http://www.mybudget360.com/small-bu...contraction-banks-stick-it-to-small-business/ And there is the scam of TARP I and II, instead of Banks(ters) freeing monies to make available to small business for operating costs and expansion, they simply purchase .Gov debt, which chokes the more dynamic portion of the Economy off from Credit, but does make bottom lines look far more profitible. Basically Credit has contracted throughout the Small Business Sector of the US Economy and until that changes unemployment will remain stuck at current levels, and possibly could grow worse as Consumers also have reduced their utilization of Credit.