Why Small-Business Lending Is Not Recovering. Karen Mills, August 4, 2014, Opinion. “During the 2008 financial crisis, small businesses were hampered in securing bank credit because of a perfect storm of their falling sales and weakened collateral, and growing risk aversion among lenders. Those days are not over. While lingering cyclical factors from the crisis may still be constraining access to bank credit, there are also structural barriers that seem to be preventing banks, both large and small, from ever fully returning to the small business market. In the recent recession small-business sales were hit hard and may still be soft…” Link