8  BIS Review 99/2010  may be wary of loans based on future prospects, particularly if the business has less-than-perfect credit, a recent history of uneven cash flow, or reduced collateral values.
7 Use of alternative funding sources – Meeting participants noted that small businesses that are denied, or perceive they will be denied, credit by banks have turned to alternative sources of financing, which often carry a higher cost.   Increased use of credit cards – At many meetings, small businesses described turning to credit cards in lieu of a bank loan.