You need money for your business. You have been to your bank. You filled out forms, completed the application, gave them the paperwork they wanted, and then you waited, and waited. Finally you were told "No, that you don't qualify." What do you do? You go to another bank, fill out forms and give them everything that you ask. Heck, you'd give them a pint of blood if they told you it would help you get the approval. Finally, they tell you "NO". Perhaps it was because you were not in business very long. Perhaps your tax returns didn't show enough income. You are upset and angry. What do you do?

You think about it. You know that you have a good business. You know that you' re making money. So what you are not in business a ton of years. Someone should help you. You are expanding a successful business.

You go to a third bank. And, you go through the same old stuff, paperwork, paperwork, paperwork. But, after a week you find out the answer is NO.

You talk to relatives who own businesses. You to friends who own businesses, successful businesses. They tell you Money is tight. It's hard to borrow money right now. Banks don't want to lend right now.

And, what about the guys with fine ideas, the guys with great ideas, the guys with new inventions, the guys with a new patient. Or, the guys with a fabulous new product.

Do they go to the bank to start their new businesses? Do they get their loans approved. The answer again is still NO!

You might ask why is this happening? You'll get a variety of answers. Judge for yourself; is it because banks don't have the money? How about private investors? You find out some names. You call these people. You find out they are very, very selective. They don't make many loans. They sometimes don't return phone calls. They often protect their privacy.Their phone numbers are not published. Sometimes they are not interested in the type of business you are in. Sometimes they will talk to you. Sometimes they will even look over documentation you send to them, but are still not interested.

I believe it is the economy. When the economy is weak, like it is now, businesses do not get the money they need from the traditional sources. They cannot grow. They cannot expand. They cannot hire new employees, buy a lot more inventory, and produce 50% more product, and sell those products, and make more profit.

Something must change. Perhaps it will soon.