Commercial borrowers have probably already discovered that working capital loans and business mortgages have become more complicated and are now difficult to obtain even under the best of circumstances. For small business owners, what would probably be most helpful under these problematic financial conditions is a brief and candid description of business finance options that are realistically possible in a challenging commercial lending climate. There have recently been several thorough reports published which appear to do just that. One report includes a series of six-word explanations about commercial loans while another has used a similar format to discuss working capital management. Commercial financing has always been more complicated than realized by business borrowers, but during the past two years the level of complexity and misunderstanding has reached epic proportions. Any attempt to boil this complex field down to a more understandable level should be seen as a positive step that is long overdue.