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Solution for Chicken Lenders – a Simple, Viable Option

chickenNo, not someone that lends chickens silly.

The banks here in the USA that are chickenshirt to lend money, even when the deals are good.

The background:  The banks won’t lend money because they are scared of the future economy and they are being questioned by regulators on each and every loan.

Small business can’t afford to have a stock offering on Wall Street or they don’t want to give away the majority of their companies to VC funds.

Currently, there is a small business lending package that is a little cumbersome, but available through banks.

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It’s called SBA, the Small Business Administration where loans are guaranteed by the SBA (US government).economic_recovery_pic

The solution:  Make the SBA limits higher, let the SBA guarantee loans and change guidelines to make it easier.  Take a page from FHA.  Have an insurance fund per loan to pay off the bad debts.

This way, the losses are covered, the loans are made and economy can recover.

Written By

Realty Reality! That describes Fred, a sharp witted and outspoken realist for the mortgage and real estate world who has appeared on CNBC and NPR's Marketplace along with being quoted in the New York Times, The Wall Street Journal and other media outlets. Fred is the CEO of U S Spaces, Inc/Arrivva (a real estate brokerage firm in PA, NJ, DE and CA) and U S Loans Mortgage Inc (mortgage brokerage in PA, CA, FL and VA), and serves on the Board of Directors and is the Federal Legislative Director for the UpFront Mortgage Brokers. Fred is also the co-creator of real estate startup, a mathematically driven rental search engine. See everything Fred at


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