Small-business experts are at odds over what Washington should do about banking practices in order to spur lending. NFIB maintains a hands-off approach is best because weak sales are keeping small shops from borrowing, not lack of access to credit. "Small businesses don't need more programs from Washington," said NFIB's Susan Eckerly. "They need lower taxes and fewer intrusions from government so they can take the calculated risks to expand their business."
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