I recently read an article in the Wall Street Journal about how small business lending remains steady on a downward trend unseen since 1942. Top-tier banks may be on the mend, but banks geared to small business financing have seen a full-year decline in lending for small businesses and a record 702 banks are at risk of failure. Smart financing advisory means looking for solutions even while small business lending hits the bottom of the credit cycle. There are alternatives for small business financing that services like US Capital Partners can help your business secure.