Schuyler Tilly, a banker in the Albany region for First Niagara Financial Group, offers insight into the loan-demand puzzle. Specifically, why businesses say they struggle to get a loan and bankers say demand is low. Both could be true. "The way that someone like me survives is by grabbing accounts from someone else," Tilly said. Bankers are luring creditworthy businesses away from their competitors, while riskier businesses struggle to gain access to credit.
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