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Photo: neighborhood business
Featured Article 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. To shed light on this problem and help inform policy discussions, ILSR has published an overview of the small business lending landscape. Continue reading

Graph: Change in Volume of Bank Loans to Businesses, by Loan Size, 2000-2012
Resource filed under Banking, Independent Business | Written by Stacy Mitchell | No Comments | Updated on Apr 15, 2014

Change in Volume of Bank Loans to Businesses, by Loan Size, 2000-2012

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/change-volume-bank-loans-businesses-loan-size-2000-2012/

Since 2000, the overall volume of business lending per capita at banks has grown by 26 percent, but this expansion has entirely benefited large businesses. Small business loan volume at banks is down 14 percent and micro business loan volume is down 33 percent. Continue reading

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Resource filed under Banking | Written by Stacy Mitchell | No Comments | Updated on Apr 15, 2014

SBA Loans Decrease in Number, Double in Size

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/sba-loans-decrease-number-double-size/

Over the last few years, the U.S. Small Business Administration (SBA) has dramatically reduced its support for smaller small businesses and shifted more of its loan guarantees to larger small businesses. Continue reading

Image: First Slide in Presentation
Resource filed under Independent Business | Written by Stacy Mitchell | No Comments | Updated on Feb 19, 2014

Findings of the 2014 Independent Business Survey

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/findings-2014-independent-business-survey/

This presentation presents the key findings of the 2014 Independent Business Survey. It includes new data on the impact of “buy local” campaigns; a ranking of the biggest challenges facing small businesses, from online competitors to the difficulty of obtaining financing; and information on the public policy changes that small business owners believe would most help their businesses. Continue reading

Image: 2014 Independent Business Survey Cover
Featured Article, Resource filed under Independent Business | Written by Stacy Mitchell | No Comments | Updated on Feb 6, 2014

Independent Business Owners Report Growing Public Support, Call for Policies to Level the Playing Field

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/2014-survey/

A survey of 2,602 independent business owners across the U.S. has found that the Buy Local message is boosting customer traffic and improving the outlook on Main Street. But entrepreneurs also say policymakers need to do more to create a level playing field and ensure that small local businesses have an equal opportunity to compete. Continue reading

Image: 2014 Independent Business Survey Cover
ILSR Press Room filed under General | Written by Stacy Mitchell | No Comments | Updated on Feb 6, 2014

New Survey: Independent Businesses Report Growing Public Support, Call for Policies to Level the Playing Field

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/ilsr-aib-release-national-independent-business-survey/

WASHINGTON, D.C. (Feb. 6, 2014) — A survey of 2,602 independent business owners across the U.S. has found that the Buy Local message is boosting customer traffic and improving the outlook on Main Street. But entrepreneurs also say policymakers need to do more to create a level playing field and ensure that small local businesses have an equal opportunity to compete.

The survey was conducted by the Institute for Local Self-Reliance (ILSR) in partnership with the Advocates for Independent Business (AIB) coalition. Continue reading

Towards a Localist Policy Agenda
Featured Article, Resource filed under Independent Business | Written by Stacy Mitchell | No Comments | Updated on Jul 5, 2013

Towards a Localist Policy Agenda

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/localist-policy-agenda/

To regenerate local businesses, we’ll need more than Buy Local campaigns; we’ll need to change public policy, which now favors big business. In this presentation, Stacy Mitchell looks at seven key policy areas to focus on. Continue reading

Business Open Sign
Featured Article, ILSR Press Room, Resource filed under Independent Business | Written by Stacy Mitchell | No Comments | Updated on Feb 6, 2013

Survey Finds Independent Businesses Benefit from “Buy Local First” Campaigns, But Challenges Loom

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/2013-independent-business-survey/

ILSR’s annual survey has found that independent businesses experienced solid revenue growth in 2012, buoyed in part by “buy local first” initiatives. But the survey also documented challenges facing independent businesses, most notably an increase in “showrooming” and competition from online retailers, tax and subsidy policies that favor their big competitors, difficulty obtaining loans, and a customer base still reeling from the recession. Continue reading

bankofamerica2
Featured Article filed under Banking, Independent Business | Written by Stacy Mitchell | 6 Comments | Updated on Oct 17, 2012

Too Big to Lend

The content that follows was originally published on the Institute for Local Self-Reliance website at http://www.ilsr.org/big-lend/

A critical function of our banking system is financing small businesses. But big banks are doing a rotten job of it. At the nation’s largest banks, small business lending has plunged 33% since 2009. Trying to cajole or compel them to do more won’t make much difference because the problem is largely inherent to their scale. Continue reading

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Resource filed under Banking, Independent Business | Written by Stacy Mitchell | 2 Comments | Updated on Oct 17, 2012

Small Business Lending: Local Banks vs. Big Banks

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

Although they control only 21% of U.S. bank assets, small and mid-sized banks provide 54% of small business loans. Continue reading