Looking for a loan? Your banker is probably anxious to give you one. Federal Reserve data show a net 4% of banks tightened their lending policies for small borrowers during the first quarter--a relatively low number. And if you look at the fine print on small commercial loans, the average terms actually got better. For instance, on loans of $100,000 to $1 million, bankers are letting adjustable loans run 191 days before changing the rate, vs. just 93 days a year earlier. You're also less likely to face a prepayment penalty.
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