?UnsecuredBizLoan owner Daniel Drew says it's time for small businesses with credit issues to consider alternate forms small business loans. He notes that President Obama's plan to offer small businesses helps. However, low interest loans backed by the government are harder to get from banks. With the recession, community banks who lend to small businesses may not be in any better situation than the businesses they serve. Both are intensely focused on profitability. Government programs can come with stringent administrative requirements. The money may be there and it may be a safe bet, but the administrative overhead is large. This has many small business owners looking for options. Banks say they have money to lend but small businesses claim they can't access credit. While there is money to lend, it's harder to find businesses that can quality for it. Drew says there are options for small businesses that used to have good credit, but because of the recession their options are limited. Sales are down for small businesses and their assets, like real estate are down too. This leaves businesses with little cash or collateral they need to get credit. "If a small business has good credit, SBA loans and other traditional loans remain an option. These businesses are weathering the recession just fine. They have access to credit. But for those who've seen hard times and now have derogatory marks on their record, they're not seeing a recovery. It's harder than ever for them to get a loan,?said Drew. "Through the stimulus package, President Obama has made it easier for small businesses to get an SBA loan. He did it by changing some of the federal requirements to get loans. The real problem right now isn't the lack of availability of SBA Loans. The problem is that most banks aren't lending at the lower rates. Basically, banks are being stingy with their money, even though it comes backed by the federal government.? Small businesses may need to consider other options such as non-traditional funding. "If you have a low credit score it's difficult to get a regular business loan. Still, there are other ways to get cash if you're willing to consider them. UnsecuredBizLoans is one source of alternative funding such as business cash advances and business lines of credit. We've seen these options make the difference between survival and going out of business.? When small-business owners can't gain access to credit, the economy suffers. Some small businesses have already shut down because they lack access to credit ?something all small businesses want to avoid. UnsecuredBizLoan.com offers Business Lines of Credit Online, Small Business Loans and SBA Loans. Soon the company will offer Business Cash Advance Loans. Based in Lehi, Utah our unsecured Small Business loans are available for businesses inside the United States.