recent Business Finance and Commercial Real Estate Financing thoughts from Stephen Bush, Founder and Chief Executive Officer for AEX Commercial Financing Group —

Small Business Negotiation Strategies and Commercial Lenders -
Small businesses often find themselves in a seriously disadvantaged position when faced with almost any business negotiation scenario because of their size and perceived need to be diplomatic in such situations. Commercial lender negotiations represent a particular example of just how difficult small business communications can be without practical negotiating strategies.

Measuring and Reducing Business Finance Risks -
There are a growing number of common business finance risks which should be routinely measured by commercial borrowers. Since it can appear to be a daunting process for the typical small business owner, this critical step is often bypassed in the interest of expediency. As might be expected, this serious omission rarely has a positive outcome.

Phantom Commercial Loans -
Commercial loans have changed dramatically during the past two years. For small business owners, one of the most exasperating aspects has been the uncertainty as to whether business financing is actually available from commercial banks and other lenders.

In today's increasingly challenging financial environment, non-traditional commercial lenders should be actively considered for most business financing situations. AEX has consistently completed difficult commercial loans and working capital funding for restaurants, funeral homes, gas stations, golf courses and other special purpose commercial property. Funeral home loans and golf course financing have especially become rare commodities, and we are particularly pleased when AEX can help by providing unique and hard-to-find small business loan programs. 


AEX Commercial Financing Group can help most commercial borrowers immediately with effective business finance funding programs and straightforward advice such as the following:

  • Practical commercial finance guidelines about which lenders should be avoided.
  • Business funding solutions that eliminate most commercial mortgage loan difficulties.
  • How to avoid 10 key problems when obtaining a business cash advance.
  • New (and effective) sources for short-term working capital financing.

Please contact us directly for our assessment of key commercial finance funding issues likely to impact your specific business situation.

For a summary of critical difficulties to avoid with credit card receivables factoring (obtaining working capital by using credit card processing for merchant cash advances), please see our "Working Capital Advances" Summary - Working Capital Finance



Important Changes Impacting Commercial Financing:

One of the most critical trends effecting small business financing and working capital loans has been the extent to which changes have occurred recently. To highlight some of these changing guidelines for commercial finance funding, we have added a summary page entitled "Business Finance Changes” that includes a brief discussion of the following:

  1. Firing "Bad Banks" and "Bad Bankers" — Evaluating when to fire your commercial banker
  2. Revisions in stated income commercial loans
  3. Commercial construction loan programs
  4. A shrinkage in the number of business lenders
  5. An increased frequency of business finance funding rejections by traditional commercial lenders
  6. Changes in how business cash advance programs are being used
  7. New alternative business funding programs for working capital management

We expect even the "temporary" measures to be in place for a lengthy period of time due to the severity of current economic conditions, and some of these measures are likely to end up being permanent — these are serious and real changes that cannot be ignored by business owners as they develop their plans for future financing and refinancing.

As we have noted in various reports, Plan B Contingency Financing is a promising tool that will assist businesses to cope with possible changes in their working capital loans. Based on this approach, if a business has ANY commercial loans or commercial real estate financing, a Plan B should be formulated NOW for the contingency that alternative financing could be needed soon. Business owners concerned about both current and future business finance funding changes should contact AEX for assistance in implementing this practical and effective strategy for their small business loan and working capital financing programs.

The multiple and rapid changes that we are now experiencing with commercial financing are likely to result in at least some confusion for commercial borrowers. By having a candid conversation with a commercial loan expert such as AEX Commercial Financing Group, business owners should be more capable of implementing an appropriate strategy for the vast changes which have recently occurred or are about to become effective for most business financing and working capital finance funding throughout the U.S.

For more detailed analysis of the business finance funding changes noted above,
please see the AEX "Business Finance Changes" overview - Business Finance

Some headlines from articles published by AEX Commercial Financing Group:

  • Working Capital Described in Six Words
  • Refinancing Business Lines of Credit
  • What Went Wrong with Commercial Financing for Small Businesses?
  • Business Loan Help - preparing for business finance changes
  • Dead Banks Walking - eliminating “zombie banks” from new business financing
  • Business Bank Consulting Help


Please contact Stephen Bush for help involving working capital loans, business cash advances and commercial mortgage loans. For additional observations about strategies for small business loans and working capital funding, please review the "Commercial Finance Review" and "Small Business Comments" pages - Commercial Financing




Small Business Finance Communications and Small Business Consulting Help —

Commercial borrowers needing help with current commercial loan and working capital management situations should contact Stephen Bush (Founder and Chief Executive Officer - AEX Commercial Financing Group) for individualized and candid advice about appropriate small business loan programs.





Small Business Finance Communications Solutions


 AEX — Practical and Candid Business Financing Options