US DATA: NFIB study “Small Business, Credit Access, and a Lingering
Recession,” its 3rd annual credit study, finds “the real estate overhang
continues to depress small-business growth and curb capacity to borrow.
In 2011, the number of small employers obtaining credit from financial
institutions was approximately the same as the two years prior. However,
demand for credit increased in 2011, meaning more small employers were
shut out of the credit market than in prior years.”