Скачать или смотреть The Capital Paradox Crushing Small Businesses...

This is the capital paradox.

In 2025, small business revenues are up. Demand for equipment, inventory, and hiring is surging. By every traditional metric, banks should be lending aggressively.

But they’re not.

Small business loan approval rates have dropped below 15%.

So what’s actually happening?

It’s not that your business suddenly became risky. It’s that the banking system changed. Basel III—an unsexy regulatory framework most founders have never heard of—is forcing banks to hold more capital and reduce risk exposure. In simple terms: banks are being incentivized to hoard cash instead of deploy it.

That means you’re getting rejected not because your fundamentals are broken—but because theirs are.

This is the disconnect founders need to understand. The economy can be expanding while credit tightens. Demand can be strong while access to capital collapses. And if you don’t know the difference, you’ll internalize a systemic problem as a personal failure.

This isn’t a bad business environment.
It’s a constrained lending environment.

And founders who understand that shift stop waiting on broken systems—and start finding alternative paths to capital, growth, and leverage.