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"Credit is not getting looser, it's getting tighter," said Withers.
“Anecdotally, I still hear complaints from small businesses that they still have trouble accessing capital,” said CBIA President Joe Brennan.
"Most people start a business, unfortunately, on their own credit cards," said Andrea Sotgiu, CEO of Lavan Financial Group.
Companies seeking to ride the recovery, as uncertain and erratic as it may admittedly seem at times in the short term, must be strategic in their use of credit.