Most small enterprises could be severely impacted by recent commercial lender changes. The, the business enterprise lending changes are permanent and can’t be ignored if the commercial borrower really wants to continue their present banking relationship. One noteworthy exception is illustrated by a few new plus much more flexible commercial lending sources. One of the primary commercial lending changes involves new guidelines for working capital financing. Most banks seem to be quietly eliminating business a line of credit or severely lowering the amount they may be happy to finance to a level is not useful to an average business. Few businesses can survive without a reliable way to obtain working capital, so this change offers to have the highest priority from most small businesses. To replace the disappearing commercial credit lines, essentially the most practical alternatives for business borrowers include working bad credit cash loans and merchant financing from with the alternative commercial finance sources still active in small business financing programs. Another business lender change is illustrated from the impossibility of locating investment property financing.