Government Can Do More to Unfreeze Small Business Credit. Karen Mills, August 28, 2014, Opinion. “Access to credit is critical to the success and job-creating ability of America’s small businesses. But small business credit was hit hard during the recent recession and has been slow to recover. Beginning in early 2009, the federal government acted quickly to unfreeze credit markets with programs ranging from loan guarantees to capital infusions and regulatory changes. A number of these were extremely effective and also efficient in their use of taxpayer dollars, but most were not meant to be permanent…” Link