What appears to be the most challenging commercial banking climate in several decades is currently impacting many small business owners. The use of a small business financing expert is a prudent step for commercial borrowers to take in view of continuing business lending difficulties since such advanced help is usually a good idea when faced with complex problems.When it comes to running their own business, most small business owners probably have a very independent perspective. It is normal for most small businesses to postpone seeking outside consulting help even when facing a business loan rejection by their banker. Many previous business finance options are no longer available from traditional banks, and this might not yet be obvious to some small business owners. An appropriate starting point for seeking a small business finance expert is for a business borrower to realize that they have a commercial finance problem that requires outside advanced consulting help. For most this realization will occur after being turned down for a commercial loan by their current bank and not knowing what to do next. Some business owners might have already had this experience and then unsuccessfully tried to find new financing. The last straw that prompts a call for expert assistance in a growing number of cases will be the decision by many banks to permanently stop making commercial loans to small businesses.Some potential pitfalls should be anticipated during efforts to find a qualified and experienced working capital expert. An important practical reality is that there are very few individuals or companies that are qualified to act in the capacity of a small business loan expert. Problem-finding and problem-solving are both essential components of an individual being asked to provide advanced help which can be used to formulate effective business financing options. An adequate stock of these skills that are so critical to the success of a business financing expert are generally scarce commodities in any field but commercial financing in particular seems to be suffering from an ongoing shortage of these positive traits.There is an ample supply of former residential mortgage consultants that have attempted to add small business loans to their line of products but have virtually no meaningful experience involving complicated commercial mortgages. Small business financing is more complicated than realized by many borrowers. It literally takes at least several years to master the field, and then only if the individual is engaged in it as a full-time occupation and not a part-time venture. Based on this observation, a strong emphasis should be placed on finding a suitable full-time expert in an established commercial financing business with extensive experience. It will also be prudent to avoid a current banking relationship when seeking advice about who to contact as prospective business financing experts. This will reflect the very real possibility that a bank which has already been less than helpful in making needed loans will not necessarily have a trustworthy recommendation while also removing potential conflicts of interest.When seeking small business loan expert help, business owners should not lose sight of their immediate objective. The purpose in using a small business financing expert is to ensure that all effective and practical commercial finance options are fully reviewed. It is essential that commercial borrowers receive thorough and candid advice before finalizing any working capital and commercial loan agreements.