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Illustration: Seesaw
Featured Article, ILSR Press Room filed under Independent Business | Written by Stacy Mitchell | No Comments | Updated on May 8, 2015

How Washington Punishes Small Business

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/how-washington-punishes-small-business/

Small business looms large in American political rhetoric. From the campaign trail to the floor of the U.S. House and Senate, members of Congress love to evoke the diner and dry cleaner, the neighborhood grocer and local hardware store. Ensuring the well-being of Main Street, we might easily assume, is one of their central policy aims. The legislative track record tells another story. It is one in which the interests of big corporations are dominant, and many laws and regulations seem designed to bend the marketplace in their favor and put small, independent businesses at a competitive disadvantage. Continue reading

Photo: Open Streets in northeast Minneapolis.
Featured Article filed under Independent Business | Written by Olivia LaVecchia | No Comments | Updated on Feb 23, 2015

The Do-It-Yourselves Downtown

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/do-it-yourselves-downtown-investment-cooperative-model/

In the vacuum left by both traditional economic development and Wall Street’s approach to finance, community real estate investment cooperatives offer a glimpse of a better way to channel capital, with benefits that include new jobs in the neighborhood, strong incentives for people to shop locally, local sources for key goods, closer ties with neighbors, and a return on investment. Continue reading

Photo: neighborhood business
Featured Article, Resource filed under Banking, Independent Business | Written by Stacy Mitchell | No Comments | Updated on Apr 16, 2014

Understanding the Small Business Credit Crunch

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/understanding-small-business-credit-crunch/

Even as their big competitors are awash in capital, many locally owned businesses are struggling to secure the financing they need to grow. A new ILSR analysis has found that, since 2000, bank lending to large businesses is up 36 percent, while small business loan volume has fallen 14 percent and “micro” business loans — those under $100,000 — have plummeted 33 percent. Continue reading