The caption for the 1984 science fiction film 2010, directed by Peter Hyams was “The Year We Make Contact” – perhaps in 2010 we will make contact with our lost economy.

As 2009 draws to its close, the status of the global economy, is ranked at about a ‘3′ on a scale of 1-10. With no realistic cures in sight, this ‘3′ may easily be a ‘1′ by the end of 2010.

Globally speaking neither the politicians nor the economists have come close to resolving the problem and in fact have failed in their every endeavor. Nothing they have tried has worked. Nothing they have implemented has borne any effects and they are fast running out of ideas.

The latest (but not greatest) idea is to devalue the US dollar. Actually, speaking as an entrepreneur and visionary, this isn’t such a bad idea at all.

But the solution to the crisis we believe, rests in the minds of businessmen who stand on the front line battling survival day after melancholy day. Put the money in the hands of businessmen not bankers, and things will improve. Allow businesses to invest in themselves and growth will and must result.

One of the problems is that finding the money has taken precedent over repairing the problem. No longer the world’s economic powerhouse, America’s economic future looks bleak. Every market surge is followed by an immediate selloff indicate a lack of faith and confidence on Wall Street. And Europe and the Far East no longer look to America for inspiration or ideas. Each country must fend for itself and not join together, as has been repeatedly suggested by the G-8 (now G20) team of incompetents. It is somewhat insane to believe that a change in the German or French government’s economic policies would direct affect the lives of citizens on Main Street USA and vice versa.

So what does 2010 hold? Do we make contact, with ourselves, with our economies, and with our daily lives? The answer is a resounding YES.

First we have to start believing in ourselves and our neighbors and rid ourselves of the clouds of paranoia and mistrust which are preventing all kinds of forward movement.

When it comes to business loans, a business loan broker is today’s best source for locating money. The successful broker has learned to adapt and survive in these difficult economic times, by developing a network of funding sources for its clients seeking loans.

The Web Lender, of Tel Aviv, Israel is one such successful business loan broker that boasts a network of over 400+ funding sources located on 4 different continents. We are informed, experienced, and respected.

Visit any or all of The Web Lender’s seven websites and gain a wealth of knowledge about business loans in today’s global economy.

The Web Lender acknowledges that being approved for a business loan from a bank is difficult if not impossible. 



In the old days, before the global economic crisis and credit crunch, conventional banks made business loans on their terms. But in today’s global marketplace banks aren’t making many loans at all.

Something had to change if business was to continue – and something has changed.

The Web Lender offers this contrarian business acumen.

YOU NAME THE LOAN TERMS (within reason, naturally) and we will broker your business loan accordingly. 



The Web Lender offers intelligent financial solutions, faster turnaround time, extremely competitive commission rates, and an extensive range of commercial development loan programs.



We broker international business loans, venture capital, commercial finance, construction, and commercial real estate loans.

We broker loans for green projects, new business loans for startups, new commercial loans, plus a diverse array of alternative business loan programs. 



We arrange financing within 45 days or LESS ! 



The Web Lender – 
Open For Business 24/7 


The credit crunch in Europe worsened over the summer as corporate bond finance issuance failed to plug the gap left by a sharp contraction of bank lending.

Net lending by banks went further into negative territory in July as companies paid back more loans than they took out new ones.

Loans outstanding contracted by a net €25bn ($36bn) in the month, the fifth successive month of an increasing shrinkage of supply.

At the same time, there was a retreat in the recent record corporate bond issuance.

Bond issuance in July declined for the first time since March, by €20bn month on month to €27bn, although bankers are convinced that it was only seasonal.
Bankers said the July trends had continued into August and would affect smaller companies most severely.

The scant availability of bank lending would penalise smaller companies that have no access to bond markets. As Europe’s commercial banks de-lever, lending is likely to be squeezed. There was €319bn of corporate bond issuance in the first seven months of the year and a decline of €33bn in European bank-originated loans. That marked a reversal of the balance of corporate funding from the same time last year, when bank loans totalled €356bn compared with corporate bond issuance of only €119bn.

Banks across Europe have insisted in recent months any decline in lending is due to a fall-off in demand, not supply.

As three more U.S. banks failed on Friday, bringing the total to 84 so far this year, the industry continues to grapple with deteriorating loans on their books and the importance of a good business loan broker for companies seeking a business loan, is both essential and valuable.

Regulators shuttered Affinity Bank of Ventura, California, Bradford Bank in Baltimore, and Mainstreet Bank of Forest Lake, Minnesota, which in total are expected to cost the government’s deposit insurance fund about $446 million.

The Federal Deposit Insurance Corp on Thursday reported that the insurance fund’s balance stood at $10.4 billion at the end of the second quarter. But the agency also noted that the figure was adjusted to account for $32 billion set aside for expected failures over the next year.

FDIC Chairman Sheila Bair said this week that bank failures will remain elevated as banks go through the painful process of recognizing loan losses and cleaning up balance sheets.

The total of 84 failures this year marks a sharp rise over the 25 last year, and the three failures in all of 2007.

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The British government has unveiled a plan to guarantee up to £20 billion of bank loans to small businesses. In return for a fee, the state will, in effect, insure banks against firms defaulting on loan repayments. It is the latest initiative to get banks lending again and help small business survive the economic downturn.

So Why Isn’t This Working ?

One reason that even healthy banks are not making new loans is that they can buy sound corporate credits at substantial discounts to par. While they earn a high return doing that why would a bank go to all the trouble and expense of making a new loan at a lower rate?

Banks are still writing off bad debts and other assets that have fallen sharply in value during the credit crunch. Existing small-business loans are defaulting at an alarming rate. More than 4.4% of small-business loans were in 30-day default, up from 3.48% a year ago. And 1.29% were delinquent 90 days, up from 1.04% a year earlier, while 0.63% were 180 days delinquent, double the rate a year ago, according to PayNet, a small-business payment network.

In a recession there is a greater chance that people will default on their mortgages / loans. Businesses are more likely to go under. Therefore banks want to be much more cautious about lending in case they lose their loan.

In the boom years, banks became highly leveraged. Basically this meant they lent a high % of their deposits. These business strategies are now seen to be too risky so banks are trying to encourage a greater % of deposits.

Banks are reluctant to lend to each other. There is a shortage of credit. Therefore, although credit is cheaper, it just isn’t there.

There Is A Solution

In these trying economic times The Web Lender acknowledges that being approved for a business loan from a commercial bank is difficult.

Traditionally, conventional banks make business loans commercial loans, and loans on their terms.

The Web Lender offers this contrarian business acumen.

You name the terms for your business loan.

Contact The Web Lender for more information.