The good news: Recently, government initiatives, such as the Small Business Jobs Act, have bolstered small businesses and freed up lending lines—and the proof is in the numbers. In Capital One Bank’s 2011 survey, 85% of U.S. small business owners said they were able to get the financing they needed.

But experts are still cautious.

“The level of risk aversion is still extraordinarily high,” says Barry Sloane, CEO and President of The Small Business Authority. The primary concern is one word: collateral.

Is now the time to get that loan you need to grow your business?

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