The credit conundrum for small businesses

Nationwide, banks' small-business loan portfolios are shrinking. Some business owners say it's much more difficult now to get financing. Banks say demand is down. Where do you stand?

My business has tried to get credit within the last 18 months, but was turned down. [31 votes] (40%)
My business was able to secure financing within the last 18 months. [18 votes] (23%)
We haven't been interested in borrowing since the recession hit. [29 votes] (37%)
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