Motherhood. Apple Pie. Homeownership. Small Businesses. While all are fundamental parts of American identity, one is not like the other. The federal government gathers and reports detailed data about the first three (yes, even the apple harvest). But there is no comprehensive data about small businesses’ access to fair and affordable credit—even though small businesses are keys to job creation and economic growth. Literally no one knows how much small business lending is happening, or what it costs those businesses, or how many businesses are being shut out of needed credit. Although the Federal Reserve undertakes a valuable annual survey of small business credit, this can’t provide t
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