–  At several meetings, participants noted that some small businesses are turning toward non-mainstream finance sources such as factoring companies and pay-day loans, which carry higher fees and interest rates, due to the lack of conventional credit sources.
–  In Detroit, credit union service organizations are working to provide scale for making small business loans by centralizing some aspects of the underwriting process. –  On the other hand, in New York, some credit unions indicated that outsourcing underwriting is not always an effective solution to capacity constraints, stating that they lose control over quality in outsourcing.