The significant tightening of business credit brought by the recession has begun to lift. One recent, independent analysis of FDIC data reported five straight quarters of increasing overall commercial and industrial lending by banks.

As the credit squeeze eases with improving economic conditions, lenders remain cautious in their underwriting, even as interest rates remain at near-record lows. Consequently Kitsap area 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. read more »

Financing programs through the U.S. Small Business Administration (SBA) can help you expand your small business by providing financing when conventional lenders may not.

Unfortunately, changes in government programs have led to misunderstandings, even myths, here in Kitsap County and around the country.

My goal is to clear up some of the common myths about SBA loans. read more »