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Larger companies, still hunkered school loan down, are skittish, preferring to finance expansions with internal cash flows rather than take on more credit en masse, banks school loan may become fickle, turning their attention back to the more lucrative large loans. "On the other hand, "says Yago, "banks are learning firms, and I think they 've come wisconsin mortgage loans to learn that small business is a profitable and important market. "Veterans and their families value higher education so much that they are creditworthy and that their plans are realistic. For example, a loan to build housing that would hold many more students than the school can school loan enroll would almost certainly be turned down. Watson says Education Department officials don 't see school loan the need to change the law at this time, school loan though some institutions had complained about matters such as escrow requirements and monthly payments.

"Before we ask for legislative changes, I think we first need to evaluate school loan what is going on and do some studies on our own. "Congressional Democrats who requested the GAO study say they may want to take a closer look at the program next year. school loan

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"That is very much linked to the growth in lending, "she says.

Larrimer attributes her bank 's soaring increase to its smarter methods of attracting small-business customers. PNC has spent more on advertising and has developed new products that appeal to the small-business segment. After researching and determining that small-business owners prefer home equity loans to business loans, for example, the bank created a business-based loan for which entrepreneurs can use their homes as equity. The question is, Will the surge hold up for 2005? "The key factor is going to be the economy, "says Leggett. "That 's going to influence the willingness to lend or not to lend. "Another hiccup could lead to a slowdown and a tightening of underwriting standards. If it does, few argue over who will first feel the pinch. "If oil goes to 50 a barrel or there 's a global slowdown, banks will start to tighten down on their small-business customers first, "says Glenn Yago, director of capital studies at the Milken Institute, a Santa Monica, California-based think tank dedicated to creating jobs and finding capital for entrepreneurs, home loan mortgage lender both locally and globally.
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