Credit Crunch?

“Ninety-one percent of small business owners surveyed in August by the National Federation of Independent Business (NFIB) said all their credit needs were met. Only 4 percent cited a lack of financing as their top business problem. Plans for capital spending were at a 35-year low.” http://apnews.myway.com/article/20100925/D9IEME2G0.html

A common amateur mistake is to solve the wrong problem. The quote above from an NFIB survey would indicate that the problem is not that banks lack funds to lend, but that too few want to borrow.