Identified credit gaps A combination of disruptions on the supply and demand sides of the small business credit market, as discussed above, has resulted in notable credit gaps.
  Lines of credit and working capital – Small businesses reported that existing lines of credit had been reduced, hampering their ability to offset lower cash flows that stem from slower sales or slower customer payments. As a result, small businesses reported that they had to scramble to meet intermediate financing needs and change their business models to adapt to less credit availability.