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U.S. Banker December 2010 Rob Garver	SBA Aims to Attract More Banks The lower fees and higher guarantees enacted for the government s small-business lending programs have some in the industry optimistic that interest by banks might surge.
HBS Working Knowledge August 4, 2014	Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons.
U.S. Banker February 2010 Rob Garver	What Now? If Washington really wants to get credit flowing to small businesses, it could modify TARP, relax capital requirements and rethink its stance on industrial loan companies. Or it could do nothing at all.
CFO February 1, 2011 Vincent Ryan	Help for Small Business? Will community bankers tap a $30 billion fund intended to get capital flowing to small businesses?
Entrepreneur November 2004 C.J. Prince	A Loan Time With small-business lending up across the board, now's a great time to get the capital you need.
The Motley Fool May 9, 2011 Cindy Johnson	Are Banks Starting Another Race to the Bottom? Easier credit standards are being driven by competition to lend.
HBS Working Knowledge July 21, 2014	Is a Gap in Small-Business Credit Holding Back the American Economy? A former head of the US Small Business Administration, analyzes the current state of availability of bank capital for small business.
U.S. Banker February 2007 Andrew Reinbach	Are Small Banks Reevaluating A Big-Bank Technique? Scoring small-business loans is often believed to be unnecessary at the community bank level, especially if the lender and applicant know each other. But it may yet be valuable for credit quality.
BusinessWeek November 19, 2009 James C. Cooper	Business Outlook: A Lifeline of Credit for the Recovery Lending remains tight, but overall bank standards are relaxing, and that will make it possible for businesses to expand as demand picks up
CFO March 1, 2012 Alix Stuart	Capital vs. Confidence Banks say they want to lend to smaller companies, but credit remains tight. Is relief in sight?
CFO December 1, 2009 Alix Stuart	Small Consolation Despite the lip service paid to the importance of small businesses, efforts to ease their credit woes have come up short.
Reason March 2009 Veronique de Rugy	Dissatisfaction Guaranteed The government has decided to encourage more lenders to take more chances by guaranteeing yet more loans to high-risk borrowers. The only guarantee for these loans is that our children will be paying billions to cover the losses.
U.S. Banker June 2007 John Tozzi	Union Bank of Cal's Edge Sharpens Its Diversity Success Taking advantage of a little used Fed exemption, one California bank made 263 loans to minority borrowers last year that would have been denied under the bank's usual lending criteria.
U.S. Banker January 2011 Alan Kline	Common-Sense Ideas for Consumer Lending Even the smallest consumer loan requires almost as much documentation as a $250,000 business loan, and it's only going to get worse under Dodd-Frank.
Inc. September 2003 Amy Gunderson	Banks May Sell Off Your Loans A secondary market for small-business loans could benefit entrepreneurs.
Bank Director 1st Quarter 2011 Jack Millligan	Is the Community Bank Business Model Broken? The concept of community banking is still viable, but the model that many small institutions employ has to change.
The Motley Fool October 9, 2008 Dan Caplinger	The Real Threat to the U.S. Economy While big companies grab the headlines, small businesses need credit they can't get.
U.S. Banker February 2010 Scott Anderson	Not Just Hype -- Small Business Means Jobs Bankers are stuck between Obama's wishes and regulators heightened caution over extending credit to small firms. Meanwhile, the recovery stalls.
U.S. Banker July 2008 Anthony Malakian	Small-Company Failures May Cause Big Migraines Oil has topped $139 a barrel. Food prices are skyrocketing. Utilities are pricier than ever. Inflation is on the march. It's no wonder that small-business owners are none too confident about their future. This doesn't mean there aren't opportunities for smart lending.
Bank Director 4th Quarter 2010 Jack Millligan	A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control.
BusinessWeek January 20, 2010 Peter Coy	Everyone Wants a Piece of the Banks Shareholders are clamoring for higher dividends. Borrowers want more loans. And the Obama Administration is trying to levy a new tax.
U.S. Banker April 2011 Barbara A. Rehm	Excess of Reserves, Shortage of Facts The Fed alone - not actions by banks - dictates how large the reserve number is. And it is the Fed s expansion of its balance sheet that has ballooned reserve levels at banks.
U.S. Banker November 2008 Anthony Malakian	Main Street Wants Bigger Small Business Bite Community banks are steadily loosening the stranglehold that the nation's big banks have on the small business market.
The Motley Fool February 1, 2010 Morgan Housel	Banks Aren't Lending? Says Who? The popular chant that "banks aren't lending, banks aren't lending!" is grossly misconstrued.
Commercial Investment Real Estate Sep/Oct 2013 Jeff Rauth	Follow the Money What are today's most financeable deals? Several market forces currently at work foretell a stronger lending environment in the next 12 to 18 months.
Inc. November 2004 Darren Dahl	Despite Smaller Loans, SBA Breaks Records Why 2004 was great for the Small Business Administration.
AskMen.com March 4, 2001 Luis Rodrigues	The Truth About Bank Loans When the time comes to borrow money from the bank to buy a house, a car or start a business, people still get extremely stressed about meeting with the banking loans officer...
U.S. Banker March 2011 Steve Garmhausen	SBA Revamps Lending for Underserved Markets After too many defaults and too little loan volume for its Community Express program, the SBA is starting over -- and excluding banks this time.
FDIC FYI February 27, 2002	Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans...
Entrepreneur August 2002 C.J. Prince	Take This Hand Banks are looking to find a nice entrepreneur and settle down.
CFO March 1, 2012 Sarah Johnson	Collateral Damage More companies sought credit last year, but the number receiving it didn't keep pace.
The Motley Fool May 10, 2011 Cindy Johnson	How Will Banks Make Money for Real? Declining loan losses are a large but unsustainable source of bank profits.
U.S. Banker May 2010 Michael Sisk	An Uneasy Relationship Thanks to some high-profile community bank failures, small banks can t get loans from correspondent banks, threatening their own ability to lend.
CFO March 1, 2009 Vincent Ryan	The Big Freeze CFOs hope government intervention will soon thaw frozen credit markets. That's not likely.
HBS Working Knowledge August 28, 2014	Government Can Do More to Unfreeze Small Business Credit In part three of her series on the state of small-business lending, Karen Mills discusses how public-private partnerships and government guarantee programs have the potential to enhance economic growth.
U.S. Banker January 2011 Scott Anderson	Short-Term Gain, Long-Term Pain The Fed s plan to buy $600 billion of Treasury bonds might boost demand for loans, but this latest round of quantitative easing could hamper bank profitability and continue to restrain the economic recovery.
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
U.S. Banker April 2011 Hugh Kelly	There They Go Again? Banks opening the spigot for commercial real estate lending are not as foolhardy as some critics contend.
The Motley Fool November 26, 2008 Alex Dumortier	The $800 Billion Pick-Me-Up for Consumer Credit The central bank announces an $800 billion support package aimed at spurring mortgage lending and consumer credit, including car, credit card, and small business loans.
BusinessWeek August 5, 2010 John Tozzi	Small Business Lending: The Squeeze Goes On Banks had ambitious small business lending goals for 2010, but they're having a hard time finding worthy creditors with solid expansion plans.
BusinessWeek March 15, 2004 David Fairlamb	Banks Put The Squeeze On Euro-Zone Growth Cautious lenders are keeping interest rates up -- and making loans harder to get. That could stall an already slow recovery
U.S. Banker February 2010 Alan Kline	It's Too Soon to Pull the Plug on Higher SBA Coverage In the nine months after the stimulus bill was passed, lenders originated more than $16 billion in SBA-backed loans. It s fair to say that many of those loans would not have been made if not for the increased guarantee.
U.S. Banker April 2011 Rob Garver	Reluctant Role Model Bank of North Dakota s Eric Hardmeyer runs the nation s only state-owned bank, and he s proud of it. But even he is skeptical of efforts around the country to replicate the model.
U.S. Banker February 2009 Earl Howell	The New Model for Correspondent Banking The correspondent bank in the form of a "bankers bank" has a proud history of service and the success of community banks is in no small part a result of the products and services provided under the bankers bank banner.
Entrepreneur August 2008 C.J. Prince	Something to Bank On Community banks have plenty of money to lend, but intense scrutiny has raised the bar.
Entrepreneur February 2010 Julie Bennett	What to Do When the Bank Pulls Your Line of Credit A closer look at who's lending and when the cost is too high.
U.S. Banker September 2010 Alan Kline	Tying Loan Rates to Job Creation Loan for Hire, which runs through year-end, is part of a broader commitment by Chase to up its small-business lending by 40 percent this year over last.
Entrepreneur February 2005 C.J. Prince	New Way to 7(a) With no more federal subsidy, entrepreneurs are uncertain about the future of small-business loans.
CFO November 1, 2004 Randy Myers	Squeezing the SBA Small-business borrowing may get more expensive.
The Motley Fool July 21, 2011 Morgan Housel	Banks' Big Loan Bust There's a new trend in banking: loan shrinkage. What's going on, and why should you care?