Working capital loans and small business financing are heading in a new direction. What we are seeing now with commercial financing suggests that results for business owners will be confusing, uncertain and painful at times. One of the key factors impacting the new directions for small business loans is that banks and other commercial lenders have changed so dramatically in a very short period of time. These changes are not expected to be temporary in nature. With multiple bank examples, the new directions for commercial borrowers are not optional or voluntary. In most cases, if business owners do not move in a new direction for their business financing, they will be left without basic working capital financing and commercial loans. Because commercial lending is extremely competitive, new lenders have emerged to replace the old ineffective ones. Small business owners will now find that their business finance and working capital financing choices might have improved as a result.