Banks may not be making sufficient loans to small business, even when they have the ability to do so. The fact is, they make more money these days, with far less risk, by borrowing cheaply from the Federal Reserve and investing in government bonds.
Also, there is political regulatory meddling and strict bank supervision adding to the bank-lending-resistance picture.
Many thriving businesses are genuinely seeking loans from banks with funds. But, too many lenders are hesitant about extending loans they once more readily made. (See the Earl J. Weinreb NewsHole® comments and @BusinessNewshole at Twitter.)
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