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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.
BusinessWeek July 23, 2009	The SBA's Karen Mills on Thawing Credit How the Administrator of the Small Business Administration says her agency is helping get banks to lend to small business again.
HBS Working Knowledge September 22, 2014 Karen Mills	Online Banks Fill Funding Needs for Small Business In the final column on small business lending, the author is optimistic that the rise of alternative online banks can fund entrepreneurial business growth.
HBS Working Knowledge April 9, 2014 Carmen Nobel	A Playbook for Small-Business Job Creation Karen Mills left her post as SBA Administrator for a joint fellowship at Harvard to tackle a question she's faced her whole career: How can the United States drive innovation and turn it into jobs?
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.
Inc. June 2006 Olympia J. Snowe	How to fix the SBA Here is one senator's plan to make the SBA even more effective.
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.
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.
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.
Bank Systems & Technology June 24, 2008 Ann Grochala	In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system.
CFO November 1, 2004 Randy Myers	Squeezing the SBA Small-business borrowing may get more expensive.
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.
Inc. March 2004 Gossage & Wasserman	SBA Slams the Door on Borrowers In an e-mail sent out on the evening of Jan. 6, the SBA announced that 7(a) loans were going on indefinite "holiday." Through the program, the agency's most popular, the SBA backs loans for thousands of small businesses that have a hard time raising money through conventional means.
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.
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.
BusinessWeek October 22, 2009 Amy Barrett	For Entrepreneurs, Credit Eases--a Bit Lending to small businesses has increased from a drip to a trickle, thanks chiefly to SBA guarantees.
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?
AskMen.com Ross Bonander	Small Business Loans: Stimulus Opportunities If you've ever thought about starting your own business, now is the time to do it. Uncle Sam wants to help you out with small business loans.
Inc. February 2008 Robb Mandelbaum	Soldiering On to Remake the SBA Steven Preston talks about efforts to improve the SBA's processes - and its image.
Entrepreneur August 2010 David Port	But Where Is the Money? While small business gets talked up in the economic recovery plan, lending to small business is still down from what it was two years ago. Entrepreneurs are grumbling. And Karen G. Mills, head of the SBA, is taking questions.
U.S. Banker July 2010	Why We Don't Need Any More Bank Charters Unless bank organizers can make a compelling case that consumers and business owners aren't being served by existing banks, regulators should continue to clamp down on new charters.
U.S. Banker July 2009 Andrew Dubinsky	Electronic Lending Could Help Avert Another Crisis If regulators had the tools in place to effectively view complex debt instruments and the links between the financial institutions that securitize, hold, and insure them this crisis may not have happened.
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.
The Motley Fool June 2, 2010 Jennifer Schonberger	Are Small Businesses Still Struggling for Credit? There's an ugly outlook for U.S. unemployment: The Federal Reserve is projecting an unemployment rate of 9.1% to 9.5% for the end of this year, and 8.1% to 8.5% by the end of 2011. And much of that will come down to small businesses.
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.
The Motley Fool January 24, 2007 Dan Caplinger	The Dangers of Co-Signing Know what you're getting into before you guarantee someone else's debt. Co-signing on another person's loan is beyond the regular call of duty, and you shouldn't feel bad if you decide it's not worth risking your own financial stability to do it.
Commercial Investment Real Estate Jul/Aug 2011 David F. Webb	The Lending Scene Commercial mortgage-backed securities' return brightens the picture in primary markets.
Inc. September 2003 Elizabeth Wasserman	Time to Fix the SBA The Small Business Administration is in bad need of an overhaul. Here's Inc.'s bold plan to fix the SBA -- delivered just as the agency celebrates its 50th anniversary.
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.
Entrepreneur October 2003 Stephen Barlas	Growing Up Congress is set to increase the lending ceilings on SBA programs.
U.S. Banker February 2010 Donald Musso et al.	How Regulators Are Inhibiting an Economic Recovery Raising capital levels for banks deters new lending. Now is not the time for higher capital standards, but for enforcing standards already in place.
Entrepreneur April 2004 Julie Monahan	Quick Fix Do SBA express loans really shortchange entrepreneurs?
CFO January 1, 2008 Vincent Ryan	Small Business, Big Problems Lousy morale, decrepit systems, and a crushing workload: Can a private-sector CFO save the SBA?
Entrepreneur May 2004 Stephen Barlas	Feeling the Pinch A new proposal seeks to get the SBA's 7(a) loan program back on its feet. But what could it mean for you?
Commercial Investment Real Estate Nov/Dec 2009 Steve Bram	Capital Markets Conundrum Are there viable solutions to today's financing puzzle?
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.
Bank Director 1st Quarter 2011 Jack Milligan	In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry.
Inc. May 1, 2007	What the SBA Actually Does for Small Business An overview to services the SBA provides such as capital and contract assistance.
Inc. August 2003 Bobbie Gossage	SBA Finds Another Billion for Loans The Small Business Administration has created an additional $1.4 billion in lending authority.
Commercial Investment Real Estate Jul/Aug 2013 Elizabeth Braman	2013 Midyear Financing Report With an abundance of available capital, the first half of 2013 showed plenty of healthy competition to finance commercial real estate. Will this trend continue?
Commercial Investment Real Estate Jul/Aug 2010 David C. Hannah	Community Banks Step Into a New Role Banks can band together with other similarly situated community banks to share the credit risk through a loan participation or syndication arrangement.
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.
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.
National Real Estate Investor April 1, 2003 Kingsley Greenland	Liquidity Crisis Averted With a weak economy and the prospect of war, real estate investors are understandably nervous. The good news is that they aren't handcuffed by a 1990s-style liquidity crisis that brought the industry to a standstill a decade ago.
OCC Bulletin April 4, 2001	Leveraged Financing Guidance for bankers and examiners that more fully describes supervisory expectations regarding sound practices for leveraged financing activities.
CFO March 1, 2007 Rob Garver	Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend.
National Real Estate Investor June 1, 2005 Kingsley Greenland	Why Liquidity Should Help You Sleep Better There is no crystal ball that can predict the next lending squeeze, or if one will even occur. What is certain however, is that greater liquidity in the secondary market for commercial real estate loans is an important safety valve for the entire industry.
The Motley Fool January 28, 2010 Dan Caplinger	The Smartest Move Colleges Ever Made Eliminating the middleman serves both schools and students. Colleges are at least making the right response to the credit crisis by making loans directly to their students.
FDIC FYI January 29, 2003	Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe.