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Crucial first step in access-to-capital process overlooked

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Surveys show that five years after the 2008 financial crisis and before the sequester, small businesses still have a hard time getting loans. And the smallest of companies, with the most potential for growth, have the most difficulty accessing credit.
A recent survey commissioned by the American Sustainable Business Council and the Main Street Alliance asked owners of smaller companies, those with two to 99 employees, if access to sufficient loans and credit at reasonable rates was a problem. Almost half (45 percent) said that it was at least somewhat of a problem. This survey skewed heavily towards very small businesses — so called micro-businesses — with 38 percent of the businesses having two to four employees, and 52 percent total having fewer than 10 employees.
If we’re concerned about job creation, access to credit for small businesses needs a boost. What can be done?
My 25 years of experience in the micro-lending field have led me to understand that the single most effective way to increase the access to capital for small businesses overall is to support business assistance programs.


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