The economic recession heralded bad times for all market players

It is a well known fact that those who have made it in life, financially speaking, have at one time or another had to borrow money from a financial institution. Many financial advisers advocate some form of loan or credit for people looking to start their own business or a start-up company. This is also very practical for companies looking to expand their operations, launch new products or acquire another company to grow. It allows them to better serve their customers and to keep up with the very dynamic nature of the business environment. Companies need money to invest in technological initiatives to help them stay afloat and gain a competitive edge over their rivals.

The economic recession heralded bad times for all market players in the financial services industry. Even though the recession is technically over, its after-effects are still felt by a majority of people. These are particularly bad times for borrowers and lenders. It has become very difficult for borrowers, both individual and corporate, to secure loans for their needs, be it personal or business. Although banks are eager to give out loans they are hesitant because of the risks involved.

Banks stand to gain much more from issuing loans than by investing their money in government treasuries, but there are still issues that are making these banks hesitate to give out loans. For instance, there is a lot of uncertainty about the global financial market particularly in Europe. Greece has been bailed out twice by the European Union and concerns linger about Portugal and possibly Italy. Recently the credit rating of Portugal was downgraded to junk by one of the ratings agencies. Also Italy is such a big economy that if something happens there then it will have much wider impact, especially for banking institutions. Closer home, there is a lot of concern about federal debt limit discussions and impending deadline of Aug 2, 2011. Also regulators are trying to enforce rules strictly, making many banks cautious about lending.

Even borrowers have been affected by the strict implementation of the rules. The business environment is so harsh for the players involved in this business that both giving and getting a loan is currently considered a very long process. If you intend to seek a loan you will have to be very patient. It is now next to impossible to get 100% financing on a project from a financial institution, compared to a few years back when all you had to have was a sound business plan.

The future looks bleak for those who want to invest in capital intensive projects. The avenues at their disposal for financing are limited and so are the funds which they can access. We can only hope that with the implementation of the new financial reform act and a quick resolution of federal debt limit issue, things will change for the better for everyone.

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